ChoiceOne Financial Services (NASDAQ:COFS) and 9F (NASDAQ:JFU) Head-To-Head Analysis

ChoiceOne Financial Services (NASDAQ:COFS) and 9F (NASDAQ:JFU) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, dividends, valuation, risk, analyst recommendations, earnings and profitability.

Risk and Volatility

ChoiceOne Financial Services has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500. Comparatively, 9F has a beta of 1.14, meaning that its stock price is 14% more volatile than the S&P 500.

Earnings & Valuation

This table compares ChoiceOne Financial Services and 9F”s gross 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	3.44	$26.73 million	$1.37	23.28
9F	$42.47 million	2.04	$6.85 million	N/A	N/A

ChoiceOne Financial Services has higher revenue and earnings than 9F.

Analyst Ratings

This is a summary of recent ratings for ChoiceOne Financial Services and 9F, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ChoiceOne Financial Services	0	2	3	0	2.60
9F	0	1	0	0	2.00

ChoiceOne Financial Services currently has a consensus target price of $37.00, suggesting a potential upside of 15.99%. Given ChoiceOne Financial Services’ stronger consensus rating and higher possible upside, analysts plainly believe ChoiceOne Financial Services is more favorable than 9F.

Profitability

This table compares ChoiceOne Financial Services and 9F’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
ChoiceOne Financial Services	10.57%	11.52%	1.16%
9F	N/A	N/A	N/A

Insider and Institutional Ownership

19.9% of ChoiceOne Financial Services shares are owned by institutional investors. 5.9% of ChoiceOne Financial Services shares are owned by company insiders. Comparatively, 53.9% of 9F shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Summary

ChoiceOne Financial Services beats 9F on 10 of the 12 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 9F

9F Inc., together with its subsidiaries, operates internet securities service platform in the People's Republic of China. The company operates through three segments: Technology Empowerment Services, E-commerce business, and Wealth Management. Its products include digital financial accounts that offer online lending, wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to financial institution partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, bank wealth management products, and mutual funds to investors in various platforms, including Wukong Licai, 9F Wallet, and 9F Puhui. The company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills comprising utility bills; and other value-added services consisting of credit history search, debt consolidation, and user referral services. In addition, it offers technology empowerment services to banking, automobile, securities investment, and insurance industries; and engages in E-commerce business, which offers various categories of merchandise, including 3C products, beauty and skin care products, food, household appliances, and liquor and beverages. It provides its services to borrowers, investors, and financial institutions partners. The company was formerly known as JIUFU Financial Technology Service Limited and changed its name to 9F Inc. in June 2014. 9F Inc. was founded in 2006 and is headquartered in Beijing, the People's Republic of China.