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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
20D Institutional Volume Accumulation (±5.4% realized swing band)
Capital intensity & 0% operating margin leave 10 pts on the table
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
ChoiceOne Financial Services Inc. (COFS) surged +2.40% to $36.30, trading at 92% of its 52-week range ($26.63 – $37.1). Solid steady margins (6% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
DA Davidson analyst Jeff Rulis maintains ChoiceOne Financial Servs (NASDAQ:COFS) with a Buy and raises the price target from $38 to $40.
ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ: COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2026.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +63.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on COFS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for COFS. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
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).
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.
Operating in Major Banks (Financials), COFS carries a macro regime beta of 1.00 and gross margin of —.
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Yahoo Finance report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering ChoiceOne Financial Services Inc. (COFS) market action, institutional positioning, and fundamental catalysts.
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.
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.
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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