ChoiceOne Financial Services (COFS) vs Northpointe Bancshares (NPB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
ChoiceOne Financial Services (COFS) has outperformed Northpointe Bancshares (NPB) over the past year, gaining 16.1% versus a loss of 11.1%. Northpointe Bancshares is the larger company by market cap ($534.6 million vs $493.3 million), about 1.1 times the size. On valuation, Northpointe Bancshares trades at a lower forward P/E (5.6x vs 8.9x for ChoiceOne Financial Services).
ChoiceOne Financial Services offers the higher dividend yield (3.49% vs 0.65%).
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 | NPB |
|---|---|---|
| Share price | $32.99 | $15.46 |
| Market cap | $493.31M | $534.64M |
| 1-day change | -0.32% | -0.64% |
| YTD return | +12.09% | -7.27% |
| 1-year return | +16.15% | -11.14% |
| 5-year return | +32.84% | — |
| P/E ratio (TTM) | 8.99 | 6.66 |
| Forward P/E | 8.86 | 5.64 |
| EPS (TTM) | $3.67 | $2.32 |
| Dividend yield | 3.49% | 0.65% |
| Annual dividend | $1.15 | $0.10 |
| 52-week high | $35.40 | $19.71 |
| 52-week low | $26.10 | $14.21 |
| Distance from 52-week high | -6.82% | -21.56% |
| Analyst consensus | buy | none |
| Avg. price target upside | +12.17% | +31.82% |
| Average volume | 80.08K | 220.27K |
| Shares outstanding | 14.96M | 34.58M |
| Employees | 577 | 483 |
| 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
- COFS has outperformed NPB by 27.3 percentage points over the past year.
- ChoiceOne Financial Services trades at a higher earnings multiple (9.0x vs 6.7x trailing P/E).
- ChoiceOne Financial Services offers a meaningfully higher dividend yield (3.49% vs 0.65%).
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 Northpointe Bancshares
NPB stock →Northpointe Bancshares, Inc. operates as the bank holding company for Northpointe Bank provides various banking products and services in the United States.
Finance · Major Banks · 483 employees
COFS vs NPB FAQ
Which is bigger, ChoiceOne Financial Services or Northpointe Bancshares?
Northpointe Bancshares (NPB) is larger, with a market capitalization of $534.64M compared with $493.31M for ChoiceOne Financial Services (COFS).
Which stock has performed better over the past year, COFS or NPB?
COFS returned +16.15% over the past 12 months, compared with -11.14% for NPB (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, COFS or NPB?
NPB has the lower trailing P/E at 6.7, versus 9.0 for COFS. 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 Northpointe Bancshares?
ChoiceOne Financial Services has the higher yield at 3.49%, compared with 0.65% for Northpointe Bancshares.
Are ChoiceOne Financial Services and Northpointe Bancshares in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.