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COFS

ChoiceOne Financial ServicesD
Nasdaq / Banks
Last Price
At close
2026-07-21
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
Defensive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-23.
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
48
Sentiment
48
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $32.00 · Bull $34.33 · Bear $27.50
Earnings
2026-07-23
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-29 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $34.33
Why
Momentum50 · Δ7d +0.9
Value48 · Δ7d -1.1
Sentiment48 · Δ7d -4.4
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
50
26% active weight
Current posture
7d trendSoftening
Δ7d
+0.9
Δ21d
-1.6
Value
48
39% active weight
Current posture
7d trendSoftening
Δ7d
-1.1
Δ21d
-0.1
Sentiment
48
34% active weight
Current posture
7d trendSoftening
Δ7d
-4.4
Δ21d
-3.9
Why this grade

Composite grade D. Momentum 49.8 / Value 48.3 / Sentiment 47.6

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$517.99M
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 2026-07-21 • Updated nightlySource: Internal modelMethodology