COFS vs IBCP
COFS: ChoiceOne Financial Services is a Michigan-based regional community banking institution focused on organic growth, prudent credit management, and strategic acquisitions. IBCP: A Michigan-based regional bank holding company providing commercial, retail, and mortgage banking services with a focus on regional market growth.
Side-by-side fundamentals
| Metric | COFS | IBCP | Edge |
|---|---|---|---|
| Price as of 2026-10-08 close | $33.02 | $35.76 | |
| Market cap | $494M | $794M | |
| P/E as of 2026-10-08 | 9.08 | 10.38 | COFS lower |
| PEG as of 2026-10-08, 3-year EPS CAGR to FY2025 | n/a | 3.19 | |
| Net margin FY2025, SEC XBRL | +12.4% | +213.7% | IBCP higher |
| ROE FY2025, SEC XBRL | +6.1% | +13.6% | IBCP higher |
| ROA FY2025, SEC XBRL | +0.6% | +1.2% | IBCP higher |
| Debt / equity as of 2026-09-03 | 0.10 | 0.08 | IBCP lower |
| Revenue growth (YoY) as of 2026-09-03 | +28.6% | +46.1% | IBCP higher |
| Revenue CAGR (3y) SEC XBRL | +36.7% | +0.5% | COFS higher |
| Dividend yield as of 2026-09-03 | +3.5% | +3.1% | COFS higher |
| Dividend streak (yrs) SEC XBRL | 6 | 12 | IBCP higher |
| Beta as of 2026-09-03 | 0.68 | 0.72 | |
| 1-year return as of 2026-10-08 close | +17.5% | +14.8% | COFS higher |
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.