ChoiceOne Financial Services (COFS) vs Ponce Financial Group (PDLB)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Ponce Financial Group (PDLB) has outperformed ChoiceOne Financial Services (COFS) over the past year, gaining 37.7% versus a gain of 16.1%. Over five years, PDLB leads with a +92.1% price change compared with +32.8% for COFS. ChoiceOne Financial Services is the larger company by market cap ($494.9 million vs $485.7 million), about 1.0 times the size.
On valuation, ChoiceOne Financial Services trades at a lower forward P/E (8.9x vs 11.3x for Ponce Financial Group). ChoiceOne Financial Services pays a dividend yielding 3.48%, while Ponce Financial Group does not currently pay one.
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 | PDLB |
|---|---|---|
| Share price | $33.09 | $20.08 |
| Market cap | $494.88M | $485.69M |
| 1-day change | +0.21% | -1.28% |
| YTD return | +12.09% | +22.81% |
| 1-year return | +16.15% | +37.72% |
| 5-year return | +32.84% | +92.12% |
| P/E ratio (TTM) | 8.99 | 14.45 |
| Forward P/E | 8.89 | 11.34 |
| EPS (TTM) | $3.68 | $1.39 |
| Dividend yield | 3.48% | 0.00% |
| Annual dividend | $1.15 | $0.00 |
| 52-week high | $35.40 | $21.10 |
| 52-week low | $26.10 | $13.91 |
| Distance from 52-week high | -6.53% | -4.83% |
| Analyst consensus | buy | none |
| Avg. price target upside | +11.82% | +19.52% |
| Average volume | 80.09K | 75.24K |
| Shares outstanding | 14.96M | 24.19M |
| Employees | 577 | 229 |
| 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
- PDLB has outperformed COFS by 21.6 percentage points over the past year.
- Ponce Financial Group trades at a higher earnings multiple (14.4x vs 9.0x trailing P/E).
- ChoiceOne Financial Services offers a meaningfully higher dividend yield (3.48% vs 0.00%).
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 Ponce Financial Group
PDLB stock →Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services.
Financial Services · Banks - Regional · 229 employees
COFS vs PDLB FAQ
Which is bigger, ChoiceOne Financial Services or Ponce Financial Group?
ChoiceOne Financial Services (COFS) is larger, with a market capitalization of $494.88M compared with $485.69M for Ponce Financial Group (PDLB).
Which stock has performed better over the past year, COFS or PDLB?
PDLB returned +37.72% 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 PDLB?
COFS has the lower trailing P/E at 9.0, versus 14.4 for PDLB. 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 Ponce Financial Group?
ChoiceOne Financial Services pays a dividend yielding 3.48%, while Ponce Financial Group does not currently pay a regular dividend.
Are ChoiceOne Financial Services and Ponce Financial Group in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.