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ChoiceOne Financial Services

NAQ:COFS · US1703861062
BanksX-Small

360

33
Profit price93
Cash yield89
Price/Sales81
EV / Gross Profit55
Price/Book86
Returns on capital70
Profit margins—
Cash Conversion27
Accruals47
Owner Earnings Margin84
Sales growth40
Profit Growth40
Owner Earnings Growth96
Reinvestment65
Price momentum6
Debt load16
Debt serviceability81
Liquidity64
Analyst ratings76
Opinion Changes50
Price Target Upside34
Market mood73
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

ChoiceOne Financial Services generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQCM
Founded1986
Websitechoiceone.com
ISINUS1703861062
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

ChoiceOne Financial Services, Inc. operates as a financial holding company for ChoiceOne Bank (the ‘bank’) that provides various banking products and services. On March 1, 2025, the company completed the merger (the ‘Merger’) of Fentura Financial, I…

Analysis

Deep value

ChoiceOne Financial Services, Inc. lands in the deep-value zone: the price is very low, but so are the business fundamentals.

The price is attractive. You pay 7.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
87
20232026

All-time high

87

Jun 2026

All-time low

70

Mar 2026

Average rank

81

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
—
—
68
Price/Earnings
87
—
—
60
Price/Book
86
—
—
34
Dividend Yield
89
—
—
71
Value (overall)
100
—
—
61

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →