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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 $30.73, about 0.5% undervalued vs fair value, +8.1% 1Y return, ranked 390/1037 in sector.
Metrics Rev Growth 108.7% ROE 7.8% Gross Margin 58.2%
$30.73
1.92%
As of April 28, 2026
Previous close • Vol 90d: 28.0%
52-Week Range
Market Cap
$460.40M
Enterprise Value
$685.66M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Good
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
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: $30.73 +1% 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

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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
43
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
43
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing COFS's balance between Growth (43.6%), Profitability (25.5%), and Safety (30.9%). Growth 44% Safety 31% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

88th percentile vs peers
88
Key Signals
Asset Growth YoY 62.0% 99p NII Growth YoY 13.0% 83p Equity Growth YoY 33.1% 94p EPS Growth YoY 15.2% 70p
Strengths
  • Growth performance in top 20% of peers (percentile: 88)
  • Asset Growth YoY in top 20% of peers (62.0%, 99th percentile)
  • NII Growth YoY in top 20% of peers (13.0%, 83th percentile)
  • Equity Growth YoY in top 20% of peers (33.1%, 94th percentile)
  • ROTE in top 20% of peers (16.0%, 80th percentile)
Risks

No significant risks identified for this axis.

Profitability

51th percentile vs peers
51
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

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

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This company cannot be valued using standard models.

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Bear
-
- - -
- upside
-
Base
$30.88
- - -
+0.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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