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ChoiceOne Financial Services Inc

COFS

30.330USD

+0.310+1.03%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

454.98MMarket Cap

15.01P/E TTM



ChoiceOne Financial Services Inc

30.330

+0.310+1.03%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of ChoiceOne Financial Services Inc

Currency: USD Updated: 2026-02-06

Key Insights

ChoiceOne Financial Services Inc's fundamentals are relatively healthy, with industry-average ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 137 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 33.50.In the medium term, the stock price is expected to remain stable.Despite a good stock market performance and strong technicals over the past month, the fundamentals don't support the current trend.The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

ChoiceOne Financial Services Inc's Score

Industry at a Glance

Industry Ranking

137 / 397

Overall Ranking

210 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

ChoiceOne Financial Services Inc Highlights

StrengthsRisks

ChoiceOne Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank and The State Bank. It operates 56 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair, Macomb, Genesee, Jackson, Livingston, Ingham, Saginaw, Shiawassee, and Bay counties. It offers deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, and demand deposits, safe deposit services, and automated transaction machine services. Commercial lending covers such categories as business, industry, agricultural, construction, inventory, and real estate. It provides services to small businesses and consumers in West, Central and Southeast Michigan a line of products and services delivered through a retail network including digital and branch banking. It offers insurance and investment products through ChoiceOne Insurance Agencies, Inc.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 110.89% year-on-year.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 143.41M.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 33.72%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 33.72%.

Fairly Valued

The company’s latest PB is 0.98, at a medium 3-year percentile range.

Institutional Buying

The latest institutional holdings are 6.55M shares, increasing 0.00% quarter-over-quarter.

Held by Invesco

Star Investor Invesco holds 10.84K shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of 0.13.

Analyst Rating

Based on 2 analysts

Buy

Current Rating

33.500

Target Price

+10.02%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of ChoiceOne Financial Services Inc is 5.90, ranking 296 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 38.45M, representing a year-over-year increase of 75.36%, while its net profit experienced a year-over-year increase of 93.70%.

Score

Industry at a Glance

Previous score

5.90

Change



Financials

6.27

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

4.36

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

3.14

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

10.00

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

5.72

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

ChoiceOne Financial Services Inc's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of ChoiceOne Financial Services Inc is 7.49, ranking 241 out of 397 in the Banking Services industry. Its current P/E ratio is 15.01, which is 66.06% below the recent high of 24.92 and 64.06% above the recent low of 5.39.

Score

Industry at a Glance

Previous score

7.49

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 137/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of ChoiceOne Financial Services Inc is 7.00, ranking 188 out of 397 in the Banking Services industry. The average price target is 36.00, with a high of 36.00 and a low of 34.00.

Score

Industry at a Glance

Previous score

7.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 2 analysts

Buy

Current Rating

33.500

Target Price

+10.02%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

ChoiceOne Financial Services Inc

COFS

JPMorgan Chase & Co

JPM

Wells Fargo & Co

WFC

Bank of America Corp

BAC

US Bancorp

USB

PNC Financial Services Group Inc

PNC

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2026-02-06

The current price momentum score of ChoiceOne Financial Services Inc is 9.12, ranking 218 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 32.07 and the support level at 28.01, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

9.00

Change

0.12

Support & Resistance

Relevant data have not been disclosed by the company yet.

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

0.469

Neutral

RSI(14)

56.769

Neutral

STOCH(KDJ)(9,3,3)

64.972

Neutral

ATR(14)

1.096

High Vlolatility

CCI(14)

125.372

Buy

Williams %R

32.636

Buy

TRIX(12,20)

0.025

Sell

StochRSI(14)

69.422

Sell

Moving Average

Sell(0)

Neutral(0)

Buy(6)

Indicators

Value

Direction

MA5

30.154

Buy

MA10

29.564

Buy

MA20

29.014

Buy

MA50

30.007

Buy

MA100

29.427

Buy

MA200

29.459

Buy

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of ChoiceOne Financial Services Inc is 3.00, ranking 252 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 43.45%, representing a quarter-over-quarter decrease of 0.05%. The largest institutional shareholder is The Vanguard, holding a total of 808.19K shares, representing 5.39% of shares outstanding, with 84.41% increase in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

Fourthstone LLC

1.09M

-4.33%

The Vanguard Group, Inc.

Star Investors

806.51K

+1.03%

BlackRock Institutional Trust Company, N.A.

781.55K

+2.51%

AllianceBernstein L.P.

349.78K

-2.78%

Geode Capital Management, L.L.C.

330.67K

+1.99%

State Street Investment Management (US)

280.47K

+23.46%

Essex (Bruce John Jr.)

249.11K

+5.43%

Manulife Investment Management (North America) Limited

225.69K

-0.21%

ProShare Advisors LLC

204.64K

-1.66%

Burrough (Eric E)

174.83K

+2.94%

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of ChoiceOne Financial Services Inc is 6.93, ranking 201 out of 397 in the Banking Services industry. The company's beta value is 0.59. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. ChoiceOne Financial Services Inc’s latest ESG disclosure is at an average level in the Banking Services industry, showing no material impact on overall risk.