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Upturn AI SWOT - About
COFS 
ChoiceOne Financial Services Inc (COFS)
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Upturn Advisory Summary
09/17/2025: COFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 18.12% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 448.65M USD | Price to earnings Ratio 18.56 | 1Y Target Price 35.33 |
Price to earnings Ratio 18.56 | 1Y Target Price 35.33 | ||
Volume (30-day avg) 3 | Beta 0.61 | 52 Weeks Range 24.43 - 36.79 | Updated Date 09/17/2025 |
52 Weeks Range 24.43 - 36.79 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 3.74% | Basic EPS (TTM) 1.61 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.04% | Operating Margin (TTM) 45.33% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 4.37% |
Valuation
Trailing PE 18.56 | Forward PE 7.79 | Enterprise Value 528303360 | Price to Sales(TTM) 4.14 |
Enterprise Value 528303360 | Price to Sales(TTM) 4.14 | ||
Enterprise Value to Revenue 5.61 | Enterprise Value to EBITDA - | Shares Outstanding 15015000 | Shares Floating 12643681 |
Shares Outstanding 15015000 | Shares Floating 12643681 | ||
Percent Insiders 6.23 | Percent Institutions 41.74 |
Upturn AI SWOT
ChoiceOne Financial Services Inc
Company Overview
History and Background
ChoiceOne Financial Services, Inc. was established in 1898, with its headquarters in Sparta, Michigan. It has grown through acquisitions and organic expansion to become a leading community bank in West Michigan.
Core Business Areas
- Community Banking: Offers a range of financial services including checking and savings accounts, loans, and investment services to individuals, families, and small businesses.
- Commercial Lending: Provides commercial loans, lines of credit, and other financial solutions to businesses of various sizes.
- Mortgage Lending: Offers mortgage loan products to assist customers in purchasing or refinancing residential properties.
- Wealth Management: Offers wealth management services including investment management, financial planning, and trust services.
Leadership and Structure
ChoiceOne Financial Services is led by CEO Michael J. Burke Jr. The organizational structure includes various departments such as retail banking, commercial lending, and wealth management, each headed by experienced professionals.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans serve businesses for capital expenditures, working capital, and expansions. Competitors include regional banks and credit unions. Market share data is not publicly disclosed precisely but it competes in the local West Michigan banking landscape. Competitors include large national banks such as JPMorgan Chase, regional banks such as Fifth Third, and other local community banks.
- Mortgage Loans: Mortgage loan products assist customers in purchasing residential properties. Competitors include national mortgage lenders and other regional banks. Market share data is not publicly available, but it's positioned as a local community lender in West Michigan. Competitors include Rocket Mortgage, Wells Fargo Home Mortgage and other regional and local banks.
- Deposit Accounts: Checking and savings accounts are fundamental banking services. Competitors include all other banks and credit unions. Market share data is not publicly available precisely, but they compete in West Michigan. Competitors include Bank of America, Huntington, and credit unions such as Lake Michigan Credit Union.
Market Dynamics
Industry Overview
The banking industry is currently facing a changing interest rate environment, increased regulatory scrutiny, and growing competition from fintech companies. The industry is undergoing digital transformation and consolidation.
Positioning
ChoiceOne Financial Services is positioned as a community-focused bank, emphasizing personalized service and local decision-making. This provides competitive advantages in customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM includes all banking and financial services within ChoiceOne's geographic footprint in West Michigan. TAM is estimated to be in the billions of dollars. ChoiceOne is focused on growing its market share through strategic initiatives and acquisitions.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Customer-focused service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach compared to larger banks
- Reliance on traditional banking products
- Smaller scale may limit investment in technology
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for personalized banking services
- Acquisition opportunities
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HFWA
- MBWM
- CFBK
Competitive Landscape
ChoiceOne competes with larger regional and national banks, as well as other community banks and credit unions. It differentiates itself through personalized service and local expertise.
Growth Trajectory and Initiatives
Historical Growth: ChoiceOne's historical growth has been driven by both organic expansion and acquisitions. Past performance requires detailed data analysis which is not available.
Future Projections: Future growth projections are typically based on analyst estimates and company guidance. This information requires current analyst reports.
Recent Initiatives: Recent strategic initiatives include investments in digital banking platforms, branch expansions, and acquisition of other community banks.
Summary
ChoiceOne Financial Services is a community bank with a strong presence in West Michigan. It is navigating an evolving banking landscape with challenges including competition and regulatory changes. Strengths such as customer focus and a local presence are beneficial. They must monitor interest rate changes and investment into technologies to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (hypothetical)
Disclaimers:
The information provided is for general informational purposes only and does not constitute financial advice. Market share data is estimated based on available information and may not be precise. Actual financial performance may vary.
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 571 | Website https://www.choiceone.bank |
Full time employees 571 | 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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