COFS
Price
$30.48
Change
-$0.15 (-0.49%)
Updated
Dec 24 closing price
Capitalization
458M
33 days until earnings call
Intraday BUY SELL Signals
OSBC
Price
$20.13
Change
-$0.05 (-0.25%)
Updated
Dec 24 closing price
Capitalization
1.06B
33 days until earnings call
Intraday BUY SELL Signals
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COFS vs OSBC

Header iconCOFS vs OSBC Comparison
Open Charts COFS vs OSBCBanner chart's image
ChoiceOne Financial Services
Price$30.48
Change-$0.15 (-0.49%)
Volume$49.95K
Capitalization458M
Old Second Ban
Price$20.13
Change-$0.05 (-0.25%)
Volume$80.26K
Capitalization1.06B
COFS vs OSBC Comparison Chart in %
COFS
Daily Signal:
Gain/Loss:
OSBC
Daily Signal:
Gain/Loss:
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VS
COFS vs. OSBC 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 OSBC is a StrongBuy.

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COMPARISON
Comparison
Dec 26, 2025
Stock price -- (COFS: $30.49 vs. OSBC: $20.13)
Brand notoriety: COFS and OSBC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: COFS: 32% vs. OSBC: 24%
Market capitalization -- COFS: $458M vs. OSBC: $1.06B
COFS [@Regional Banks] is valued at $458M. OSBC’s [@Regional Banks] market capitalization is $1.06B. 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 whileOSBC’s FA Score has 3 green FA rating(s).

  • COFS’s FA Score: 1 green, 4 red.
  • OSBC’s FA Score: 3 green, 2 red.
According to our system of comparison, OSBC 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.

COFS’s TA Score shows that 6 TA indicator(s) are bullish while OSBC’s TA Score has 2 bullish TA indicator(s).

  • COFS’s TA Score: 6 bullish, 4 bearish.
  • OSBC’s TA Score: 2 bullish, 6 bearish.
According to our system of comparison, COFS is a better buy in the short-term than OSBC.

Price Growth

COFS (@Regional Banks) experienced а -4.29% price change this week, while OSBC (@Regional Banks) price change was -2.52% 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.

OSBC 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
OSBC($1.06B) has a higher market cap than COFS($458M). COFS has higher P/E ratio than OSBC: COFS (16.57) vs OSBC (13.60). OSBC YTD gains are higher at: 14.846 vs. COFS (-11.975). COFS has more cash in the bank: 155M vs. OSBC (63.5M). COFS has less debt than OSBC: COFS (246M) vs OSBC (265M). OSBC has higher revenues than COFS: OSBC (311M) vs COFS (143M).
COFSOSBCCOFS / OSBC
Capitalization458M1.06B43%
EBITDAN/AN/A-
Gain YTD-11.97514.846-81%
P/E Ratio16.5713.60122%
Revenue143M311M46%
Total Cash155M63.5M244%
Total Debt246M265M93%
FUNDAMENTALS RATINGS
COFS vs OSBC: Fundamental Ratings
COFS
OSBC
OUTLOOK RATING
1..100
2589
VALUATION
overvalued / fair valued / undervalued
1..100
61
Fair valued
61
Fair valued
PROFIT vs RISK RATING
1..100
6727
SMR RATING
1..100
4723
PRICE GROWTH RATING
1..100
5545
P/E GROWTH RATING
1..100
1516
SEASONALITY SCORE
1..100
50n/a

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.

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

OSBC's Profit vs Risk Rating (27) in the Regional Banks industry is somewhat better than the same rating for COFS (67) in the null industry. This means that OSBC’s stock grew somewhat faster than COFS’s over the last 12 months.

OSBC's SMR Rating (23) in the Regional Banks industry is in the same range as COFS (47) in the null industry. This means that OSBC’s stock grew similarly to COFS’s over the last 12 months.

OSBC's Price Growth Rating (45) in the Regional Banks industry is in the same range as COFS (55) in the null industry. This means that OSBC’s stock grew similarly to COFS’s over the last 12 months.

COFS's P/E Growth Rating (15) in the null industry is in the same range as OSBC (16) in the Regional Banks industry. This means that COFS’s stock grew similarly to OSBC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
COFSOSBC
RSI
ODDS (%)
Bearish Trend 3 days ago
53%
Bearish Trend 3 days ago
72%
Stochastic
ODDS (%)
Bullish Trend 3 days ago
71%
Bearish Trend 3 days ago
61%
Momentum
ODDS (%)
Bearish Trend 3 days ago
60%
Bearish Trend 3 days ago
64%
MACD
ODDS (%)
Bearish Trend 3 days ago
64%
Bearish Trend 3 days ago
60%
TrendWeek
ODDS (%)
Bearish Trend 3 days ago
59%
Bearish Trend 3 days ago
57%
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
66%
Declines
ODDS (%)
Bearish Trend 3 days ago
55%
Bearish Trend 3 days ago
57%
BollingerBands
ODDS (%)
Bullish Trend 3 days ago
69%
Bearish Trend 3 days ago
59%
Aroon
ODDS (%)
Bullish Trend 3 days ago
58%
Bullish Trend 3 days ago
50%
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COFS
Daily Signal:
Gain/Loss:
OSBC
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

OSBC and

Correlation & Price change

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

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To OSBC
1D Price
Change %
OSBC100%
-0.25%
BY - OSBC
87%
Closely correlated
+0.20%
ONB - OSBC
87%
Closely correlated
+0.09%
CATY - OSBC
86%
Closely correlated
+0.36%
WSFS - OSBC
86%
Closely correlated
+0.11%
TRMK - OSBC
86%
Closely correlated
-0.15%
More