ChoiceOne Financial Services Inc (COFS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
ChoiceOne Financial Services Inc stock (COFS) is currently trading at $27.65. ChoiceOne Financial Services Inc PE ratio is 13.68. ChoiceOne Financial Services Inc PS ratio (Price-to-Sales) is 2.82. Analyst consensus price target for COFS is $34.33. WallStSmart rates COFS as Moderate Buy.
- COFS PE ratio analysis and historical PE chart
- COFS PS ratio (Price-to-Sales) history and trend
- COFS intrinsic value — DCF, Graham Number, EPV models
- COFS stock price prediction 2025 2026 2027 2028 2029 2030
- COFS fair value vs current price
- COFS insider transactions and insider buying
- Is COFS undervalued or overvalued?
- ChoiceOne Financial Services Inc financial analysis — revenue, earnings, cash flow
- COFS Piotroski F-Score and Altman Z-Score
- COFS analyst price target and Smart Rating
ChoiceOne Financial Services Inc
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COFS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · ChoiceOne Financial Services Inc (COFS)
COFS trades at a significant discount to its Graham intrinsic value of $62.87, offering a 53% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
ChoiceOne Financial Services Inc (COFS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, revenue growth. Concerns around return on equity. Overall metrics suggest strong investment potential with favorable risk/reward.
ChoiceOne Financial Services Inc (COFS) Key Strengths (4)
Keeps $45 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Revenue surging 79.70% year-over-year
Strong profitability: $19 kept per $100 revenue
Supporting Valuation Data
ChoiceOne Financial Services Inc (COFS) Areas to Watch (5)
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.82x sales
Solid earnings growth at 15.30%
Moderate institutional interest at 40.99%
ChoiceOne Financial Services Inc (COFS) Detailed Analysis Report
Overall Assessment
This company scores 65/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 5.2/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Revenue Growth. Valuation metrics including Price/Book (0.89) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 45.00%, Profit Margin at 19.20%. Growth metrics are encouraging with Revenue Growth at 79.70%.
The Bear Case
The primary concerns are Return on Equity, Market Cap, Price/Sales. Some valuation metrics including Price/Sales (2.82) suggest expensive pricing. Growth concerns include EPS Growth at 15.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.76%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.76% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 79.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
COFS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
COFS's Price-to-Sales ratio of 2.82x trades at a deep discount to its historical average of 9.26x (2th percentile). The current valuation is 82% below its historical high of 15.27x set in Nov 2019, and 9% above its historical low of 2.58x in Jan 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for ChoiceOne Financial Services Inc (COFS) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
ChoiceOne Financial Services Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 147M with 80% growth year-over-year. Profit margins of 19.2% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 80% YoY, reaching 147M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 776.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Free cash flow is -872,000, meaning the company is burning cash. This may be acceptable for high-growth companies investing heavily.
What to Watch Next
Growth sustainability: can ChoiceOne Financial Services Inc maintain 80%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 410.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact ChoiceOne Financial Services Inc.
Bottom Line
ChoiceOne Financial Services Inc offers an attractive blend of growth (80% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About ChoiceOne Financial Services Inc(COFS)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
ChoiceOne Financial Services, Inc. is ChoiceOne Bank's banking holding company providing community banking services to corporations, associations and individuals in Michigan. The company is headquartered in Sparta, Michigan.