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Upturn AI Summary - About
ChoiceOne Financial Services Inc(COFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for COFS
10/30/2026: COFS (2-star) has a low Upturn Star Rating. Not recommended to BUY.
ChoiceOne Financial Services is a Michigan-based bank holding company that provides a comprehensive suite of banking and wealth management services. The company has a stable, community-focused business model that has historically benefited from disciplined credit practices and targeted regional acquisitions. Its primary growth opportunity lies in deepening its market presence in Michigan and leveraging digital tools to improve efficiency. However, the company faces risks from regional economic concentration, intense competition, and interest rate sensitivity. It is potentially suitable for value-oriented and dividend-seeking investors who are comfortable with the inherent cyclicality of the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady, manageable growth rather than high-velocity expansion. |
| Momentum investor | Weak fit | Regional banking stocks often move with macro-economic cycles rather than short-term price momentum. |
| Value investor | Strong fit | Regional banks often trade at reasonable multiples relative to their book value. |
| Dividend investor | Strong fit | ChoiceOne has demonstrated a commitment to returning capital through consistent dividends. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, banking stocks remain subject to market and economic cyclicality. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is susceptible to fluctuations in broader financial sector sentiment. |
| Valuation risk | Low | Bank stocks are generally valued based on fundamental earnings potential. |
| Competition risk (Banking) | High | Intense competition from larger regional and national banks impacts margins. |
| Business quality | Medium | The bank maintains a solid but concentrated regional business model. |
| Dividend income | Medium | Dividends are dependent on consistent earnings and capital adequacy. |
| Execution risk | Medium | Integration of past acquisitions requires ongoing management attention. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 27.97% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 528.87M USD | Price to earnings Ratio 9.66 | 1Y Target Price 37 |
Price to earnings Ratio 9.66 | 1Y Target Price 37 | ||
Volume (30-day avg) 82.9K shares | Beta 0.64 | 52 Weeks Range 26.17 - 37.09 | Updated Date 11/01/2026 |
52 Weeks Range 26.17 - 37.09 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 3.31% | Basic EPS (TTM) 3.67 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the primary way the bank makes money by lending at higher rates than it pays to depositors. |
| Non-Interest Income | Fees from services, wealth management, and service charges. | These are secondary income sources derived from service fees rather than lending activities. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-30 | When Before Market | Estimate 0.93 | Actual 1.05 |
Profitability
Profit Margin 32.17% | Operating Margin (TTM) 44.72% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 11.87% |
Valuation
Trailing PE 9.66 | Forward PE 7.79 | Enterprise Value 717.51M | Price to Sales(TTM) 3.12 |
Enterprise Value 717.51M | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 4.72 | Enterprise Value to EBITDA - | Shares Outstanding 14.92M | Shares Floating 13.67M |
Shares Outstanding 14.92M | Shares Floating 13.67M | ||
Percent Insiders 6.58 | Percent Institutions 48.57 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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