BY
Price
$27.30
Change
-$0.20 (-0.73%)
Updated
Nov 13 closing price
Capitalization
1.25B
69 days until earnings call
Intraday BUY SELL Signals
COFS
Price
$29.78
Change
+$0.34 (+1.15%)
Updated
Nov 13 closing price
Capitalization
447.41M
75 days until earnings call
Intraday BUY SELL Signals
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BY vs COFS

Header iconBY vs COFS Comparison
Open Charts BY vs COFSBanner chart's image
Byline Ban
Price$27.30
Change-$0.20 (-0.73%)
Volume$173.8K
Capitalization1.25B
ChoiceOne Financial Services
Price$29.78
Change+$0.34 (+1.15%)
Volume$381.78K
Capitalization447.41M
BY vs COFS Comparison Chart in %
BY
Daily Signal:
Gain/Loss:
COFS
Daily Signal:
Gain/Loss:
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VS
BY vs. COFS commentary
Nov 14, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BY is a StrongBuy and COFS is a StrongBuy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (BY: $27.30 vs. COFS: $29.78)
Brand notoriety: BY and COFS are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BY: 82% vs. COFS: 354%
Market capitalization -- BY: $1.25B vs. COFS: $447.41M
BY [@Regional Banks] is valued at $1.25B. COFS’s [@Regional Banks] market capitalization is $447.41M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.25B to $0. The average market capitalization across the [@Regional Banks] industry is $8.19B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

BY’s FA Score shows that 1 FA rating(s) are green whileCOFS’s FA Score has 1 green FA rating(s).

  • BY’s FA Score: 1 green, 4 red.
  • COFS’s FA Score: 1 green, 4 red.
According to our system of comparison, BY is a better buy in the long-term than COFS.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

BY’s TA Score shows that 5 TA indicator(s) are bullish while COFS’s TA Score has 6 bullish TA indicator(s).

  • BY’s TA Score: 5 bullish, 4 bearish.
  • COFS’s TA Score: 6 bullish, 3 bearish.
According to our system of comparison, COFS is a better buy in the short-term than BY.

Price Growth

BY (@Regional Banks) experienced а +0.89% price change this week, while COFS (@Regional Banks) price change was +1.26% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +1.09%. For the same industry, the average monthly price growth was +1.61%, and the average quarterly price growth was +11.37%.

Reported Earning Dates

BY is expected to report earnings on Jan 22, 2026.

COFS is expected to report earnings on Jan 28, 2026.

Industries' Descriptions

@Regional Banks (+1.09% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
BY($1.25B) has a higher market cap than COFS($447M). COFS has higher P/E ratio than BY: COFS (16.18) vs BY (9.75). BY YTD gains are higher at: -4.446 vs. COFS (-14.011). COFS has more cash in the bank: 155M vs. BY (75.1M). COFS has less debt than BY: COFS (247M) vs BY (525M). BY has higher revenues than COFS: BY (416M) vs COFS (124M).
BYCOFSBY / COFS
Capitalization1.25B447M280%
EBITDAN/AN/A-
Gain YTD-4.446-14.01132%
P/E Ratio9.7516.1860%
Revenue416M124M335%
Total Cash75.1M155M48%
Total Debt525M247M213%
FUNDAMENTALS RATINGS
BY vs COFS: Fundamental Ratings
BY
COFS
OUTLOOK RATING
1..100
1276
VALUATION
overvalued / fair valued / undervalued
1..100
42
Fair valued
56
Fair valued
PROFIT vs RISK RATING
1..100
3566
SMR RATING
1..100
1952
PRICE GROWTH RATING
1..100
5756
P/E GROWTH RATING
1..100
6113
SEASONALITY SCORE
1..100
5085

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

BY's Valuation (42) in the Regional Banks industry is in the same range as COFS (56) in the null industry. This means that BY’s stock grew similarly to COFS’s over the last 12 months.

BY's Profit vs Risk Rating (35) in the Regional Banks industry is in the same range as COFS (66) in the null industry. This means that BY’s stock grew similarly to COFS’s over the last 12 months.

BY's SMR Rating (19) in the Regional Banks industry is somewhat better than the same rating for COFS (52) in the null industry. This means that BY’s stock grew somewhat faster than COFS’s over the last 12 months.

COFS's Price Growth Rating (56) in the null industry is in the same range as BY (57) in the Regional Banks industry. This means that COFS’s stock grew similarly to BY’s over the last 12 months.

COFS's P/E Growth Rating (13) in the null industry is somewhat better than the same rating for BY (61) in the Regional Banks industry. This means that COFS’s stock grew somewhat faster than BY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
BYCOFS
RSI
ODDS (%)
Bullish Trend 3 days ago
59%
Bullish Trend 1 day ago
56%
Stochastic
ODDS (%)
Bearish Trend 1 day ago
62%
Bearish Trend 1 day ago
69%
Momentum
ODDS (%)
Bullish Trend 1 day ago
67%
Bullish Trend 1 day ago
60%
MACD
ODDS (%)
Bullish Trend 1 day ago
68%
Bullish Trend 1 day ago
70%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
60%
Bullish Trend 1 day ago
63%
TrendMonth
ODDS (%)
Bearish Trend 1 day ago
57%
Bullish Trend 1 day ago
62%
Advances
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 1 day ago
66%
Declines
ODDS (%)
Bearish Trend 30 days ago
59%
Bearish Trend 4 days ago
56%
BollingerBands
ODDS (%)
Bullish Trend 1 day ago
62%
Bearish Trend 1 day ago
55%
Aroon
ODDS (%)
Bearish Trend 1 day ago
51%
N/A
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BY
Daily Signal:
Gain/Loss:
COFS
Daily Signal:
Gain/Loss:
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BY and

Correlation & Price change

A.I.dvisor indicates that over the last year, BY has been closely correlated with FBK. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if BY jumps, then FBK could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BY
1D Price
Change %
BY100%
-0.73%
FBK - BY
88%
Closely correlated
-1.03%
EFSC - BY
88%
Closely correlated
-0.13%
WSFS - BY
88%
Closely correlated
-0.62%
HOPE - BY
88%
Closely correlated
-0.86%
OSBC - BY
87%
Closely correlated
-0.22%
More

COFS and

Correlation & Price change

A.I.dvisor indicates that over the last year, COFS has been closely correlated with FISI. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if COFS jumps, then FISI could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To COFS
1D Price
Change %
COFS100%
+1.15%
FISI - COFS
80%
Closely correlated
-0.44%
FHB - COFS
79%
Closely correlated
-0.89%
BY - COFS
79%
Closely correlated
-0.73%
OSBC - COFS
79%
Closely correlated
-0.22%
UBSI - COFS
78%
Closely correlated
-0.49%
More