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Equity
ChoiceOne Financial Services Inc(COFS)
USD --+0.00%
Reward60Moderate
Risk55Medium-High
📊75%Data
Strong 19% profit margin · 3.8% dividend yield · Revenue growing 80% YoY
COFS
+0.0 · +0.00%
USD · NASDAQ
ChoiceOne Financial Services Inc | Financial Services
Dividend King
Market Cap:434.64M
ℹ️
Reward Rating
60
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
55
Medium-High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on COFS to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $33.50.

What is ChoiceOne Financial Services Inc?

operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan.

COFS · Verdict

Solid reward · elevated risk

COFS stands out on volatility and profitability, but watch the balance sheet signal.

Based on 88% data coverage

COFS · Verdict

What’s working & what to watch

Strengths 2

  • Volatility80/100

    Top decile vs peers

  • Profitability70/100

    15% net margin · 8% ROE

Watchouts 1

  • Balance sheet7/100

    Net debt/EBITDA 6.6×

Model-based scoring. For information only — not financial advice.

What is ChoiceOne Financial Services Inc?

operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan. The company offers time, savings, and demand deposits, safe deposit, and automated transaction machine services. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 434.64M, and a P/E ratio of 14.4x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Adequate profitability with some margin variability in recent periods.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (60)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap434.64M
P/E Ratio14.393
Dividend Yield3.80%
52 Week High35.4
52 Week Low24.2041
Last AnnualDecember
IPO Date12/31/2001
IncorporatedUSA
Shares Outstanding15M
No. of Employees569
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.599
CurrencyUSD
Websitewww.choiceone.bank
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