ChoiceOne Financial Services, I (COFS) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- —
- Estimate
- $0.93
- Surprise
- —
- Score today
- 5.3/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
Coverage in the report window
- ChoiceOne Finl Servs Q3 EPS $0.97 Beats $0.93 Estimate, Sales $45.190M Beat $44.100M Estimate — benzinga, 2026-10-30
Where TrendMatrix's rating stands now
TrendMatrix currently rates COFS Hold at 5.3/10; no pre/post engine snapshot brackets this report.
2 of the last 4 quarters beat the estimate.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Positive news sentiment (+0.67)
What argues against it
- Concentration risk — Loan Portfolio: commercial and construction real estate loans (59.6%)
- Concentration risk — Product: interest and fees on loans (76.0%)
- Analyst target reached - limited upside remaining
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $35.00
- Stop
- $33.28
At 9.5× trailing and 9.4× forward earnings, consensus estimates imply little change in earnings power.
Risk check: RSI 74 — a level conventionally read as overbought; gains at these levels often lean on momentum.
Model outputs from TrendMatrix’s engine as of 2026-10-30 — shown for context, not personalized investment advice.
COFS at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Banks - Regional
- Market cap
- $523.4M
- P/E (fwd)
- 9.4
- P/E (ttm)
- 9.5
- 52-week range
- $26.63–$35.40
- Off 52-week high
- 1.1%
- RSI (14)
- 74
- Volume vs avg
- 1.02×
- Score today
- 5.3/10