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
PFLC
Price
$11.83
Change
-$0.00 (-0.00%)
Updated
Nov 13 closing price
Capitalization
118.54M
Intraday BUY SELL Signals
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COFS vs PFLC

Header iconCOFS vs PFLC Comparison
Open Charts COFS vs PFLCBanner chart's image
ChoiceOne Financial Services
Price$29.78
Change+$0.34 (+1.15%)
Volume$381.78K
Capitalization447.41M
Pacific Financial
Price$11.83
Change-$0.00 (-0.00%)
Volume$1.6K
Capitalization118.54M
COFS vs PFLC Comparison Chart in %
COFS
Daily Signal:
Gain/Loss:
PFLC
Daily Signal:
Gain/Loss:
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VS
COFS vs. PFLC 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 COFS is a StrongBuy and PFLC is a Buy.

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COMPARISON
Comparison
Nov 14, 2025
Stock price -- (COFS: $29.78 vs. PFLC: $11.83)
Brand notoriety: COFS and PFLC are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: COFS: 354% vs. PFLC: 78%
Market capitalization -- COFS: $447.41M vs. PFLC: $118.54M
COFS [@Regional Banks] is valued at $447.41M. PFLC’s [@Regional Banks] market capitalization is $118.54M. 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).

COFS’s FA Score shows that 1 FA rating(s) are green whilePFLC’s FA Score has 2 green FA rating(s).

  • COFS’s FA Score: 1 green, 4 red.
  • PFLC’s FA Score: 2 green, 3 red.
According to our system of comparison, PFLC 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 PFLC’s TA Score has 4 bullish TA indicator(s).

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

Price Growth

COFS (@Regional Banks) experienced а +1.26% price change this week, while PFLC (@Regional Banks) price change was +1.37% 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

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
COFS($447M) has a higher market cap than PFLC($119M). COFS has higher P/E ratio than PFLC: COFS (16.18) vs PFLC (11.95). PFLC YTD gains are higher at: -1.353 vs. COFS (-14.011). COFS has more cash in the bank: 155M vs. PFLC (19.3M). PFLC has less debt than COFS: PFLC (13.4M) vs COFS (247M). COFS has higher revenues than PFLC: COFS (124M) vs PFLC (51.6M).
COFSPFLCCOFS / PFLC
Capitalization447M119M376%
EBITDAN/AN/A-
Gain YTD-14.011-1.3531,036%
P/E Ratio16.1811.95135%
Revenue124M51.6M240%
Total Cash155M19.3M803%
Total Debt247M13.4M1,843%
FUNDAMENTALS RATINGS
COFS vs PFLC: Fundamental Ratings
COFS
PFLC
OUTLOOK RATING
1..100
7682
VALUATION
overvalued / fair valued / undervalued
1..100
56
Fair valued
28
Undervalued
PROFIT vs RISK RATING
1..100
6623
SMR RATING
1..100
5256
PRICE GROWTH RATING
1..100
5652
P/E GROWTH RATING
1..100
1343
SEASONALITY SCORE
1..100
8537

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.

PFLC's Valuation (28) in the null industry is in the same range as COFS (56). This means that PFLC’s stock grew similarly to COFS’s over the last 12 months.

PFLC's Profit vs Risk Rating (23) in the null industry is somewhat better than the same rating for COFS (66). This means that PFLC’s stock grew somewhat faster than COFS’s over the last 12 months.

COFS's SMR Rating (52) in the null industry is in the same range as PFLC (56). This means that COFS’s stock grew similarly to PFLC’s over the last 12 months.

PFLC's Price Growth Rating (52) in the null industry is in the same range as COFS (56). This means that PFLC’s stock grew similarly to COFS’s over the last 12 months.

COFS's P/E Growth Rating (13) in the null industry is in the same range as PFLC (43). This means that COFS’s stock grew similarly to PFLC’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
COFSPFLC
RSI
ODDS (%)
Bullish Trend 1 day ago
56%
N/A
Stochastic
ODDS (%)
Bearish Trend 1 day ago
69%
Bearish Trend 3 days ago
20%
Momentum
ODDS (%)
Bullish Trend 1 day ago
60%
Bullish Trend 3 days ago
40%
MACD
ODDS (%)
Bullish Trend 1 day ago
70%
Bullish Trend 3 days ago
50%
TrendWeek
ODDS (%)
Bullish Trend 1 day ago
63%
Bullish Trend 3 days ago
46%
TrendMonth
ODDS (%)
Bullish Trend 1 day ago
62%
Bullish Trend 3 days ago
43%
Advances
ODDS (%)
Bullish Trend 1 day ago
66%
N/A
Declines
ODDS (%)
Bearish Trend 4 days ago
56%
N/A
BollingerBands
ODDS (%)
Bearish Trend 1 day ago
55%
Bearish Trend 3 days ago
21%
Aroon
ODDS (%)
N/A
Bearish Trend 3 days ago
39%
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COFS
Daily Signal:
Gain/Loss:
PFLC
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 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

PFLC and

Correlation & Price change

A.I.dvisor tells us that PFLC and KNFSF have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that PFLC and KNFSF's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PFLC
1D Price
Change %
PFLC100%
N/A
KNFSF - PFLC
24%
Poorly correlated
N/A
BPIRY - PFLC
21%
Poorly correlated
+2.06%
VABK - PFLC
20%
Poorly correlated
-2.14%
COFS - PFLC
20%
Poorly correlated
+0.51%
PBCRY - PFLC
8%
Poorly correlated
+0.69%
More