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COFS

ChoiceOne Financial ServicesC
Nasdaq / Banks
Last Price
At close
2026-07-22
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
Value
What changed
Next scheduled catalyst: earnings 2026-07-29.
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
50
Value
49
Sentiment
49
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $32.00 · Bull $34.33 · Bear $27.50
Earnings
2026-07-29
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $34.33
Why
Momentum50 · Δ7d +1.3
Value49 · Δ7d +0.0
Sentiment49 · Δ7d -5.3
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
50
26% active weight
Current posture
7d trendImproving
Δ7d
+1.3
Δ21d
-2.0
Value
49
39% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.8
Sentiment
49
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.3
Δ21d
-3.3
Why this grade

Composite grade C. Momentum 49.8 / Value 49.2 / Sentiment 49.3

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$501.36M
Beta
0.60
Shares Out
14.98M
P/E (TTM)
21.5
P/S (TTM)
3.07
P/FCF (TTM)
19.59
Rev YoY
+31.9%
EPS YoY
-169.9%
Gross Margin
-
Op Margin
+18.3%
Net Debt
$228.46M
Current Ratio
0.08
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology