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COFS

ChoiceOne Financial ServicesC
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The post-print bull case is that Q1 confirmed stable core earnings power after the Fentura merger: EPS was $0.91, margin improved sequentially, deposit growth was solid, credit costs were minimal, and capital remained strong enough to fund buybacks. A trusted secondary source also indicated DA Davidson maintained Buy and raised its target to $34 on April 27, 2026, which supports the idea that the quarter was received as broadly constructive rather than thesis-breaking.
Posture
Mixed
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-10-28.
What can break
Core loans declined by $30.9 million annualized in Q1 2026, so loan growth needs to catch up with deposit momentum.
Momentum
72
Value
48
Sentiment
50
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $32.00 · Bull $34.33 · Bear $27.50Analysis 2026-04-29; returns require an exact persisted reference.
Earnings
2026-10-28
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $37.00
Why
Momentum72 · Δ7d +11.6
Value48 · Δ7d -0.3
Sentiment50 · Δ7d -3.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Next scheduled catalyst: earnings 2026-10-28.
  • • Value remains the lead driver in the composite, 7D delta -0.3.

Contradictions & invalidation

  • • Core loans declined by $30.9 million annualized in Q1 2026, so loan growth needs to catch up with deposit momentum.
  • • Low analyst coverage and limited post-print revision breadth reduce confidence in fair-value triangulation.
  • • The bear case is that revenue still came in slightly light versus consensus, core loans shrank in the quarter, nonperforming loans ticked up to 1.01% from 0.98%, and some noninterest income was pressured by lower interchange, lower gain-on-sale activity, and securities-sale losses.

Catalyst clock

2026-10-28

Q1 2026 print showed resilient earnings, firmer margin, and deposit growth

Lead driver: Value · See fundamentals
Momentum
72
8% active weight
Current posture
7d trendImproving
Δ7d
+11.6
Δ21d
+10.2
Value
48
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.8
Sentiment
50
45% active weight
Current posture
7d trendSoftening
Δ7d
-3.3
Δ21d
-9.9
Why this grade

Composite grade C. Momentum 72.2 / Value 47.9 / Sentiment 50.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-04-29. Scenario method

B+
Bull case
30%
Probability
Target price
$34.33
Analysis reference price unavailable
Analysis 2026-04-29 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$32.00
Analysis reference price unavailable
Analysis 2026-04-29 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$27.50
Analysis reference price unavailable
Analysis 2026-04-29 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$512.38M
Beta
0.60
Shares Out
14.96M
P/E (TTM)
21.5
P/S (TTM)
3.07
P/FCF (TTM)
19.59
Rev YoY
-2.3%
EPS YoY
-8.0%
Gross Margin
-
Op Margin
+27.9%
Net Debt
$228.46M
Current Ratio
0.08
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data