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COFSChoiceOne Financial Services, IHold6.8·$34.19-0.64%
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ChoiceOne Financial Services, I (COFS) Stock Analysis

Breakout setup · Catalyst-Driven edge

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $34.19, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.2% away).

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 services. It also provides... Read more

$34.19+0.8% A.UpsideScore 6.8/10#5 of 225 Banks - Regional
QualityF-score5 / 9FCF yield
IncomeYield3.42%(5y avg 3.93%)Payout27.01%sustainable
Stop $31.55Target $34.20(resistance)A.R:R -1.1:1
Analyst target$34.33+0.4%3 analysts
$34.20our TP
$34.19price
$34.33mean
$32
$36

Hold if already holding. Not a fresh buy at $34.19, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.2% away). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Maintain position. Not compelling to add more. Score 6.8/10, moderate confidence.

Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Fri, Jul 24, 202620d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Near 52-week high (4.2% away)

Key Metrics

P/E (TTM)8.0
P/E (Fwd)9.2
Mkt Cap$508M
EV/EBITDA
Profit Mgn32.6%
ROE12.4%
Rev Growth135.0%
Beta0.62
Dividend3.42%
Rating analysts9

Quality Signals

Piotroski F5/9MoatNarrow

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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Methodology · Editorial policy & full disclaimer

Rating Breakdown

1 ceiling hit

GatesA.R:R -1.1=NEGATIVEMomentum 7.0>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 20d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARBreakoutSuitability: Aggressive
RSI
69 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $29.62Resistance $34.90

Price Targets

$32
$34
A.Upside+0.0%
A.R:R-1.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! Target reached (-14.0% upside)
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-24 (20d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is COFS stock a buy right now?

Hold if already holding. Not a fresh buy at $34.19, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Near 52-week high (4.2% away). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Maintain position. Not compelling to add more. Target $34.20 (+0.0%), stop $31.55 (−8.4%), A.R:R -1.1:1. Score 6.8/10, moderate confidence.

What is the COFS stock price target?

Take-profit target: $34.20 (+0.8% upside). Target $34.20 (+0.0%), stop $31.55 (−8.4%), A.R:R -1.1:1. Stop-loss: $31.55.

What are the risks of investing in COFS?

Analyst target reached - limited upside remaining; Near 52-week high (4.2% away).

Is COFS overvalued or undervalued?

ChoiceOne Financial Services, I trades at a P/E of 8.0 (forward 9.2). TrendMatrix value score: 7.3/10. Verdict: Hold.

What do analysts say about COFS?

9 analysts cover COFS with a consensus score of 4.0/5. Average price target: $34.

What does ChoiceOne Financial Services, I do?ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various...

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 services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

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