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ChoiceOne Financial Services Inc. (COFS) 12-Month Stock Forecast & Price Target Cone

$36.30 +2.40% NASDAQ • 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 • HOLD / WATCH Cap $542.9M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on COFS Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is COFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does COFS compare to OBT and NPB in the Financials sector?
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Within the Financials sector (Major Banks), COFS carries a Roarable C (64/100 RQD), trailing P/E of 18.6x, gross margin of —, 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).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for COFS?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $36.39 (+0.24%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 11.1% FCF Margin
Verify 90D Bucket Audit →
📊 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 • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw C+ · 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
📬 FREE COFS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for COFS)Realized 20D OHLCV Swing Band: ±5.4%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY COFS SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

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

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

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

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

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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → 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 α
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the COFS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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) — 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 $COFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “COFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your COFS Position Size: $10,000

Shares at $36.30: 275.5 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $29.08
$8,011
$-1,989 (-19.9%)
12M Consensus BaseTarget $37.28
$10,270
+$270 (+2.7%)
12M Bull Case BreakoutTarget $43.99
$12,118
+$2,118 (+21.2%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$3974%A
Goldman SachsSector Coverage LeadBUY$4169%B
JP MorganUS Large-Cap ResearchHOLD$3358%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (COFS Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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COFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.67%▲ 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

🦋 COFS Butterfly Map → + Track COFS →
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 →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (COFS)

Financials Rank #284 of 1097 ⚔️ OBT vs COFS Full Matrix →

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 — 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 — 6.1% +2.40% $542.9M Benchmark Subject
OBT
Orange County Bancorp Inc.
C+ 69/100 12.4x — 14.6% +3.67% $537.8M /obt-vs-cofs →
NPB
Northpointe Bancshares Inc.
D+ 58/100 6.7x — 14.7% +0.63% $549.5M /npb-vs-cofs →
BSRR
Sierra Bancorp
C 64/100 13.0x — 11.6% +2.47% $553.1M /bsrr-vs-cofs →
WTBA
West Bancorporation
B- 71/100 15.7x — 12.2% +3.51% $527.7M /wtba-vs-cofs →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000803164 ↗

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 —
FY2024 (FY) 2024-12-31 $139.1M $26.7M $47.1M $45.4M $2.72B —
FY2023 (FY) 2023-12-31 $113.9M $21.3M $46.3M $46.3M — —

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

✓ 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 —, 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 ±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 • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

COFS — 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 —, operating margin of —, 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

  • 🐂 Primary Bull Case (C • 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 — 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 —.

  • Key Question #1: Can COFS sustain or expand its — 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) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to COFS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

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

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON COFS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on COFS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
QU QuantViper RQD DEBATE OPENER • Systematic Momentum Desk 🐂 BULLISH 🎯 Target: $41.83 (+18.0%)
📌 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 🐂 BULL

Both sides have a point here — 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 • 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.

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