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COFS
$30.60+0.57 (+1.90%)
Market ClosedLast close May 1
ChoiceOne Financial Services, Inc.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
ChoiceOne Financial Services, Inc. in the Financial Services sector is trading at $30.60. The stock is currently 14% below its 52-week high of $35.40, remaining 5.7% above its 200-day moving average. Technical signals show neutral RSI of 52 and bearish MACD signal, explaining why COFS maintains its current momentum and trend strength. The Whystock Score of 85/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 52) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$30.60
Potential Upside
24.3%
Whystock Fair Value$38.02
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Analyst Consensus3 analysts
Buy
Mean target$34.00+11.1%
Range$32.00 – $36.00
Fundamentals
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$450.96M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
14.98
Beta
Defensive asset. Lower volatility than the S&P 500.
0.61
Div Yield
Strong income play. Yield provides a meaningful total return floor.
386.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
3.04%
Volume
Today's trading volume
58,389
Recent News
ChoiceOne Financial Services, Inc. (COFS) Q1 Earnings Surpass Estimates
ChoiceOne Financial Services (COFS) delivered earnings and revenue surprises of +7.06% and -0.57%, respectively, for the quarter ended March 2026. Do the numbers hold clues to what lies ahead for the stock?
April 2026's Standout Dividend Stocks
The United States market has remained flat over the last week, though it has seen a 16% increase over the past year with earnings projected to grow by 15% annually. In such a dynamic environment, identifying standout dividend stocks involves finding companies that not only offer consistent payouts but also have the potential for growth in line with broader market expectations.
ChoiceOne Financial Services (COFS) Upgraded to Buy: What Does It Mean for the Stock?
ChoiceOne Financial Services (COFS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
ChoiceOne Financial Services, Inc. (COFS) Q4 Earnings Beat Estimates
ChoiceOne Financial Services (COFS) delivered earnings and revenue surprises of +1.66% and -2.19%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?
Dividend Stocks To Consider In January 2026
As the S&P 500 reaches new heights and the tech-heavy Nasdaq experiences a significant rally, investors are navigating a mixed market landscape where economic growth remains strong but consumer sentiment is low. Amidst this backdrop, dividend stocks continue to attract attention for their potential to provide steady income and stability in portfolios.