COFS
Price
$30.35
Change
-$0.14 (-0.46%)
Updated
Dec 26, 01:53 PM (EDT)
Capitalization
458M
33 days until earnings call
Intraday BUY SELL Signals
HBNC
Price
$17.60
Change
-$0.07 (-0.40%)
Updated
Dec 24 closing price
Capitalization
901.43M
33 days until earnings call
Intraday BUY SELL Signals
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COFS vs HBNC

Header iconCOFS vs HBNC Comparison
Open Charts COFS vs HBNCBanner chart's image
ChoiceOne Financial Services
Price$30.35
Change-$0.14 (-0.46%)
Volume$210
Capitalization458M
Horizon Ban
Price$17.60
Change-$0.07 (-0.40%)
Volume$224.47K
Capitalization901.43M
COFS vs HBNC Comparison Chart in %
COFS
Daily Signal:
Gain/Loss:
HBNC
Daily Signal:
Gain/Loss:
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COFS vs. HBNC commentary
Dec 26, 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 COFS is a Buy and HBNC is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (COFS: $30.49 vs. HBNC: $17.60)
Brand notoriety: COFS and HBNC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: COFS: 32% vs. HBNC: 61%
Market capitalization -- COFS: $458M vs. HBNC: $901.43M
COFS [@Regional Banks] is valued at $458M. HBNC’s [@Regional Banks] market capitalization is $901.43M. The market cap for tickers in the [@Regional Banks] industry ranges from $171.46B to $0. The average market capitalization across the [@Regional Banks] industry is $8.65B.

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).

COFS’s FA Score shows that 1 FA rating(s) are green whileHBNC’s FA Score has 0 green FA rating(s).

  • COFS’s FA Score: 1 green, 4 red.
  • HBNC’s FA Score: 0 green, 5 red.
According to our system of comparison, COFS is a better buy in the long-term than HBNC.

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.

COFS’s TA Score shows that 6 TA indicator(s) are bullish while HBNC’s TA Score has 3 bullish TA indicator(s).

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

Price Growth

COFS (@Regional Banks) experienced а -4.29% price change this week, while HBNC (@Regional Banks) price change was -2.92% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +0.01%. For the same industry, the average monthly price growth was +5.44%, and the average quarterly price growth was +15.56%.

Reported Earning Dates

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

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

Industries' Descriptions

@Regional Banks (+0.01% 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
HBNC($901M) has a higher market cap than COFS($458M). COFS has higher P/E ratio than HBNC: COFS (16.57) vs HBNC (13.73). HBNC YTD gains are higher at: 13.904 vs. COFS (-11.975). COFS has more cash in the bank: 155M vs. HBNC (102M). COFS has less debt than HBNC: COFS (246M) vs HBNC (459M). COFS has higher revenues than HBNC: COFS (143M) vs HBNC (-82.17M).
COFSHBNCCOFS / HBNC
Capitalization458M901M51%
EBITDAN/AN/A-
Gain YTD-11.97513.904-86%
P/E Ratio16.5713.73121%
Revenue143M-82.17M-174%
Total Cash155M102M152%
Total Debt246M459M54%
FUNDAMENTALS RATINGS
COFS vs HBNC: Fundamental Ratings
COFS
HBNC
OUTLOOK RATING
1..100
2565
VALUATION
overvalued / fair valued / undervalued
1..100
61
Fair valued
52
Fair valued
PROFIT vs RISK RATING
1..100
6771
SMR RATING
1..100
4791
PRICE GROWTH RATING
1..100
5547
P/E GROWTH RATING
1..100
1598
SEASONALITY SCORE
1..100
5050

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.

HBNC's Valuation (52) in the Regional Banks industry is in the same range as COFS (61) in the null industry. This means that HBNC’s stock grew similarly to COFS’s over the last 12 months.

COFS's Profit vs Risk Rating (67) in the null industry is in the same range as HBNC (71) in the Regional Banks industry. This means that COFS’s stock grew similarly to HBNC’s over the last 12 months.

COFS's SMR Rating (47) in the null industry is somewhat better than the same rating for HBNC (91) in the Regional Banks industry. This means that COFS’s stock grew somewhat faster than HBNC’s over the last 12 months.

HBNC's Price Growth Rating (47) in the Regional Banks industry is in the same range as COFS (55) in the null industry. This means that HBNC’s stock grew similarly to COFS’s over the last 12 months.

COFS's P/E Growth Rating (15) in the null industry is significantly better than the same rating for HBNC (98) in the Regional Banks industry. This means that COFS’s stock grew significantly faster than HBNC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
COFSHBNC
RSI
ODDS (%)
Bearish Trend 3 days ago
53%
Bearish Trend 3 days ago
75%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
71%
Bearish Trend 3 days ago
59%
Momentum
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
70%
MACD
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
67%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 3 days ago
66%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
64%
Bullish Trend 3 days ago
60%
Advances
ODDS (%)
Bullish Trend 16 days ago
66%
Bullish Trend 16 days ago
62%
Declines
ODDS (%)
Bearish Trend 3 days ago
55%
Bearish Trend 3 days ago
68%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
69%
Bearish Trend 3 days ago
67%
Aroon
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
53%
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COFS
Daily Signal:
Gain/Loss:
HBNC
Daily Signal:
Gain/Loss:
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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 83% 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%
-0.51%
FISI - COFS
83%
Closely correlated
+0.16%
BY - COFS
79%
Closely correlated
+0.20%
HBNC - COFS
79%
Closely correlated
-0.40%
OSBC - COFS
78%
Closely correlated
-0.25%
FRME - COFS
78%
Closely correlated
-0.31%
More

HBNC and

Correlation & Price change

A.I.dvisor indicates that over the last year, HBNC has been closely correlated with FMBH. These tickers have moved in lockstep 87% of the time. This A.I.-generated data suggests there is a high statistical probability that if HBNC jumps, then FMBH could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To HBNC
1D Price
Change %
HBNC100%
-0.40%
FMBH - HBNC
87%
Closely correlated
-0.72%
PEBO - HBNC
86%
Closely correlated
-0.26%
MBWM - HBNC
85%
Closely correlated
-0.24%
BY - HBNC
85%
Closely correlated
+0.20%
UVSP - HBNC
85%
Closely correlated
+0.09%
More