Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
COFS
STRONG BUYAPPROVEChoiceOne Financial Services, Inc. · Financial Services · United States · $489M · Avg Vol: $4M/d
ChoiceOne Financial clears the calibrated bar. All three legs are above the floor (Q57 V64 M61) and a buyback retiring 0.33% of shares provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Higher-for-longer rates support net interest margin for a deposit-funded community lender.
COMPANY DESCRIPTION
ChoiceOne Financial Services is the bank holding company for ChoiceOne Bank, a community bank operating a network of branches in West and Southeastern Michigan. The bank provides comprehensive commercial and consumer banking services, leveraging advanced digital banking platforms to compete with larger national institutions. Its competitive advantage lies in its deep local market penetration, strong agricultural lending expertise, and a highly efficient operating model.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 81.4M | 80.8M | 92.4M | 161.7M | 25.7% | 171.0M | 174.9M | 181.3M | 5.9% |
| EPS | 3.15 | 2.82 | 3.27 | 2.02 | -13.8% | 4.22 | 1.98 | 2.02 | 0.0% |
| Shares | 7.5M | 7.5M | 9.0M | 15.0M | +99.6% | 15.0M | — | — | — |
| Debt | 85.3M | 235.5M | 210.8M | 313.5M | 54.3% | 234.5M | — | — | — |
| Equity | 168.9M | 195.6M | 260.4M | 465.4M | 40.2% | — | — | — | — |
| Op CF | 44.3M | 46.3M | 47.1M | 31.8M | -10.5% | 41.0M | — | — | — |
| Inv CF | -89.8M | -181.2M | -96.3M | 106.7M | — | — | — | — | — |
| Fin CF | 57.5M | 146.4M | 90.6M | -147.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of COFS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| COFS | ChoiceOne Financial Services, Inc.(you) | $489M | 85 | STRONG BUY |
| WTBA | West Bancorporation, Inc. | $464M | 85 | STRONG BUY |
| FMAO | Farmers & Merchants Bancorp, Inc. | $426M | 85 | STRONG BUY |
| BWFG | Bankwell Financial Group, Inc. | $496M | 80 | STRONG BUY |
| CIVB | Civista Bancshares, Inc. | $594M | 83 | STRONG BUY |
| FBIZ | First Business Financial Services, Inc. | $562M | 82 | STRONG BUY |
| RBB | RBB Bancorp | $446M | 90 | STRONG BUY |
| HBCP | Home Bancorp, Inc. | $552M | 80 | STRONG BUY |
| PFIS | Peoples Financial Services Corp. | $695M | 85 | STRONG BUY |
| PLBC | Plumas Bancorp | $427M | 79 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%