Skip to content
Company Analysis

ChoiceOne Financial Services, I COFS

A comprehensive view of key metrics, scores, and financial health for ChoiceOne Financial Services, I

Overview of ChoiceOne Financial Services, Inc.

COFS NCM
Financial Services Banks - Regional Small Cap
ChoiceOne Financial Services, Inc. (COFS), is a Small Cap company, in the Banks - Regional industry, last closed at $27.25, about 13.3% undervalued vs fair value, -5.0% 1Y return, ranked 388/1004 in sector.
$27.25
-1.70%
As of March 13, 2026
Previous close • Vol 90d: 28.5%
52-Week Range
Market Cap
$409.40M
Enterprise Value
$634.66M
Overall Score
Scores locked

Create a free account to see overall and pillar scores for ChoiceOne Financial Services, I.

Top Beats

Quick Facts

Website https://www.choiceone.bank
HQ Sparta, MI
Employees 569
Fiscal year Dec 31

Next Events

Dividend Mar 31
Earnings Apr 29 Estimated

Fair Value Snapshot

Bear Base Bull
$17
$31
$58
Current: $27.25 +13% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$121.1M
22.4%%
Interest Expense
$65.9M
Net Interest Income
$74.4M
13%%
Total Revenue
$192.9M
108.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
10.3%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$9.0M
33.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating ChoiceOne Financial Services, I's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Moderate
64
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing COFS's balance between Growth (43.5%), Profitability (24.2%), and Safety (32.4%). Growth 43% Safety 32% Profitability 24%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

90th percentile vs peers
91
Key Signals
Rev Growth YoY 1.09 85p Asset Growth YoY 62.0% 99p Revenue CAGR 3Y 33.3% 88p
Strengths
  • Growth performance in top 20% of peers (percentile: 90)
  • Rev Growth Yoy in top 20% of peers (1.09, 85th percentile)
  • Asset Growth Yoy in top 20% of peers (62.0%, 99th percentile)
  • Revenue Cagr 3Y in top 20% of peers (33.3%, 88th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

50th percentile vs peers
50
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

67th percentile vs peers
68
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for ChoiceOne Financial Services, I.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$30.88
- - -
+13.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info