ChoiceOne Financial Services (COFS) vs Citizens & Northern (CZNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Citizens & Northern (CZNC) has outperformed ChoiceOne Financial Services (COFS) over the past year, gaining 29.4% versus a gain of 17.5%. Over five years, COFS leads with a +32.6% price change compared with -3.4% for CZNC. ChoiceOne Financial Services is the larger company by market cap ($486.1 million vs $448.5 million), about 1.1 times the size.
On valuation, ChoiceOne Financial Services trades at a lower forward P/E (8.7x vs 9.1x for Citizens & Northern). Citizens & Northern offers the higher dividend yield (4.48% vs 3.54%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | COFS | CZNC |
|---|---|---|
| Share price | $32.51 | $25.01 |
| Market cap | $486.13M | $448.46M |
| 1-day change | -1.56% | -1.05% |
| YTD return | +11.86% | +25.29% |
| 1-year return | +17.47% | +29.39% |
| 5-year return | +32.56% | -3.40% |
| P/E ratio (TTM) | 8.86 | 17.01 |
| Forward P/E | 8.73 | 9.09 |
| EPS (TTM) | $3.67 | $1.47 |
| Dividend yield | 3.54% | 4.48% |
| Annual dividend | $1.15 | $1.12 |
| 52-week high | $35.40 | $26.37 |
| 52-week low | $26.10 | $18.87 |
| Distance from 52-week high | -8.18% | -5.18% |
| Analyst consensus | buy | none |
| Avg. price target upside | +13.83% | +7.98% |
| Average volume | 80.17K | 63.12K |
| Shares outstanding | 14.96M | 17.93M |
| Employees | 577 | 460 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CZNC has outperformed COFS by 11.9 percentage points over the past year.
- Citizens & Northern trades at a higher earnings multiple (17.0x vs 8.9x trailing P/E).
About ChoiceOne Financial Services
COFS stock →ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan.
Finance · Major Banks · 577 employees
About Citizens & Northern
CZNC stock →Citizens & Northern Corporation operates as the bank holding company for Citizens & Northern Bank that provides various banking and related services to individual and corporate customers. The company's deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, and individual retirement accounts, as well as certificates of deposit; debit cards; lending products, such as commercial, mortgage, and consumer loans; and commercial letters-of-credit and lines of credit.
Finance · Major Banks · 460 employees
COFS vs CZNC FAQ
Which is bigger, ChoiceOne Financial Services or Citizens & Northern?
ChoiceOne Financial Services (COFS) is larger, with a market capitalization of $486.13M compared with $448.46M for Citizens & Northern (CZNC).
Which stock has performed better over the past year, COFS or CZNC?
CZNC returned +29.39% over the past 12 months, compared with +17.47% for COFS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, COFS or CZNC?
COFS has the lower trailing P/E at 8.9, versus 17.0 for CZNC. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, ChoiceOne Financial Services or Citizens & Northern?
Citizens & Northern has the higher yield at 4.48%, compared with 3.54% for ChoiceOne Financial Services.
Are ChoiceOne Financial Services and Citizens & Northern in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.