ChoiceOne Financial Services (COFS) vs Unity Bancorp (UNTY)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
ChoiceOne Financial Services (COFS) has outperformed Unity Bancorp (UNTY) over the past year, gaining 16.2% versus a gain of 8.2%. Over five years, UNTY leads with a +115.1% price change compared with +30.4% for COFS. Unity Bancorp is the larger company by market cap ($545.6 million vs $485.8 million), about 1.1 times the size.
On valuation, Unity Bancorp trades at a lower forward P/E (8.6x vs 8.7x for ChoiceOne Financial Services). ChoiceOne Financial Services offers the higher dividend yield (3.54% vs 1.14%).
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 | UNTY |
|---|---|---|
| Share price | $32.48 | $54.33 |
| Market cap | $485.76M | $545.61M |
| 1-day change | -1.64% | -1.67% |
| YTD return | +10.03% | +5.05% |
| 1-year return | +16.21% | +8.18% |
| 5-year return | +30.39% | +115.08% |
| P/E ratio (TTM) | 8.85 | 9.62 |
| Forward P/E | 8.72 | 8.59 |
| EPS (TTM) | $3.67 | $5.65 |
| Dividend yield | 3.54% | 1.14% |
| Annual dividend | $1.15 | $0.62 |
| 52-week high | $35.40 | $62.50 |
| 52-week low | $26.10 | $44.34 |
| Distance from 52-week high | -8.25% | -13.07% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +13.92% | +26.17% |
| Average volume | 80.09K | 59.50K |
| Shares outstanding | 14.96M | 10.04M |
| Employees | 577 | 249 |
| 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
- ChoiceOne Financial Services offers a meaningfully higher dividend yield (3.54% vs 1.14%).
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 Unity Bancorp
UNTY stock →Unity Bancorp, Inc. operates as the bank holding company for Unity Bank that provides commercial and retail banking services.
Finance · Major Banks · 249 employees
COFS vs UNTY FAQ
Which is bigger, ChoiceOne Financial Services or Unity Bancorp?
Unity Bancorp (UNTY) is larger, with a market capitalization of $545.61M compared with $485.76M for ChoiceOne Financial Services (COFS).
Which stock has performed better over the past year, COFS or UNTY?
COFS returned +16.21% over the past 12 months, compared with +8.18% for UNTY (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, COFS or UNTY?
COFS has the lower trailing P/E at 8.9, versus 9.6 for UNTY. 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 Unity Bancorp?
ChoiceOne Financial Services has the higher yield at 3.54%, compared with 1.14% for Unity Bancorp.
Are ChoiceOne Financial Services and Unity Bancorp in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.