Stock Scorecard
Stock Summary for Choiceone Financial Services Inc (COFS) - $29.71 as of 11/5/2025 8:53:26 PM EST
Total Score
16 out of 30
Safety Score
63 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for COFS
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for COFS
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for COFS
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for COFS
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for COFS (63 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 4 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for COFS
Financial Details for COFS
Company Overview |
|
|---|---|
| Ticker | COFS |
| Company Name | Choiceone Financial Services Inc |
| Country | USA |
| Description | ChoiceOne Financial Services, Inc. functions as the banking holding company for ChoiceOne Bank, providing a diverse array of community banking services designed to support individuals, businesses, and organizations across Michigan. Based in Sparta, Michigan, the company prioritizes a customer-focused strategy that fosters local economic development while delivering accessible financial solutions. With a strong commitment to community engagement and financial stability, ChoiceOne is strategically positioned to leverage growth opportunities amid the dynamic regional financial landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/28/2026 |
Stock Price History |
|
| Last Day Price | 29.71 |
| Price 4 Years Ago | 22.77 |
| Last Day Price Updated | 11/5/2025 8:53:26 PM EST |
| Last Day Volume | 191,389 |
| Average Daily Volume | 106,852 |
| 52-Week High | 36.79 |
| 52-Week Low | 24.43 |
| Last Price to 52 Week Low | 21.61% |
Valuation Measures |
|
| Trailing PE | 15.69 |
| Industry PE | 18.26 |
| Sector PE | 21.61 |
| 5-Year Average PE | 9.36 |
| Free Cash Flow Ratio | 4.51 |
| Industry Free Cash Flow Ratio | 11.22 |
| Sector Free Cash Flow Ratio | 32.05 |
| Current Ratio Most Recent Quarter | 0.18 |
| Total Cash Per Share | 6.59 |
| Book Value Per Share Most Recent Quarter | 29.94 |
| Price to Book Ratio | 0.98 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.29 |
| Price to Sales Ratio Twelve Trailing Months | 3.39 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.93 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.76 |
| Analyst Buy Ratings | 3 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 15,017,800 |
| Market Capitalization | 446,178,838 |
| Institutional Ownership | 41.79% |
Dividends |
|
| Ex-Dividend Date | 9/15/2025 |
| Previous Dividend Amount | 0.2800 |
| Current Dividend Amount | 0.2800 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.12 |
| Trailing Annual Dividend Yield | 3.88% |
| Forward Annual Dividend Rate | 1.12 |
| Forward Annual Dividend Yield | 3.88% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.15% |
| 5-Year Average Dividend Yield | 3.75% |
| 1-Year Dividend Growth Rate Percentage | 2.75% |
| 3-Year Dividend Growth Rate Percentage | 1.37% |
| 5-Year Dividend Growth Rate Percentage | 4.48% |
| All-Time Dividend Growth Rate Percentage | 2.88% |
| Dividend Payout Ratio | 60.87% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 14.10% |
| Annual Earnings Growth | 25.71% |
| Reported EPS 12 Trailing Months | 1.84 |
| Reported EPS Past Year | 2.74 |
| Reported EPS Prior Year | 3.37 |
| Net Income Twelve Trailing Months | 21,468,000 |
| Net Income Past Year | 26,727,000 |
| Net Income Prior Year | 21,261,000 |
| Quarterly Revenue Growth YOY | 80.40% |
| 5-Year Revenue Growth | 27.28% |
| Operating Margin Twelve Trailing Months | 46.20% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 98,978,000 |
| Total Cash Past Year | 96,401,000 |
| Total Cash Prior Year | 55,433,000 |
| Net Cash Position Most Recent Quarter | -124,027,000 |
| Net Cash Position Past Year | 40,649,000 |
| Long Term Debt Past Year | 55,752,000 |
| Long Term Debt Prior Year | 205,507,000 |
| Total Debt Most Recent Quarter | 223,005,000 |
| Equity to Debt Ratio Past Year | 0.82 |
| Equity to Debt Ratio Most Recent Quarter | 0.95 |
| Total Stockholder Equity Past Year | 260,415,000 |
| Total Stockholder Equity Prior Year | 195,634,000 |
| Total Stockholder Equity Most Recent Quarter | 4,296,902,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 16,260,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.08 |
| Free Cash Flow Past Year | 46,940,000 |
| Free Cash Flow Prior Year | 42,248,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.06 |
| MACD Signal | -0.05 |
| 20-Day Bollinger Lower Band | 27.03 |
| 20-Day Bollinger Middle Band | 29.28 |
| 20-Day Bollinger Upper Band | 31.53 |
| Beta | 0.64 |
| RSI | 51.09 |
| 50-Day SMA | 26.29 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 24.76 |
System |
|
| Modified | 11/5/2025 8:54:13 PM EST |