Stock Ratings / Financials / COFS / financials

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ChoiceOne Financial Services Inc. (COFS) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$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

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 →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How COFS Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$25.2M (11.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $113.9M

FY24

Rev $139.1M

FY25

Rev $227.6M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$227.6M	52%	0%	$28.2M	$25.2M	6.1%
FY 2024	$139.1M	52%	0%	$26.7M	$45.4M	6.1%
FY 2023	$113.9M	52%	0%	$21.3M	$46.3M	6.1%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring COFS)

✓Walkthrough of COFS's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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?

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.

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

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).

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

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.

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

How profitable is ChoiceOne Financial Services Inc. (COFS)?

In FY 2025 (10-K), COFS converted $227.6M of revenue into a 52% gross margin, 0% operating margin, and $25.2M in free cash flow (11.1% FCF margin).

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