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COFS vs SPY

Comparison between Choiceone Financial Services Inc (COFS, Company) and SPDR S&P 500 ETF Trust (SPY, ETF).

5-Year PerformanceSPY has outperformed COFS, delivering a return of +13.4% compared to +9.7%

COFS vs SPY - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap / Net Assets
COFS
$487M
Winner
SPY
$784B
Expense Ratio
COFS
N/A
SPY
0.09%
Max Drawdown
COFS
78.60%
Winner
SPY
56.47%
Sharpe Ratio
COFS
0.43
Winner
SPY
1.56
5Y Beta
Winner
COFS
0.75
SPY
1.00
Industry
COFS
Banks - Regional
SPY
N/A
P/E Ratio
Winner
COFS
8.76
SPY
28.29
Forward P/E
Winner
COFS
7.79
SPY
21.75
PEG Ratio
COFS
0.06
SPY
N/A
Dividend Yield
COFS
3.52%
SPY
N/A
5Y Dividends CAGR
Winner
COFS
11.07%
SPY
5.43%
5Y EPS CAGR
COFS
9.98%
Winner
SPY
25.98%
Debt to Equity
Winner
COFS
0.00%
SPY
30.79%
Free Cash Flow Yield
COFS
6.32%
SPY
N/A
P/S Ratio
Winner
COFS
2.84
SPY
3.79
P/B Ratio
Winner
COFS
1.01
SPY
5.67

COFS vs SPY - Historical Returns

Returns include dividend reinvestment.

1M
Winner
COFS
+5.51%
SPY
+0.48%
3M
Winner
COFS
+18.75%
SPY
+11.67%
6M
COFS
+4.13%
Winner
SPY
+9.42%
1Y
COFS
+14.74%
Winner
SPY
+24.27%
5Y(CAGR)
COFS
+9.72%
Winner
SPY
+13.36%
10Y(CAGR)
COFS
+8.03%
Winner
SPY
+15.42%
Max(CAGR)
COFS
+8.02%
Winner
SPY
+8.49%

COFS vs SPY - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearCOFSSPY
2026+13.62%+8.88%
2025-11.48%+18.00%
2024+21.81%+25.59%
2023+8.95%+26.72%
2022+17.81%-18.64%
2021-5.48%+30.52%
2020+0.43%+17.28%
2019+31.46%+31.09%
2018+13.41%-5.24%
2017+3.20%+20.78%
2016+2.82%+13.59%
2015+6.50%+1.31%
2014+38.72%+14.56%
2013+22.94%+29.00%
2012+22.04%+14.17%
2011+6.64%+0.85%
2010+38.47%+13.14%
2009+16.12%+22.67%
2008-28.78%-36.25%
2007-25.89%+5.32%
2006-4.00%+13.85%
2005-16.81%+5.32%
2004+39.39%+10.75%
2003+24.87%+24.18%
2002+12.71%-22.42%
2001+0.00%-10.13%
2000N/A-8.84%
1999N/A+8.61%

COFS vs SPY Drawdown Comparison

The maximum drawdown for COFS was -73.96%, occurring on Jan 26, 2009. Recovery took 1560 trading sessions.

The maximum drawdown for SPY was -55.20%, occurring on Mar 9, 2009. Recovery took 1224 trading sessions.

The current COFS drawdown is -8.64%. The current SPY drawdown is -2.35%.

RankCOFSSPY
#1-73.96%
Oct 29, 2004 - Jan 12, 2011		-55.20%
Oct 9, 2007 - Aug 16, 2012
#2-49.04%
Feb 14, 2020 - Dec 13, 2023		-47.50%
Mar 24, 2000 - Oct 26, 2006
#3-46.43%
Jan 12, 2011 - Feb 24, 2014		-33.70%
Feb 19, 2020 - Aug 10, 2020
#4-32.06%
Dec 5, 2024 - Apr 11, 2025		-24.50%
Jan 3, 2022 - Dec 13, 2023
#5-29.43%
Dec 26, 2023 - Jul 16, 2024		-19.34%
Sep 20, 2018 - Apr 12, 2019
#6-18.66%
Jul 16, 2024 - Sep 19, 2024		-18.76%
Feb 19, 2025 - Jun 26, 2025
#7-17.68%
Oct 11, 2002 - Jan 30, 2003		-13.02%
Jul 20, 2015 - Apr 18, 2016
#8-17.49%
Jan 30, 2003 - May 8, 2003		-10.10%
Jan 26, 2018 - Aug 6, 2018
#9-17.17%
Aug 21, 2018 - May 16, 2019		-9.44%
Sep 2, 2020 - Nov 11, 2020
#10-13.79%
Mar 13, 2002 - May 6, 2002		-9.30%
Jan 19, 2000 - Mar 17, 2000
#11-10.87%
Aug 13, 2004 - Oct 29, 2004		-9.05%
Jul 19, 2007 - Oct 5, 2007
#12-9.79%
Jun 29, 2016 - Dec 6, 2016		-8.88%
Jan 27, 2026 - Apr 14, 2026
#13-8.89%
Jan 11, 2017 - Dec 21, 2017		-8.41%
Jul 16, 2024 - Sep 19, 2024
#14-8.69%
Sep 19, 2024 - Oct 24, 2024		-7.35%
Sep 14, 2012 - Jan 2, 2013
#15-7.95%
Nov 17, 2015 - Jun 29, 2016		-7.27%
Sep 18, 2014 - Oct 31, 2014

Correlation

Correlation between COFS and SPY is 0.92 which considered as a very strong positive correlation - the stocks move almost identically together.

0.92
-101

Dividend Comparison (1999 - 2026)

COFS vs SPY dividend yield comparison.

YearCOFSSPY
20260.89%0.24%
20253.83%1.07%
20243.06%1.21%
20233.58%1.40%
20223.48%1.65%
20213.55%1.20%
20202.66%1.52%
20192.50%1.75%
20182.85%2.04%
20172.86%1.80%
20162.86%2.03%
20152.77%2.06%
20142.57%1.87%
20133.16%1.81%
20123.46%2.18%
20113.92%2.05%
20103.00%1.80%
20095.33%1.95%
20088.19%3.02%
20075.44%1.85%
20063.84%1.73%
20053.68%1.73%
20042.96%1.82%
20033.99%1.47%
20024.70%1.70%
20010.00%1.25%
20000.00%1.15%
19990.00%0.24%

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