ChoiceOne Financial Services (NASDAQ:COFS) versus FB Bancorp (NASDAQ:FBLA) Financial Review
by Sarita Garza · The Markets DailyChoiceOne Financial Services (NASDAQ:COFS – Get Free Report) and FB Bancorp (NASDAQ:FBLA – Get Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, profitability, risk, analyst recommendations, valuation, institutional ownership and dividends.
Profitability
This table compares ChoiceOne Financial Services and FB Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| ChoiceOne Financial Services | 22.77% | 12.04% | 1.28% |
| FB Bancorp | -0.36% | 0.91% | 0.22% |
Volatility and Risk
ChoiceOne Financial Services has a beta of 0.59, meaning that its share price is 41% less volatile than the S&P 500. Comparatively, FB Bancorp has a beta of -0.08, meaning that its share price is 108% less volatile than the S&P 500.
Institutional and Insider Ownership
19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 6.5% of ChoiceOne Financial Services shares are owned by company insiders. Comparatively, 3.8% of FB Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Earnings and Valuation
This table compares ChoiceOne Financial Services and FB Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| ChoiceOne Financial Services | $227.62 million | 2.21 | $28.18 million | $3.63 | 9.25 |
| FB Bancorp | $53.27 million | 4.75 | $1.25 million | ($0.01) | -1,588.00 |
ChoiceOne Financial Services has higher revenue and earnings than FB Bancorp. FB Bancorp is trading at a lower price-to-earnings ratio than ChoiceOne Financial Services, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current ratings for ChoiceOne Financial Services and FB Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| ChoiceOne Financial Services | 0 | 1 | 2 | 0 | 2.67 |
| FB Bancorp | 1 | 0 | 0 | 0 | 1.00 |
ChoiceOne Financial Services presently has a consensus price target of $36.50, indicating a potential upside of 8.70%. Given ChoiceOne Financial Services’ stronger consensus rating and higher possible upside, analysts clearly believe ChoiceOne Financial Services is more favorable than FB Bancorp.
Summary
ChoiceOne Financial Services beats FB Bancorp on 13 of the 14 factors compared between the two stocks.
About ChoiceOne Financial Services
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers alternative investment products, which include annuities and mutual funds; and sells insurance policies, such as life and health for commercial and consumer clients. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
About FB Bancorp
FB Bancorp Inc. operates as a bank holding company for Fidelity Bank. The Company, through its subsidiaries, provides deposit accounts, mortgages, home equity and consumer loans, credit and debit cards, online and mobile banking, investments and other financial services. FB Bancorp Inc. is based in New Orleans.