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COFS

ChoiceOne Financial ServicesC
Nasdaq / Banks
Last Price
At close
2026-06-03
View Chart
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
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -0.2.
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
58
Value
49
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $32.00 · Bull $34.33 · Bear $27.50
Data freshness
Prices
As of 2026-06-03
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-03 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-03
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $34.33
Why
Momentum58 · Δ7d -0.2
Value49 · Δ7d +0.1
Sentiment54 · Δ7d +1.5
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Momentum · See technicals
Momentum
58
34% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.1
Value
49
32% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-0.2
Sentiment
54
33% active weight
Current posture
7d trendImproving
Δ7d
+1.5
Δ21d
+4.5
Why this grade

Composite grade C. Momentum 58.1 / Value 48.9 / Sentiment 53.6

Fundamentals (TTM)
As of 2026-06-01
Market Cap
$464.23M
Beta
0.60
Shares Out
15.02M
P/E (TTM)
21.5
P/S (TTM)
3.07
P/FCF (TTM)
19.59
Rev YoY
+72.6%
EPS YoY
+14.3%
Gross Margin
-
Op Margin
+18.3%
Net Debt
$94.35M
Current Ratio
-
As of 2026-06-03 • Updated nightlySource: Internal modelMethodology