First Internet Bancorp (INBK) Competitors

ChoiceOne Financial Services (NASDAQ:COFS) and First Internet Bancorp (NASDAQ:INBK) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, institutional ownership, valuation, media sentiment, earnings, analyst recommendations, profitability, risk and community ranking.

Is COFS or INBK a better dividend stock?

ChoiceOne Financial Services pays an annual dividend of $1.08 per share and has a dividend yield of 3.0%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.6%. ChoiceOne Financial Services pays out 34.1% of its earnings in the form of a dividend. First Internet Bancorp pays out 9.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. ChoiceOne Financial Services has increased its dividend for 12 consecutive years. ChoiceOne Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is COFS or INBK more profitable?

ChoiceOne Financial Services has a net margin of 18.41% compared to First Internet Bancorp's net margin of 6.92%. ChoiceOne Financial Services' return on equity of 11.79% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
ChoiceOne Financial Services	18.41%	11.79%	0.96%
First Internet Bancorp	6.92%	6.06%	0.42%

Does the MarketBeat Community prefer COFS or INBK?

First Internet Bancorp received 261 more outperform votes than ChoiceOne Financial Services when rated by MarketBeat users. Likewise, 62.09% of users gave First Internet Bancorp an outperform vote while only 50.00% of users gave ChoiceOne Financial Services an outperform vote.

Company	Underperform	Outperform
ChoiceOne Financial Services	Outperform Votes 1 50.00%	Underperform Votes 1 50.00%
First Internet Bancorp	Outperform Votes 262 62.09%	Underperform Votes 160 37.91%

Which has preferable valuation & earnings, COFS or INBK?

ChoiceOne Financial Services has higher earnings, but lower revenue than First Internet Bancorp. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
ChoiceOne Financial Services	$113.89M	2.86	$21.26M	$3.17	11.46
First Internet Bancorp	$265.57M	1.30	$8.42M	$2.54	15.69

Do analysts prefer COFS or INBK?

ChoiceOne Financial Services currently has a consensus price target of $37.00, indicating a potential upside of 1.87%. First Internet Bancorp has a consensus price target of $42.88, indicating a potential upside of 7.62%. Given First Internet Bancorp's higher possible upside, analysts plainly believe First Internet Bancorp is more favorable than ChoiceOne Financial Services.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
ChoiceOne Financial Services	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Does the media refer more to COFS or INBK?

In the previous week, ChoiceOne Financial Services and ChoiceOne Financial Services both had 3 articles in the media. ChoiceOne Financial Services' average media sentiment score of 1.83 beat First Internet Bancorp's score of 1.03 indicating that ChoiceOne Financial Services is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
ChoiceOne Financial Services	2 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
First Internet Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more volatility and risk, COFS or INBK?

ChoiceOne Financial Services has a beta of 0.69, meaning that its share price is 31% less volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500.

Do insiders & institutionals have more ownership in COFS or INBK?

19.9% of ChoiceOne Financial Services shares are owned by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are owned by institutional investors. 7.9% of ChoiceOne Financial Services shares are owned by insiders. Comparatively, 7.1% of First Internet Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Summary

ChoiceOne Financial Services beats First Internet Bancorp on 12 of the 20 factors compared between the two stocks.