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COFS 
ChoiceOne Financial Services Inc (COFS)
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Upturn Advisory Summary
11/13/2025: COFS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $35.33
1 Year Target Price $35.33
| 3 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.49% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/13/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 447.41M USD | Price to earnings Ratio 16.18 | 1Y Target Price 35.33 |
Price to earnings Ratio 16.18 | 1Y Target Price 35.33 | ||
Volume (30-day avg) 3 | Beta 0.64 | 52 Weeks Range 24.43 - 36.79 | Updated Date 11/13/2025 |
52 Weeks Range 24.43 - 36.79 | Updated Date 11/13/2025 | ||
Dividends yield (FY) 3.80% | Basic EPS (TTM) 1.84 |
Earnings Date
Report Date 2025-10-24 | When Before Market | Estimate 0.86 | Actual 0.97 |
Profitability
Profit Margin 16.78% | Operating Margin (TTM) 46.21% |
Management Effectiveness
Return on Assets (TTM) 0.61% | Return on Equity (TTM) 6.16% |
Valuation
Trailing PE 16.18 | Forward PE 7.79 | Enterprise Value 582697664 | Price to Sales(TTM) 3.5 |
Enterprise Value 582697664 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 4.81 | Enterprise Value to EBITDA - | Shares Outstanding 15023732 | Shares Floating 12645025 |
Shares Outstanding 15023732 | Shares Floating 12645025 | ||
Percent Insiders 6.18 | Percent Institutions 42.07 |
Upturn AI SWOT
ChoiceOne Financial Services Inc
Company Overview
History and Background
ChoiceOne Financial Services, Inc. was founded in 1898. It operates as the holding company for ChoiceOne Bank. The bank has grown through acquisitions and organic expansion, focusing on community banking in Michigan.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate, equipment financing, and working capital loans.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgage loans, and consumer loans.
- Wealth Management: Offers investment and trust services to individuals and families.
Leadership and Structure
ChoiceOne Financial Services is led by its executive team and governed by a board of directors. The organizational structure consists of various departments overseeing banking operations, finance, lending, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, market share is difficult to determine precisely but ChoiceOne is a community bank in Michigan with a focused presence. Competitors are larger regional and national banks.
- Mortgage Loans: Offers residential mortgage loans to individuals. Market share is dependent on the Michigan market and competes with both regional and national mortgage lenders. Competitors are Rocket Mortgage, UWM, and other regional banks.
- Deposit Accounts: Provides checking and savings accounts for businesses and individuals. Competitors are all banks and credit unions operating in their service area.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks are focusing on personalized service and local market expertise.
Positioning
ChoiceOne Financial Services positions itself as a community-focused bank providing personalized service and local expertise. Its competitive advantage lies in its understanding of the Michigan market and its ability to build strong customer relationships.
Total Addressable Market (TAM)
The TAM for community banking in Michigan is estimated to be in the billions of dollars. ChoiceOne Financial Services aims to capture a larger share through strategic initiatives and expansions.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Local market expertise
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on local economy
- Lower brand recognition compared to national banks
Opportunities
- Expanding into new markets within Michigan
- Acquiring smaller community banks
- Offering new financial technology solutions
- Increasing commercial lending activity
Threats
- Increased competition from larger banks and credit unions
- Economic downturn in Michigan
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- FCNCA
- MBWM
- TCBI
- CASH
Competitive Landscape
ChoiceOne faces competition from larger regional banks with greater resources and brand recognition. Its advantage lies in personalized service and local market knowledge.
Major Acquisitions
County Bank Corp
- Year: 2020
- Acquisition Price (USD millions): 54.3
- Strategic Rationale: Expansion of market presence in West Michigan.
Growth Trajectory and Initiatives
Historical Growth: Historical growth can be determined by examining previous annual reports, specifically revenue, assets, and number of branch locations.
Future Projections: Future projections depend on analyst estimates and company guidance.
Recent Initiatives: Recent initiatives might include branch expansions, technology upgrades, and new product launches.
Summary
ChoiceOne Financial Services is a community bank with solid local presence and strengths in customer relationships. It faces challenges from larger competitors and the need to adapt to the changing banking landscape. Expansion and technology adoption are important for future growth. They must look out for changes in regulation, and overall economic downturn.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports (where available, requiring a paid subscription)
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About ChoiceOne Financial Services Inc
Exchange NASDAQ | Headquaters Sparta, MI, United States | ||
IPO Launch date 2001-12-31 | CEO & Director Mr. Kelly J. Potes CFP | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 573 | Website https://www.choiceone.bank |
Full time employees 573 | Website https://www.choiceone.bank | ||
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. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers sells insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
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