Head-To-Head Contrast: CFN Enterprises (OTCMKTS:CNFN) & ChoiceOne Financial Services (NASDAQ:COFS)

ChoiceOne Financial Services (NASDAQ:COFS) and CFN Enterprises (OTCMKTS:CNFN) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, analyst recommendations, valuation, institutional ownership, risk, earnings and dividends.

Institutional & Insider Ownership

19.9% of ChoiceOne Financial Services shares are held by institutional investors. 5.9% of ChoiceOne Financial Services shares are held by insiders. Comparatively, 40.8% of CFN Enterprises shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for ChoiceOne Financial Services and CFN Enterprises, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ChoiceOne Financial Services	0	2	3	0	2.60
CFN Enterprises	0	0	0	0	0.00

ChoiceOne Financial Services presently has a consensus target price of $37.00, suggesting a potential upside of 33.09%. Given ChoiceOne Financial Services’ stronger consensus rating and higher probable upside, analysts clearly believe ChoiceOne Financial Services is more favorable than CFN Enterprises.

Volatility & Risk

ChoiceOne Financial Services has a beta of 0.55, suggesting that its share price is 45% less volatile than the S&P 500. Comparatively, CFN Enterprises has a beta of 1.08, suggesting that its share price is 8% more volatile than the S&P 500.

Earnings & Valuation

This table compares ChoiceOne Financial Services and CFN Enterprises”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ChoiceOne Financial Services	$139.10 million	3.00	$26.73 million	$1.26	22.06
CFN Enterprises	$20.22 million	0.88	-$4.29 million	($0.98)	-2.15

ChoiceOne Financial Services has higher revenue and earnings than CFN Enterprises. CFN Enterprises 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.

Profitability

This table compares ChoiceOne Financial Services and CFN Enterprises’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
ChoiceOne Financial Services	7.95%	11.26%	1.09%
CFN Enterprises	-20.50%	N/A	-89.39%

Summary

ChoiceOne Financial Services beats CFN Enterprises on 12 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 CFN Enterprises

CFN Enterprises Inc. engages in the sponsored content and marketing business in the United States. The company sets up and manages compliant and turnkey ad campaigns, as well as runs sponsored content, including articles, press releases, videos, podcasts, advertisements and other media, email advertisements, and other marketing campaigns for public and private companies. It also operates various media platforms, including CannabisFN.com, CFNMediaNews.com, and other venues to educate and inform investors interested in the cannabis industry; and distributes content across various online platforms, such as the CannabisFN.com website, press releases, financial news syndicates, search engines, YouTube, iTunes, Instagram, X, Facebook, LinkedIn, and others. In addition, the company is involved in the white label manufacturing and co-packing business; and cannabidiol manufacturing business. It serves cannabis, hemp, and wellness industries. The company was formerly known as Accelerize Inc. and changed its name to CFN Enterprises Inc. in October 2019. CFN Enterprises Inc. was founded in 2001 and is based in Whitefish, Montana.