ChoiceOne Financial Services (COFS) vs Orange County Bancorp (OBT)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Orange County Bancorp (OBT) has outperformed ChoiceOne Financial Services (COFS) over the past year, gaining 51.3% versus a gain of 16.1%. Over five years, OBT leads with a +112.1% price change compared with +32.8% for COFS. Orange County Bancorp is the larger company by market cap ($497.2 million vs $494.9 million), about 1.0 times the size.
On valuation, ChoiceOne Financial Services trades at a lower forward P/E (8.9x vs 9.9x for Orange County Bancorp). ChoiceOne Financial Services offers the higher dividend yield (3.48% vs 1.81%).
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 | OBT |
|---|---|---|
| Share price | $33.09 | $37.08 |
| Market cap | $494.88M | $497.17M |
| 1-day change | +0.21% | -1.12% |
| YTD return | +12.09% | +29.88% |
| 1-year return | +16.15% | +51.35% |
| 5-year return | +32.84% | +112.13% |
| P/E ratio (TTM) | 9.02 | 10.42 |
| Forward P/E | 8.89 | 9.89 |
| EPS (TTM) | $3.67 | $3.56 |
| Dividend yield | 3.48% | 1.81% |
| Annual dividend | $1.15 | $0.67 |
| 52-week high | $35.40 | $40.10 |
| 52-week low | $26.10 | $23.25 |
| Distance from 52-week high | -6.53% | -7.53% |
| Analyst consensus | buy | none |
| Avg. price target upside | +11.82% | +16.86% |
| Average volume | 80.09K | 55.05K |
| Shares outstanding | 14.96M | 13.41M |
| Employees | 577 | 235 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- OBT has outperformed COFS by 35.2 percentage points over the past year.
- ChoiceOne Financial Services offers a meaningfully higher dividend yield (3.48% vs 1.81%).
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.
Financial Services · Banks - Regional · 577 employees
About Orange County Bancorp
OBT stock →Orange County Bancorp, Inc., a bank holding company, through its subsidiaries, provides commercial and consumer banking products and services. The company operates in Business Banking, Private Banking, and Trust & Wealth Management segments.
Financial Services · Banks - Regional · 235 employees
COFS vs OBT FAQ
Which is bigger, ChoiceOne Financial Services or Orange County Bancorp?
Orange County Bancorp (OBT) is larger, with a market capitalization of $497.17M compared with $494.88M for ChoiceOne Financial Services (COFS).
Which stock has performed better over the past year, COFS or OBT?
OBT returned +51.35% over the past 12 months, compared with +16.15% for COFS (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, COFS or OBT?
COFS has the lower trailing P/E at 9.0, versus 10.4 for OBT. 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 Orange County Bancorp?
ChoiceOne Financial Services has the higher yield at 3.48%, compared with 1.81% for Orange County Bancorp.
Are ChoiceOne Financial Services and Orange County Bancorp in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.