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Upturn AI SWOT - About
COFS 
ChoiceOne Financial Services Inc (COFS)
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Upturn Advisory Summary
08/14/2025: 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 21.11% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 450.15M USD | Price to earnings Ratio 18.62 | 1Y Target Price 35.33 |
Price to earnings Ratio 18.62 | 1Y Target Price 35.33 | ||
Volume (30-day avg) 3 | Beta 0.59 | 52 Weeks Range 24.65 - 37.13 | Updated Date 08/15/2025 |
52 Weeks Range 24.65 - 37.13 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.65% | Basic EPS (TTM) 1.61 |
Earnings Date
Report Date 2025-07-25 | When Before Market | Estimate 0.78 | Actual 0.91 |
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 18.62 | Forward PE 7.79 | Enterprise Value 538663680 | Price to Sales(TTM) 4.15 |
Enterprise Value 538663680 | Price to Sales(TTM) 4.15 | ||
Enterprise Value to Revenue 5.69 | Enterprise Value to EBITDA - | Shares Outstanding 15015000 | Shares Floating 12429717 |
Shares Outstanding 15015000 | Shares Floating 12429717 | ||
Percent Insiders 6.23 | Percent Institutions 41.44 |
Upturn AI SWOT
ChoiceOne Financial Services Inc
Company Overview
History and Background
ChoiceOne Financial Services, Inc. was founded in 1898 as Sparta State Bank. It has grown organically and through acquisitions, becoming a multi-county community bank holding company serving West Michigan.
Core Business Areas
- Community Banking: Offers a range of banking products and services to individuals, small businesses, and commercial customers. Includes deposit accounts, loans, mortgages, and other financial services.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
ChoiceOne Financial Services Inc. is led by its Chief Executive Officer and a senior management team. The organizational structure includes departments for retail banking, commercial lending, wealth management, and operations, overseen by a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver. Market share data specific to ChoiceOne in West Michigan is not readily available without proprietary sources, but the market is competitive with regional and national banks. Competitors include larger banks like Fifth Third, Huntington, and smaller community banks.
- Mortgage Loans: Mortgage lending is another key product. Market share varies based on interest rate environments and local housing market conditions. Competitors include Quicken Loans (Rocket Mortgage), UWM, and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. Market share is fragmented across many institutions. Competitors include online banks and credit unions offering higher interest rates.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and competition from fintech companies. Community banks play a vital role in local economies.
Positioning
ChoiceOne Financial Services Inc. is positioned as a community bank focused on serving the needs of individuals and businesses in West Michigan. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in West Michigan is estimated to be several billion dollars annually. ChoiceOne Financial Services Inc is positioned to capture a portion of this market through its branch network and digital banking services.
Upturn SWOT Analysis
Strengths
- Strong local presence in West Michigan
- Experienced management team
- Customer-focused service model
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller size compared to larger regional banks
- Dependence on the West Michigan economy
- Lower brand recognition compared to national banks
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks or credit unions
- Growth in wealth management business
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic downturns
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- FTHM
- HBAN
- MBWM
- TCBI
Competitive Landscape
ChoiceOne Financial Services Inc. faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantage lies in its local focus and personalized service, but it needs to continue to innovate and invest in technology to remain competitive.
Major Acquisitions
Lakestone Bank & Trust
- Year: 2019
- Acquisition Price (USD millions): 91.2
- Strategic Rationale: Expanded ChoiceOne's footprint into southeastern Michigan, creating a larger community bank with enhanced market presence.
Growth Trajectory and Initiatives
Historical Growth: Growth has been achieved through organic expansion and acquisitions in West Michigan.
Future Projections: Future growth depends on economic conditions, competitive landscape, and the company's ability to execute its strategic plan. Analyst estimates are typically available from financial data providers.
Recent Initiatives: Recent initiatives may include branch expansions, digital banking enhancements, and community outreach programs.
Summary
ChoiceOne Financial Services Inc. is a community bank with a solid presence in West Michigan. Its strengths lie in its local market knowledge and customer-focused service. However, it faces competition from larger banks and fintech companies, and needs to continue to innovate and invest in technology to remain competitive. Potential acquisitions would benefit the company to increase revenue.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Third party financial data providers
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share percentages are estimates based on industry knowledge and may not be exact.
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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