ChoiceOne Financial Services, Inc. (COFS) vs Citizens & Northern Corporation (CZNC)
A side-by-side comparison of ChoiceOne Financial Services, Inc. and Citizens & Northern Corporation across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — COFS vs CZNC
growth of $100 · dividends reinvested · last 10yCOFS vs CZNC: by the numbers
- •COFS is the larger company ($496M vs $460M market cap).
- •COFS trades at the lower trailing earnings multiple (9.15 vs 17.38 P/E), one valuation lens rather than an overall verdict.
- •COFS converts more revenue to profit (29.96% vs 15.42% net margin).
- •COFS grew revenue faster over the past five years (16.92% vs 8.12% CAGR).
- •CZNC pays the higher dividend yield (4.39% vs 3.51%).
Metrics side by side
Valuation
| Metric | COFS | CZNC |
|---|---|---|
| P/E ratio | 9.15 | 17.38 |
| Forward P/E | 8.97 | 11.82 |
| PEG ratio | N/A | 6.93 |
| P/S ratio | 2.72 | 2.80 |
| P/B ratio | 1.03 | 1.33 |
Profitability
| Metric | COFS | CZNC |
|---|---|---|
| Operating margin | 19.22% | 18.58% |
| Net margin | 29.96% | 15.42% |
| ROE | 11.34% | 7.32% |
ChoiceOne Financial Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Citizens & Northern Corporation: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | COFS | CZNC |
|---|---|---|
| Dividend yield | 3.51% | 4.39% |
| Payout ratio | 31.96% | 75.91% |
Growth (annualized)
| Metric | COFS | CZNC |
|---|---|---|
| Revenue CAGR (5Y) | 16.92% | 8.12% |
| EPS CAGR (5Y) | -0.58% | 2.35% |
| Total return CAGR (5Y) | 10.47% | 5.00% |
Frequently asked
- Which has the lower trailing P/E, COFS or CZNC?
- COFS has the lower trailing P/E: COFS trades at 9.15 and CZNC at 17.38. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, COFS or CZNC?
- Over the past five years, COFS grew revenue faster — COFS at a 16.92% CAGR versus CZNC at 8.12%.
- Does COFS or CZNC pay a bigger dividend?
- COFS yields 3.51% and CZNC yields 4.39% based on trailing dividends and the latest price.
- Is COFS or CZNC more profitable?
- COFS runs the higher net margin — COFS at 29.96% versus CZNC at 15.42%.
- How have COFS and CZNC total returns compared?
- Over the past 10 years, COFS delivered 8.94% and CZNC delivered 6.80% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
ChoiceOne Financial Services & Citizens & Northern appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.