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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
10/02/2026: COFS (2-star) is currently NOT-A-BUY. Pass it for now.
ChoiceOne Financial Services Inc is a regional bank holding company centered in Michigan, offering a mix of commercial, retail, and wealth management services. The firm is known for its strong community-focused brand and long-term customer relationships, which provide a stable deposit base. Its growth strategy relies on organic expansion and targeted regional mergers, such as the 2020 acquisition of Lakestone Bank. While it benefits from a stable dividend profile, it faces significant competition from large national banks and risks associated with regional economic concentration. Investors should monitor the impact of interest rate cycles and the bank's ability to maintain margins while navigating evolving regulatory and digital banking landscapes.
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 offers moderate growth potential through organic efforts and M&A but lacks the high-growth profile of technology sectors. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lacks the explosive price action often sought by momentum traders. |
| Value investor | Strong fit | The stock often trades at reasonable valuation multiples relative to earnings, making it attractive for value-oriented portfolios. |
| Dividend investor | Strong fit | Consistent dividend payments make this an attractive candidate for income-focused portfolios. |
| Low-risk investor | Strong fit | Conservative banking practices and a stable dividend profile appeal to those prioritizing capital preservation. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks are sensitive to interest rate changes and broader economic cycles, leading to periodic price fluctuations. |
| Valuation risk | Low | The stock typically trades at stable multiples, reducing the likelihood of extreme overvaluation. |
| Competition risk (Banking) | High | Competition from large national players with scale advantages pressures margins and service offerings. |
| Business quality | Medium | The bank maintains solid credit quality and a loyal customer base, though it lacks the competitive moat of larger institutions. |
| Dividend income | Low | Dividends are relatively stable and well-supported by earnings. |
| Execution risk | Medium | Successful growth depends on managing future acquisitions and digital integration effectively. |
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 0.48% | Avg. Invested days 46 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/02/2026 |
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 495.18M USD | Price to earnings Ratio 8.76 | 1Y Target Price 37 |
Price to earnings Ratio 8.76 | 1Y Target Price 37 | ||
Volume (30-day avg) 74.7K shares | Beta 0.61 | 52 Weeks Range 25.14 - 34.70 | Updated Date 10/02/2026 |
52 Weeks Range 25.14 - 34.70 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 3.50% | Basic EPS (TTM) 3.78 |
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; it earns more from loans than it pays to depositors. |
| Non-Interest Income | Fees from wealth management, service charges on accounts, and mortgage banking income. | These are service fees that provide a steady stream of income independent of interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 8.76 | Forward PE 7.79 | Enterprise Value 749.34M | Price to Sales(TTM) 2.91 |
Enterprise Value 749.34M | Price to Sales(TTM) 2.91 | ||
Enterprise Value to Revenue 4.82 | Enterprise Value to EBITDA - | Shares Outstanding 14.96M | Shares Floating 13.71M |
Shares Outstanding 14.96M | Shares Floating 13.71M | ||
Percent Insiders 6.56 | Percent Institutions 48.4 |
Upturn AI Summary
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.
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.
About ChoiceOne Financial Services Inc
Exchange NASDAQ | Headquarters 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 577 | Website https://www.choiceone.bank |
Full time employees 577 | Website https://www.choiceone.bank | ||
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers 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. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
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