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ChoiceOne Financial Services, Inc.

COFS • Banks - Regional
$34.30
▲ +0.26 (+0.76%)
Current price
EarningsLatest report: Jun 30, 2026
BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.
Market Cap
$516.76M
Growth
8.2%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 14.6%Positive revenue growth · 6.1%Positive free cash flow · 1.01Consistent free cash flow · 5/5Reasonable earnings multiple · 14.61
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 12, 2026, 12:17 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$34.30
Change0.76%
Shares Out15.07M
Market Cap$516.76M
Enterprise Value$216.04M
52W Range26.10 - 35.40
Beta0.62
P/E9.44
P/S2.83
P/B1.07
P/FCF9.60
EV/Sales1.18

Investment DNA

How strong this company looks for long-term investors

64
out of 100
Business Quality
Margins, moat, returns
67/100
Financial Strength
Debt, cash, stability
35/100
Growth Potential
Revenue and expansion
48/100
Price Attractiveness
Cheap or expensive today
73/100
Why this score▼
Stable or improving margins · 14.6%Positive revenue growth · 6.1%Positive free cash flow · 1.01Consistent free cash flow · 5/5Reasonable earnings multiple · 14.61Manageable debt level · 0.67

Analyst view

Analyst sentiment and price target

COFS
Analyst sentiment
Based on 3 analyst votes · 2026-09-05
83/100
Bullish
Bullish
2
Hold
1
Bearish
0
Price Target
2026-08-12
Low
$38.00
Mean
$38.00
Median
$38.00
High
$38.00

Company Overview

IPO: 6/21/2001
Industry: Banks - Regional
P/B i: 1.07
Debt / Equity i: 0.67
Operating Margin: 17.72%
Net Margin: 14.61%
ROE i: -
ROIC: -

Financial Health

Score7 / 20
Debt / Equity: 0.67
Current Ratio: 0.06
Quick Ratio: 0.06
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Armock Greg L.
Transaction: 07/01/2026
BUY
Change
+489
Price
$34.00
Filing
07/06/2026
Type
BUY
Brophy Keith D.
Transaction: 07/01/2026
BUY
Change
+345
Price
$34.00
Filing
07/06/2026
Type
BUY
Burns Harold J
Transaction: 07/01/2026
BUY
Change
+489
Price
$34.00
Filing
07/06/2026
Type
BUY