ROARABLE
FREE $100K
My Trading Account β†’
β–Ύ
Trading Profile Active
Active Trader
Verified Trader
⚑ My $100K Trading Account β†’ β˜… My Saved Watchlist β†’
🟒 My $100K Account β†’ Today Screener Big Ideas Track Record πŸ’° $100K Arena 🎲 Predictions πŸ›οΈ Insiders 8 Analysts
Stock Ratings / Financials / COFS / financials
OBT (69) NPB (58) BSRR (64) WTBA (71) ⌘ Pro Terminal β†’

ChoiceOne Financial Services Inc. (COFS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$36.30 +2.40% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.39

ChoiceOne Financial Services Inc. (COFS) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C β€’ HOLD / WATCH Cap $542.9M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on COFS Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is COFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, ChoiceOne Financial Services Inc. (NASDAQ: COFS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $36.30 (+2.40% 1D, market cap $542.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, COFS ranks #284 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does COFS compare to OBT and NPB in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), COFS carries a Roarable C (64/100 RQD), trailing P/E of 18.6x, gross margin of β€”, and ROIC of 6.1%. By comparison, OBT (Orange County Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 12.4x, ROIC 14.6%, cap $537.8M) and NPB (Northpointe Bancshares Inc.) posts a D+ grade (58/100 RQD, P/E 6.7x, ROIC 14.7%, cap $549.5M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while NPB leads on capital efficiency (14.7% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for COFS?
β–Ό

Per COFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000803164), ChoiceOne Financial Services Inc. generated $227.6M in revenue (+63.6% YoY), $28.2M in net income, and $25.2M in free cash flow against $4.41B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $36.39 (+0.24%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 11.1% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY β€’ 55.2% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C+ Β· Rk C-
Cash (10)Whales (14)SEC (13)Macro (11)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$44 Bull$37 Base$29 Bear
πŸ“¬ FREE COFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for COFS)Realized 20D OHLCV Swing Band: Β±5.4%
Deterministic 5-Pillar Attribution (64/100 Composite)
πŸ” WHY COFS SCORES 64/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: Whale & Options Positioning+14/20 pts (22% of score)

20D Institutional Volume Accumulation (Β±5.4% realized swing band)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
56
Grade C$32.15+3.1% Next Q
Q2 (-2Q)
59
Grade C$33.16+3.8% Next Q
Q3 (-1Q)
61
Grade C$34.41+5.5% Next Q
Current
64
Grade C$36.30+1.1% Hist 90D Ξ±
Trajectory: C (56) β†’ C (64)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the COFS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 64/100 (C) score, COFS faces multiple-compression risk if 18.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.54) or 200D SMA ($31.64) invalidates the momentum regime and cuts Target Base ($37.28) toward Bear Floor ($29.08).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $COFSβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCOFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How COFS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$25.2M (11.1% FCF Margin)
Revenue$227.6MGross Profit $118.4M (52%)Cost of Sales $109.3MOp Profit $0 (0%)OpEx (R&D/SG&A) $118.4MNet Profit$28.2M (12.4%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $113.9M
FY24
Rev $139.1M
FY25
Rev $227.6M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$227.6M52%0%$28.2M$25.2M6.1%
FY 2024$139.1M52%0%$26.7M$45.4M6.1%
FY 2023$113.9M52%0%$21.3M$46.3M6.1%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring COFS)

  • βœ“Walkthrough of COFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) β†’$100K Arena
COFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.67%β–² ASCENDING CHANNEL
2026-11-04O $35.45H $36.30L $35.45C $36.30VOL 85.8K
RES: $37.19SUP: $32.24SMA50: $33.54SMA200: $31.64
$37.66$35.32$32.98$30.64$28.30RES $37.19SUP $32.24$36.302026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

COFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ COFS Butterfly Map β†’ + Track COFS β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.9%/yr Implied 5Y Growth

vs. +63.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on COFS today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for COFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for COFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (COFS)

Financials Rank #284 of 1097 βš”οΈ OBT vs COFS Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (COFS vs. OBT, NPB, BSRR, WTBA)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, ChoiceOne Financial Services Inc. (COFS) ranks #284 by composite RQD confidence (64/100, grade C) and #680 by equity capitalization ($542.9M). Within this direct 5-issuer industry benchmark cohort, NPB leads on earnings valuation at 6.7x trailing P/E, while NPB leads on capital efficiency and profitability with 14.7% ROIC and β€” gross margin. WTBA currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with COFS at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
COFS ACTIVE
ChoiceOne Financial Services Inc.
C 64/100 18.6x β€” 6.1% +2.40% $542.9M Benchmark Subject
OBT
Orange County Bancorp Inc.
C+ 69/100 12.4x β€” 14.6% +3.67% $537.8M /obt-vs-cofs β†’
NPB
Northpointe Bancshares Inc.
D+ 58/100 6.7x β€” 14.7% +0.63% $549.5M /npb-vs-cofs β†’
BSRR
Sierra Bancorp
C 64/100 13.0x β€” 11.6% +2.47% $553.1M /bsrr-vs-cofs β†’
WTBA
West Bancorporation
B- 71/100 15.7x β€” 12.2% +3.51% $527.7M /wtba-vs-cofs β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000803164 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ChoiceOne Financial Services Inc. (COFS) reported GAAP revenue of $227.6M (+63.6% vs. FY2024 revenue of $139.1M , and +99.9% cumulative change since FY2023) , GAAP net income of $28.2M, operating cash flow of $31.8M, and free cash flow of $25.2M (-44.5% YoY). On the balance sheet, COFS closed FY2025 with $4.41B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $227.6M $28.2M $31.8M $25.2M $4.41B β€”
FY2024 (FY) 2024-12-31 $139.1M $26.7M $47.1M $45.4M $2.72B β€”
FY2023 (FY) 2023-12-31 $113.9M $21.3M $46.3M $46.3M β€” β€”

3. COFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is COFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, ChoiceOne Financial Services Inc. (NASDAQ: COFS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $36.30 (+2.40% 1D, market cap $542.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, COFS ranks #284 in composite RQD confidence.

How does COFS compare to OBT and NPB in the Financials sector?

Within the Financials sector (Major Banks), COFS carries a Roarable C (64/100 RQD), trailing P/E of 18.6x, gross margin of β€”, and ROIC of 6.1%. By comparison, OBT (Orange County Bancorp Inc.) holds a C+ grade (69/100 RQD, P/E 12.4x, ROIC 14.6%, cap $537.8M) and NPB (Northpointe Bancshares Inc.) posts a D+ grade (58/100 RQD, P/E 6.7x, ROIC 14.7%, cap $549.5M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while NPB leads on capital efficiency (14.7% ROIC).

What are the biggest fundamental strengths and SEC risk factors for COFS?

Per COFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000803164), ChoiceOne Financial Services Inc. generated $227.6M in revenue (+63.6% YoY), $28.2M in net income, and $25.2M in free cash flow against $4.41B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is COFS trading relative to its 50-day, 200-day, and 52-week technical levels?

COFS last traded at $36.30 (+2.40% on volume of 85,787 shares), positioning the stock +8.23% above its 50-day simple moving average ($33.54) and +14.73% above its 200-day simple moving average ($31.64). Across its 52-week range of $26.63 to $37.10, COFS sits at the 92.4% percentile with a 14-day RSI of 71.8 (OVERBOUGHT (>70)) and an implied next-earnings move of Β±5.4% ($34.34 to $38.26).

Direct Sub-Reports: COFS RQD Cockpit COFS 12M Forecast COFS Earnings & Move COFS Dividends & DRIP COFS Insiders & 13F COFS Whale Options COFS Profit Sankey COFS News & Why
ROARABLE RATING BRIEF β€’ RQD 64/100 (C) βœ“ SEC XBRL & RQD VERIFIED

COFS β€” ChoiceOne Financial Services Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

ChoiceOne Financial Services Inc. (COFS) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $36.30 (+2.40% 1D, market capitalization $542.9M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 6.1%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 4.81%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

ChoiceOne Financial Services Inc. Is a NASDAQ-listed company classified in the Financials sector and the Major Banks industry. The company reported FY 2025 revenue of $227.6M.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), ChoiceOne Financial Services Inc. (COFS) reported $227.6M in annual revenue (up from $139.1M in FY2024, +63.6% YoY) and $28.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($113.9M revenue, $21.3M net income) through FY2025, COFS scaled operating cash flow to $31.8M and free cash flow to $25.2M, backed by $4.41B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.81% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $26.63 – $37.10 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.6x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), COFS carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can COFS sustain or expand its β€” operating margin and 6.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $227.6M and free cash flow of $25.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is COFS's 15.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

COFS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for ChoiceOne Financial Services Inc. (COFS) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to COFS Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

COFS Bull vs. Bear Conversation Board β€” What's Your Call at $36.30?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON COFS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on COFS:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER β€’ Systematic Momentum Desk πŸ‚ BULLISH 🎯 Target: $41.83 (+18.0%)
πŸ“Œ Pinned Debate

Insider cluster flow (16/20) and a forward P/E of 15.6 below the trailing 18.6 point to a balance sheet and earnings outlook the market

Here is why I am bullish on COFS here at $35.45: Insider cluster flow (16/20) and a forward P/E of 15.6 below the trailing 18.6 point to a balance sheet and earnings outlook the market may be underpricing.. Compare COFS's 0.0% operating margin and 6.1% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $33.68 are getting bought.

RetailWhale_TX πŸ‚ BULL

Both sides have a point here β€” COFS's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER β€’ Accounting Quality Watch 🐻 BEARISH 🎯 Target: $30.49 (-14.0%)
Spot @ $35.45

Weak cash-engine scoring (10/20) with ROIC of 6.1% and FCF falling from $46.3M to $25.2M undermines the earnings growth case.

Careful chasing COFS at $35.45. Weak cash-engine scoring (10/20) with ROIC of 6.1% and FCF falling from $46.3M to $25.2M undermines the earnings growth case.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $30.49 on multiple compression.

LIVE TAPE