ChoiceOne Financial Services, Inc. (COFS) vs Orange County Bancorp, Inc. (OBT)
A side-by-side comparison of ChoiceOne Financial Services, Inc. and Orange County Bancorp, Inc. 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 OBT
growth of $100 · dividends reinvested · last 10yCOFS vs OBT: by the numbers
- •OBT is the larger company ($503M vs $494M market cap).
- •COFS trades at the lower trailing earnings multiple (9.10 vs 10.56 P/E), one valuation lens rather than an overall verdict.
- •OBT converts more revenue to profit (31.45% vs 29.96% net margin).
- •COFS grew revenue faster over the past five years (16.92% vs 16.77% CAGR).
- •COFS pays the higher dividend yield (3.51% vs 1.90%).
Metrics side by side
Valuation
| Metric | COFS | OBT |
|---|---|---|
| P/E ratio | 9.10 | 10.56 |
| Forward P/E | 8.92 | 10.87 |
| PEG ratio | N/A | 0.51 |
| P/S ratio | 2.70 | 3.34 |
| P/B ratio | 1.02 | 1.64 |
Profitability
| Metric | COFS | OBT |
|---|---|---|
| Operating margin | 19.22% | 34.01% |
| Net margin | 29.96% | 31.45% |
| ROE | 11.34% | 15.46% |
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.
Orange County Bancorp, 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.
Dividends
| Metric | COFS | OBT |
|---|---|---|
| Dividend yield | 3.51% | 1.90% |
| Payout ratio | 31.96% | 20.28% |
Growth (annualized)
| Metric | COFS | OBT |
|---|---|---|
| Revenue CAGR (5Y) | 16.92% | 16.77% |
| EPS CAGR (5Y) | -0.58% | 20.70% |
| Total return CAGR (5Y) | 10.47% | 19.53% |
Frequently asked
- Which has the lower trailing P/E, COFS or OBT?
- COFS has the lower trailing P/E: COFS trades at 9.10 and OBT at 10.56. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, COFS or OBT?
- Over the past five years, COFS grew revenue faster — COFS at a 16.92% CAGR versus OBT at 16.77%.
- Does COFS or OBT pay a bigger dividend?
- COFS yields 3.51% and OBT yields 1.90% based on trailing dividends and the latest price.
- Is COFS or OBT more profitable?
- OBT runs the higher net margin — COFS at 29.96% versus OBT at 31.45%.
- How have COFS and OBT total returns compared?
- Over the past 10 years, COFS delivered 8.94% and OBT delivered 15.24% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
ChoiceOne Financial Services & Orange County Bancorp 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.