ChoiceOne Financial Services, Inc. (COFS) Stock Score, Valuation & Financial Research
ChoiceOne Financial Services, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 61/100.
Quick answer for COFS
ChoiceOne Financial Services, Inc. currently has a Wall Street Score of 61/100. The stored market price is $33.36. Its financial score is 39/100. Its valuation score is 100/100. The latest WSS change is +0.3 points. These figures are a research snapshot, not a buy or sell recommendation.
What ChoiceOne Financial Services, Inc. does
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds,
COFS financial snapshot
- Wall Street Score:
- 61/100
- Current price:
- $33.36
- Market capitalization:
- $498.7M
- Revenue:
- $182.7M
- Net income:
- $54.7M
- Free cash flow:
- $25.2M
- Cash:
- $88.6M
- Total debt:
- $343.5M
- EPS:
- 3.64
- P/E ratio:
- 9.2x
- Financial score:
- 39/100
- Valuation score:
- 100/100
- Revenue score:
- 47/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $25.2M, showing positive cash generation.
- The balance sheet shows $88.6M of cash versus $343.5M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is +0.3 points: COFS increased 0.3 points because overall fundamentals improved.
What the numbers mean
Its current valuation score is 100/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 39/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-17.
How to research COFS
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.