COFS vs CZNC: stock comparison and AI forecast
Choiceone Financial Services Inc (COFS) and Citizens & Northern Corp (CZNC) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
COFS Choiceone Financial Services Inc
- Market Cap
- $530M
- P/E Ratio
- 18.3x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
CZNC Citizens & Northern Corp
- Market Cap
- $503M
- P/E Ratio
- 34.2x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- COFS and CZNC have similar market capitalizations ($530M and $503M).
- COFS trades at 18.3 times trailing earnings, CZNC at 34.2 times.
- COFS carries 8.23 times debt per unit of equity, against 8.11 times for CZNC.
- CZNC yields 3.50% in dividends and COFS 3.25%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | COFS | CZNC |
|---|---|---|
| Market Cap | $530M | $503M |
| P/E Ratio | 18.27x | 34.19x |
| P/B Ratio | 1.10x | 1.45x |
| Dividend Yield | 3.25% | 3.50% |
| EPS | $1.94 | $0.82 |
| Book Value/Share | $32.27 | $19.30 |
| Revenue/Share | $16.07 | $5.81 |
| FCF/Share | $3.41 | $2.50 |
Profitability & Margins
| Metric | COFS | CZNC |
|---|---|---|
| EBT Margin | 27.8% | 29.6% |
| Tax Rate | 18.1% | 18.7% |
Financial Health
| Metric | COFS | CZNC |
|---|---|---|
| D/E Ratio | 8.23x | 8.11x |
| Financial Leverage | 9.23x | 9.11x |
Cash Flow
| Metric | COFS | CZNC |
|---|---|---|
| Operating Cash Flow | $59M | $46M |
| Free Cash Flow | $51M | $45M |
| Capital Spending | -$8M | -$1M |
| OCF Growth YoY | 194.3% | 59.8% |
| FCF Growth YoY | 213.9% | 64.3% |
| FCF/Sales | 21.2% | 43.0% |
| CapEx/Sales | 3.4% | 1.2% |
Operational Efficiency
| Metric | COFS | CZNC |
|---|---|---|
| Asset Turnover | 0.05x | 0.03x |
| Fixed Assets Turnover | 4.8x | 3.9x |
Income Statement
| Metric | COFS | CZNC |
|---|---|---|
| Total Revenue | $240M | $104M |
Dividend & Shareholder Information
| Metric | COFS | CZNC |
|---|---|---|
| Dividends Per Share | $1.15 | $0.98 |
| Payout Ratio | 59.3% | 119.5% |
| Shares Outstanding | 15M | 18M |
| EPS Growth | -40.9% | -53.1% |
COFS vs CZNC: stock comparison and AI forecast
Which is bigger, COFS or CZNC?
COFS and CZNC have similar market capitalizations ($530M and $503M).
Which is cheaper on earnings, COFS or CZNC?
COFS trades at 18.3 times trailing earnings, CZNC at 34.2 times.
Which one does Intratio's AI model rank higher, COFS or CZNC?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.