Stock Ratings / Financials / COFS / dividends

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ChoiceOne Financial Services Inc. (COFS) Dividend Safety Gauge & 10-Year DRIP Compounder

$35.00 +1.72% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $35.04

ChoiceOne Financial Services Inc. (COFS) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $523.4M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on COFS Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is COFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-01, ChoiceOne Financial Services Inc. (NASDAQ: COFS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $35.00 (+1.72% 1D, market cap $523.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, COFS ranks #292 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does COFS compare to OBT and WTBA in the Financials sector?

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Within the Financials sector (Major Banks), COFS carries a Roarable C+ (66/100 RQD), trailing P/E of 18.6x, gross margin of —, and ROIC of 6.1%. By comparison, OBT (Orange County Bancorp Inc.) holds a C+ grade (68/100 RQD, P/E 12.4x, ROIC 14.6%, cap $517.3M) and WTBA (West Bancorporation) posts a C grade (63/100 RQD, P/E 15.7x, ROIC 12.2%, cap $512.0M). Among the 5-stock peer group, OBT leads on earnings multiple (12.4x) while OBT leads on capital efficiency (14.6% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for COFS?

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Per COFS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000803164), ChoiceOne Financial Services Inc. generated $227.6M in revenue (+63.6% YoY), $28.2M in net income, and $25.2M in free cash flow against $4.41B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $35.04 (+0.12%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 11.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for COFS)Realized 20D OHLCV Swing Band: ±5.2%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY COFS SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (23% of score)

FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 69.7 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$32.48+1.9% Next Q

Q2 (-2Q)

Grade C$33.10+3.5% Next Q

Q3 (-1Q)

Grade C+$34.26+2.2% Next Q

Current

Grade C+$35.00+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the COFS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 66/100 (C+) score, COFS faces multiple-compression risk if 18.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.40) or 200D SMA ($31.53) invalidates the momentum regime and cuts Target Base ($36.26) toward Bear Floor ($28.28).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $COFS• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “COFS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 66%NO 34%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

5.04% Total Yield

3.24% Cash ($1.13/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

43.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (19.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $59,385

Est. Year-10 Shareholder Yield: $2,993/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.9K

Yr 1

$14.3K

Yr 2

$17.1K

Yr 3

$20.4K

Yr 4

$24.4K

Yr 5

$29.1K

Yr 6

$34.8K

Yr 7

$41.6K

Yr 8

$49.7K

Yr 9

$59.4K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in COFS & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on COFS and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

COFS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.55%▲ ASCENDING CHANNEL

2026-10-30O $35.97H $37.10L $35.00C $35.00VOL 82.0K

RES: $39.72SUP: $32.18SMA50: $33.40SMA200: $31.53

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

COFS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 COFS Butterfly Map → + Track COFS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

11.9%/yr Implied 5Y Growth

vs. +63.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on COFS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for COFS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for COFS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (COFS)

Financials Rank #292 of 1096 ⚔️ OBT vs COFS Full Matrix →

1. Head-to-Head Financials Peer Comparison (COFS vs. OBT, WTBA, CZNC, BSRR)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, ChoiceOne Financial Services Inc. (COFS) ranks #292 by composite RQD confidence (66/100, grade C+) and #693 by equity capitalization ($523.4M). Within this direct 5-issuer industry benchmark cohort, OBT leads on earnings valuation at 12.4x trailing P/E, while OBT leads on capital efficiency and profitability with 14.6% ROIC and — gross margin. OBT currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with COFS at 66/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
COFS ACTIVE ChoiceOne Financial Services Inc.	C+	66/100	18.6x	—	6.1%	+1.72%	$523.4M	Benchmark Subject
OBT Orange County Bancorp Inc.	C+	68/100	12.4x	—	14.6%	+1.26%	$517.3M	/obt-vs-cofs →
WTBA West Bancorporation	C	63/100	15.7x	—	12.2%	-1.38%	$512.0M	/wtba-vs-cofs →
CZNC Citizens & Northern Corp	C+	67/100	21.3x	—	6.9%	+1.20%	$498.9M	/cznc-vs-cofs →
BSRR Sierra Bancorp	C	65/100	13.0x	—	11.6%	+0.21%	$550.2M	/bsrr-vs-cofs →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000803164

In its most recent audited fiscal period (FY2025, filed 2025-12-31), ChoiceOne Financial Services Inc. (COFS) reported GAAP revenue of $227.6M (+63.6% vs. FY2024 revenue of $139.1M , and +99.9% cumulative change since FY2023) , GAAP net income of $28.2M, operating cash flow of $31.8M, and free cash flow of $25.2M (-44.5% YoY). On the balance sheet, COFS closed FY2025 with $4.41B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$227.6M	$28.2M	$31.8M	$25.2M	$4.41B	—
FY2024 (FY)	2024-12-31	$139.1M	$26.7M	$47.1M	$45.4M	$2.72B	—
FY2023 (FY)	2023-12-31	$113.9M	$21.3M	$46.3M	$46.3M	—	—

3. COFS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is COFS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does COFS compare to OBT and WTBA in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for COFS?

Where is COFS trading relative to its 50-day, 200-day, and 52-week technical levels?

COFS last traded at $35.00 (+1.72% on volume of 90,145 shares), positioning the stock +4.79% above its 50-day simple moving average ($33.40) and +11.01% above its 200-day simple moving average ($31.53). Across its 52-week range of $26.63 to $37.10, COFS sits at the 79.9% percentile with a 14-day RSI of 69.7 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.2% ($33.18 to $36.82).

COFS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does COFS pay a dividend and is it safe?

ChoiceOne Financial Services Inc. (COFS) offers a 3.24% cash dividend yield ($1.13 annualized) and 5.04% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

Direct Sub-Reports: COFS RQD Cockpit COFS 12M Forecast COFS Earnings & Move COFS Dividends & DRIP COFS Insiders & 13F COFS Whale Options COFS Profit Sankey COFS News & Why