COFS Stock Analysis: ChoiceOne Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 508m USD | 12M Return: 14.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.32M
EPS Trend: 88.6%
Qual. Beats: 1
Rev. Trend: 98.2%
Qual. Beats: 2
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
ChoiceOne Financial Services, Inc. is a Michigan-based bank holding company that operates ChoiceOne Bank. Founded in 1898, the company provides traditional retail and commercial banking services, including deposit accounts, mortgage banking, and a diverse lending portfolio covering agricultural, industrial, and residential sectors. Its broader financial suite includes trust and wealth management, insurance products, and investment services such as annuities and mutual funds.
Operating as a regional bank, ChoiceOne relies heavily on the net interest margin, which is the spread between interest earned on loans and interest paid to depositors. Unlike many traditional peers, the company also maintains a fintech intellectual property component, reflecting a modern shift toward digital service integration in the community banking sector. For a deeper look into these fundamentals, ValueRay offers additional analytical tools.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial and agricultural loan portfolio performance in Michigan markets
- Mortgage banking revenue volatility amid fluctuating residential interest rates
- Strategic expansion through regional bank acquisitions and organic branch growth
- Non-interest income growth from trust services and wealth management fees
| Net Income: 55.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: -1.55k% < 20% (prev -2.37k%; Δ 811.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 38.1m > Net Income 55.8m |
| Net Debt (149.5m) to EBITDA (89.6m): 1.67 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.1m) vs 12m ago 40.28% < -2% |
| Gross Margin: 70.84% > 18% (prev 58.98%; Δ 11.86% > 0.5%) |
| Asset Turnover: 5.56% > 50% (prev 3.52%; Δ 2.04% > 0%) |
| Interest Coverage Ratio: 0.99 > 6 (EBIT TTM 68.5m / Interest Expense TTM 68.9m) |
| A: -0.86 (Total Current Assets 86.2m - Total Current Liabilities 3.85b) / Total Assets 4.39b |
| B: 0.03 (Retained Earnings 112.0m / Total Assets 4.39b) |
| C: 0.02 (EBIT TTM 68.5m / Avg Total Assets 4.35b) |
| D: 0.12 (Book Value of Equity 470.0m / Total Liabilities 3.92b) |
| Altman-Z'' = -5.30 = D |
As of July 08, 2026, the stock is trading at USD 33.15 with a total of 66,230 shares traded. Over the past week, the price has changed by -2.10%, over one month by +4.46%, over three months by +16.06% and over the past year by +14.92%.
Current recommended Stop Loss: 31.70 (which is 4.4% or 1.1 ATR below the current price).
ChoiceOne Financial has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy COFS.
- StrongBuy: 2
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 34.3 | 3.6% |
P/E Trailing = 8.0379
P/E Forward = 8.15
P/S = 2.9704
P/B = 1.0807
Revenue TTM = 241.8m USD
EBIT TTM = 68.5m USD
EBITDA TTM = 89.6m USD
Long Term Debt = 48.6m USD (from longTermDebt, last quarter)
Short Term Debt = 165.0m USD (from shortTermDebt, last quarter)
Debt = 233.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 149.5m USD (calculated: Debt 233.4m - CCE 83.9m)
Enterprise Value = 657.5m USD (508.0m + Debt 233.4m - CCE 83.9m)
Interest Coverage Ratio = 0.99 (Ebit TTM 68.5m / Interest Expense TTM 68.9m)
EV/FCF = 21.35x (Enterprise Value 657.5m / FCF TTM 30.8m)
FCF Yield = 4.68% (FCF TTM 30.8m / Enterprise Value 657.5m)
FCF Margin = 12.73% (FCF TTM 30.8m / Revenue TTM 241.8m)
Net Margin = 23.07% (Net Income TTM 55.8m / Revenue TTM 241.8m)
Gross Margin = 70.84% ((Revenue TTM 241.8m - Cost of Revenue TTM 70.5m) / Revenue TTM)
Gross Margin QoQ = 71.85% (prev 69.68%)
Tobins Q-Ratio = 0.15 (Enterprise Value 657.5m / Total Assets 4.39b)
Interest Expense / Debt = 29.51% (Interest Expense 68.9m / Debt 233.4m)
Taxrate = 18.52% (12.7m / 68.5m)
NOPAT = 55.8m (EBIT 68.5m * (1 - 18.52%))
Current Ratio = 0.02 (Total Current Assets 86.2m / Total Current Liabilities 3.85b)
Debt / Equity = 0.50 (Debt 233.4m / totalStockholderEquity, last quarter 470.0m)
Debt / EBITDA = 1.67 (Net Debt 149.5m / EBITDA 89.6m)
Debt / FCF = 4.86 (Net Debt 149.5m / FCF TTM 30.8m)
Total Stockholder Equity = 454.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.28% (Net Income 55.8m / Total Assets 4.39b)
RoE = 12.28% (Net Income TTM 55.8m / Total Stockholder Equity 454.2m)
RoCE = 13.62% (EBIT 68.5m / Capital Employed (Equity 454.2m + L.T.Debt 48.6m))
RoIC = 1.27% (NOPAT 55.8m / Invested Capital 4.38b)
WACC = 13.05% (E(508.0m)/V(741.3m) * Re(8.0%) + D(233.4m)/V(741.3m) * Rd(29.51%) * (1-Tc(0.19)))
Discount Rate = 8.0% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 88.66 | Cagr: 35.85%
[DCF] Terminal Value 64.31% ; FCFF base≈28.3m ; Y1≈32.5m ; Y5≈47.8m
[DCF] Fair Price = 16.12 (EV 390.9m - Net Debt 149.5m = Equity 241.4m / Shares 15.0m; r=13.05% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 88.65 | EPS CAGR: 10.33% | SUE: 0.91 | # QB: 1
Revenue Correlation: 98.25 | Revenue CAGR: 38.36% | SUE: 1.43 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.88 | Chg30d=+0.00% | Revisions=+25% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.90 | Chg30d=+0.00% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=3.60 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=-2.1% | GrowthRev=+8.1%
EPS next Year (2027-12-31): EPS=3.68 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+2.2% | GrowthRev=+3.7%
[Analyst] Revisions Ratio: +50% (up=6, down=1)