ChoiceOne Financial Services, Inc. (COFS) — Stock Score Summary

ChoiceOne Financial Services, Inc. (COFS) has a MoatMap StockRank of 48/100 based on Quality (44/100), Value (48/100), and Momentum (42/100) factor scores. The current signal is HOLD. ChoiceOne Financial is a small Michigan-based community bank. It lacks scale, has no exposure to our high-conviction macro themes, and does not meet our criteria for a global quality compounder.

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.

Key Financial Metrics

Price$31.37
Market Cap$471M
P/E (TTM)7.43
P/E (Forward)8.52
Price/Book1.00
Return on Equity12.4%
Gross Margin0.0%
Operating Margin44.6%
Revenue Growth135.0%
Dividend Yield3.7%

ChoiceOne Financial Services, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is ChoiceOne Financial Services, Inc.’s (COFS) StockRank?
MoatMap’s StockRank for ChoiceOne Financial Services, Inc. (COFS) is 48/100, with a Hold signal. It is a composite of Quality (44), Value (48), and Momentum (42) factor ranks across MoatMap’s 19,000+ stock universe.
Does ChoiceOne Financial Services, Inc. have an economic moat?
ChoiceOne Financial Services, Inc. (COFS) has a Quality factor score of 44/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is ChoiceOne Financial Services, Inc. a buy, hold, or sell?
MoatMap’s current signal for ChoiceOne Financial Services, Inc. (COFS) is Hold, based on a StockRank of 48/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is ChoiceOne Financial Services, Inc. in?
ChoiceOne Financial Services, Inc. (COFS) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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