COMP <GO>
COFS vs V // RSI-14 & 200D SMA MOMENTUM
ChoiceOne Financial Services Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: COFS 4
— V 5
▲ RSI-14 & 200D SMA MOMENTUM LEADER: V
LAST: $36.25 (-0.14%) • MKT CAP: $542.9M
rsi-technicals
71.8
LAST: $420.42 (-1.20%) • MKT CAP: $760.28B
rsi-technicals
74.2
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (COFS VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | COFS | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 6.10% | 32.30% | -26.20 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.81% | 2.90% | +1.91 | COFS | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 12.40% | 50.10% | -37.70 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 63.60% | 11.30% | +52.30 | COFS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.24% | 0.63% | +2.61 | COFS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 6/9 | 9/9 | -3.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum ACTIVE | 71.8 | 74.2 | -2.40 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 15.6x | 34.0x | -18.40 | COFS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $542.9M | $760.28B | -$759.74B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | COFS REV | V REV | COFS GROSS % | V GROSS % | COFS FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $227.6M | $40.00B | — | — | $25.2M | $21.26B |
| FY 2024 | $139.1M | $35.93B | — | — | $45.4M | $18.33B |
| FY 2023 | $113.9M | $32.65B | — | — | $46.3M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
COFS // BETA —
V // BETA 1.06