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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
FRED Regime × Technicals: 80% of 52W Range • RSI-14 at 69.7 (BULLISH MOMENTUM)
Capital intensity & 0% operating margin leave 10 pts on the table
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
ChoiceOne Financial Services Inc. (COFS) advanced +1.72% to $35.00, trading at 80% of its 52-week range ($26.63 – $37.1). Solid steady margins (6% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
ChoiceOne Financial Services (COFS) delivered earnings and revenue surprises of +12.90% and +2.16%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ: COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended September 30, 2026.
ChoiceOne Finl Servs (NASDAQ:COFS) reported quarterly earnings of $0.97 per share which beat the analyst consensus estimate of $0.93 by 4.3 percent. This is unchanged from the same period last year. The company
Bread Financial (BFH) delivered earnings and revenue surprises of +17.79% and +0.32%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +63.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on COFS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for COFS. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why COFS Stock advanced +1.72% Today — RQD Quant Desk Flash. Solid steady margins (6% return on capital), mixed timing at 19x P/E—hold if owned, no rush to chase.
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