CHOICEONE FINANCIAL (COFS) Stock: Buy, Sell, or Hold?
$36.67
-0.07 (-0.19%)
▼
5d:
-2.5%
30d:
+12.87%
90d:
+6.48%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (25%)
Quality Score
34/100
Position
EXTENDED
30-Day Fair Range
$32.75 – $36.13
Position: EXTENDED
Forward P/E & Valuation
9.6x
FAIR
vs 8.6x historical avg
Wall Street Target
$39.67
+8.2% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$34.78 / $38.89
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: COFS shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.72
Based on 2.7% avg growth
INTRINSIC VALUE TODAY
$23.42
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: COFS is currently trading at $36.67, which is considered extended relative to its 30-day fair value range of $32.75 to $36.13. From a valuation perspective, the stock is trading at a premium (Forward PE: 9.6) compared to its historical average (8.6). At these levels, the market is pricing in 3.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, COFS is in a uptrend. Immediate support is located at $34.77, while resistance sits at $38.89.
Market Sentiment: COFS scores 5/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, COFS is in a uptrend. Immediate support is located at $34.77, while resistance sits at $38.89.
Market Sentiment: COFS scores 5/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$32.75 -
$36.13
Company Quality Score
34/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
24.8%
Trading Range & Key Levels
30-Day Trading Range
$32.75 -
$36.13
Current vs Trading Range
EXTENDED
Support Level
$34.78
Resistance Level
$38.89
Current Trend
Uptrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (5/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($39.67)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
- WARNING: Composite score 34/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
9.55
Wall Street Target
$39.67
(+8.2%)
Revenue Growth (YoY)
-0.6%
Profit Margin
32.2%
Valuation Premium vs History
+3.6% premium
PE vs Historical
9.6 vs 8.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$37.99
(+4%)
2-Year Target
$39.36
(+7%)
3-Year Target
$40.77
(+11%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$36.72
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 1.4%)
$79.53
(+117%)
Base:
(SPY PE: 9.5, Growth: 1.4%)
$38.24
(+4%)
Bear:
(PE: 8.1, Growth: 1.4%)
$32.50
(-11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.01 | Current EPS (TTM): $3.67
Bull Case
$42.29
(+15%)
Analyst growth 4.6%, PE expands to 11.0
Base Case
$38.44
(+5%)
Market implied 4.6%, PE stable at 10.0
Bear Case
$24.98
(-32%)
Severe decline -20.0%, PE contracts to 8.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (COFS)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 30, 2026
Daily AI digest
AI Retail Discussion Summary:
ChoiceOne Financial Services (COFS) reported Q3 earnings of $1.05 per share, beating estimates by $0.12. Revenues of $45.19M also surpassed expectations. The stock has gained 18.6% YTD.
Key Retail Themes:
beating earnings and revenue estimates
positive stock performance
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 3:17 AM ET
Data refreshes hourly during market hours. Next update: 4:17 AM
Data refreshes hourly during market hours. Next update: 4:17 AM
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Technical Signals Check
Is COFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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