ChoiceOne Financial Services Inc. Common Stock (COFS)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

ChoiceOne is a traditional regional bank in Michigan: deposits, commercial and consumer loans, mortgage banking. That is a commodity business, so the moat is mostly local relationships and cost discipline, not a wide franchise. On the numbers available, I see a bank priced modestly: at the 2026-10-13 close of $32.49, FairStock calculates P/E 8.85, P/B 1.01, ROE 11.97%, dividend yield 3.57%, and beta 0.64. A double-digit return on equity near book value is the kind of unspectacular but acceptable profile Graham liked, provided the book is real and credit is sound. The Lynch category says STALWART, with profit growing 12.5% a year over five years, and FairStock PEG is 0.04, though such growth figures can be distorted. Filed figures give me pause: fiscal Q2 2026, ended 2026-06-30, had net income of $12.5M and diluted EPS of $0.83, compared with fiscal Q2 2025 net income of $13.5M and diluted EPS of $0.90. For FY2025, net income was $28.2M and diluted EPS $2.01, while FY2024 net income was $26.7M and diluted EPS $3.25. So net income rose slightly but EPS fell sharply, which suggests dilution or inconsistent reporting. The Piotroski F-Score of 4/9 is middling. I cannot assess CET1, net interest margin, nonperforming loans, charge-offs, or combined ratio from this data; for a bank those are more important than a headline P/E. This looks like a fair-value regional bank with income support, but not a sure thing.

In plain English: ChoiceOne Financial is a Michigan bank holding company that takes deposits and makes consumer and business loans. It earns a reasonable profit, pays a solid dividend, and the stock trades near its accounting book value, so the price looks fair rather than obviously cheap or expensive. Recent filed earnings were a bit lower than a year earlier, so the main question is whether that was a temporary dip or the start of a weaker trend.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer