Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
COFS
BuyFull HouseAPPROVEChoiceOne Financial Services, Inc. · Financial Services · United States · $499M · Avg Vol: $2M/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% | 169.9M | 174.9M | 181.8M | 6.0% |
| EPS | 3.15 | 2.82 | 3.27 | 2.02 | -13.8% | 3.78 | 2.01 | 2.05 | 0.8% |
| 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 | — | — | — | — | — |
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) | $499M | 76 | Buy |
| RBB | RBB Bancorp | $444M | 75 | Buy |
| CHMG | Chemung Financial Corporation | $393M | 77 | Buy |
| MVBF | MVB Financial Corp. | $394M | 77 | Buy |
| CIVB | Civista Bancshares, Inc. | $571M | 73 | Buy |
| CBNK | Capital Bancorp, Inc. | $595M | 74 | Buy |
| ACNB | ACNB Corporation | $656M | 75 | Buy |
| WTBA | West Bancorporation, Inc. | $485M | 70 | Buy |
| PFIS | Peoples Financial Services Corp. | $697M | 76 | Buy |
| BWFG | Bankwell Financial Group, Inc. | $531M | 70 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%