COFS
BuyFull HouseAI screen passChoiceOne Financial Services, Inc. · Financial Services · United States · $512M cap · $2.9M/day traded
$34.60 +1.0% · close 26 Oct · scored 27 Oct
Full House: Strong business, sensible price, market agrees. The rare full house.
Report expected 30 Oct: the next-year EPS estimate has risen 1.1% over the last 14 weeks.
As of 27 Oct 2026, MoatMap's StockRank for ChoiceOne Financial Services, Inc. (COFS) is 78/100, ranked against 24,000+ stocks in 35 markets (Quality 56, Value 60, Momentum 58, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
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.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT CHOICEONE FINANCIAL SERVICES, INC.
Read
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% | 169.9M | 174.9M | 181.4M | 5.9% |
| EPS | 3.15 | 2.82 | 3.27 | 2.02 | -13.8% | 3.67 | 2.01 | 2.04 | 0.6% |
| Shares | 7.5M | 7.5M | 9.0M | 15.0M | +99.6% | 15.0M | — | — | — |
| Debt | 85.3M | 235.5M | 210.8M | 313.5M | 54.3% | 344.3M | — | — | — |
| Equity | 168.9M | 195.6M | 260.4M | 465.4M | 40.2% | — | — | — | — |
| Op CF | 44.3M | 46.3M | 47.1M | 31.8M | -10.5% | 59.1M | — | — | — |
| Inv CF | -89.8M | -181.2M | -96.3M | 106.7M | — | — | — | — | — |
| Fin CF | 57.5M | 146.4M | 90.6M | -147.3M | — | — | — | — | — |
Above its 200-day average and 1% below its 52-week high.
Calmer than 79% of stocks we rank over the past year (27% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
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) | $512M | 78 | Buy |
| FRBA | First Bank | $480M | 78 | Buy |
| WTBA | West Bancorporation, Inc. | $519M | 76 | Buy |
| CZNC | Citizens & Northern Corporation | $498M | 79 | Buy |
| BSVN | Bank7 Corp. | $558M | 77 | Buy |
| BWFG | Bankwell Financial Group, Inc. | $536M | 74 | Buy |
| PLBC | Plumas Bancorp | $439M | 80 | Buy |
| MVBF | MVB Financial Corp. | $388M | 77 | Buy |
| UNTY | Unity Bancorp, Inc. | $585M | 74 | Buy |
| CIVB | Civista Bancshares, Inc. | $586M | 82 | Strong Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.