ChoiceOne Financial Services (NASDAQ:COFS – Get Free Report) and LINKBANCORP (NASDAQ:LNKB – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.
Valuation and Earnings
This table compares ChoiceOne Financial Services and LINKBANCORP’s revenue, earnings per share (EPS) and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
ChoiceOne Financial Services | $113.89 million | 1.51 | $21.26 million | $2.82 | 8.05 |
LINKBANCORP | $39.80 million | 5.89 | -$11.97 million | ($0.51) | -12.31 |
ChoiceOne Financial Services has higher revenue and earnings than LINKBANCORP. LINKBANCORP is trading at a lower price-to-earnings ratio than ChoiceOne Financial Services, indicating that it is currently the more affordable of the two stocks.
Dividends
Analyst Ratings
This is a summary of current ratings and recommmendations for ChoiceOne Financial Services and LINKBANCORP, as provided by MarketBeat.com.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
ChoiceOne Financial Services | 0 | 1 | 0 | 0 | 2.00 |
LINKBANCORP | 0 | 1 | 0 | 0 | 2.00 |
ChoiceOne Financial Services presently has a consensus price target of $24.00, suggesting a potential upside of 5.73%. LINKBANCORP has a consensus price target of $7.00, suggesting a potential upside of 11.46%. Given LINKBANCORP’s higher probable upside, analysts clearly believe LINKBANCORP is more favorable than ChoiceOne Financial Services.
Risk and Volatility
ChoiceOne Financial Services has a beta of 0.65, indicating that its stock price is 35% less volatile than the S&P 500. Comparatively, LINKBANCORP has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500.
Profitability
This table compares ChoiceOne Financial Services and LINKBANCORP’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
ChoiceOne Financial Services | 18.67% | 11.73% | 0.85% |
LINKBANCORP | -18.34% | 3.59% | 0.38% |
Institutional & Insider Ownership
19.9% of ChoiceOne Financial Services shares are owned by institutional investors. Comparatively, 37.5% of LINKBANCORP shares are owned by institutional investors. 8.3% of ChoiceOne Financial Services shares are owned by insiders. Comparatively, 26.2% of LINKBANCORP shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Summary
ChoiceOne Financial Services beats LINKBANCORP on 9 of the 15 factors compared between the two stocks.
About ChoiceOne Financial Services
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers alternative investment products, which include annuities and mutual funds; and sells insurance policies, such as life and health for commercial and consumer clients. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
About LINKBANCORP
LINKBANCORP, Inc. operates as a bank holding company for The Gratz Bank, that provides various banking products and services to individuals, families, nonprofit, and business customers in Pennsylvania. Its deposit products include demand, saving, and money market accounts, as well as certificates of deposits. The company also offers commercial real estate, commercial business, commercial real estate construction, land development, residential real estate, home equity, consumer, agricultural, and municipal loans. It also provides online banking, mobile banking, direct and remote deposit, and cash management services. The company was incorporated in 2018 and is headquartered in Camp Hill, Pennsylvania.
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