ChoiceOne Financial Services, Inc. (COFS) stock analysis

In our weekly check, ChoiceOne Financial Services, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 4, red flags: 8.

About ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as COFS.

What our checks show for COFS

Red flags

• The net margin fell by 11.7 points over 5 years, to 14.6%: the company keeps less of each sale as profit.
• The gross margin fell by 36.6 points, to 58.2%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 0.2% a year.
• The stock has fallen as much as 70% from a peak. Would you have held through that?
• The share count grew by 84.9% in 2 years: each shareholder owns a smaller slice.
• Thinly traded (about 82 thousand shares a day): buying and selling can move the price.
• Return on capital (ROCE) is only 0.8%.

Warning signs

• Earnings per share fell 13.8% a year over the last 3 years.
• A small company (market value $547 million): usually riskier and followed by fewer analysts.
• Recovering from its deepest fall took about 1.9 years.

Strengths

• Analysts expect earnings per share to grow about 25.8% a year over the next years.
• Analysts expect the net margin to improve by 14.7 points from today's 14.6%.
• Revenue grew 29.3% a year over the last 3 years.
• Free cash flow is 13.1% of revenue: cash for dividends, buybacks or growth.
• The price is 10.1 times earnings (P/E), reasonable for its growth.
• Beta 0.63: the stock usually moves less than the market.

Next earnings report: 2027-01-29

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Questions

What grade does ChoiceOne Financial Services, Inc. (COFS) have?

In our weekly check, ChoiceOne Financial Services, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 4, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of COFS stock?

This week's biggest flags for ChoiceOne Financial Services, Inc.: Margins falling, Gross margin falling, Weak revenue forecast. In total 12 of 25 checks show a warning or a red flag.

What does ChoiceOne Financial Services, Inc. do?

ChoiceOne Financial Services, Inc. is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as COFS.

When does ChoiceOne Financial Services, Inc. report earnings next?

The next earnings report is expected on 2027-01-29. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-11-07

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