CHOICEONE FINANCIAL (COFS) Stock: Buy, Sell, or Hold?
COFS - CHOICEONE FINANCIAL
$34.13
0.97 (2.93%)
▲
5d:
+3.68%
30d:
+5.21%
90d:
+4.31%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 23, 2026
0d
Get Alerted When COFS Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
📊 MIXED SIGNALS: COFS shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: COFS shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$36.24
Based on 2.8% avg growth
INTRINSIC VALUE TODAY
$22.50
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 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: COFS is currently trading at $34.13, which is considered extended relative to its 30-day fair value range of $32.57 to $33.49. The stock's valuation (Forward PE: 9.2) is in line with its historical norms (8.5). At these levels, the market is pricing in 2.4% annual earnings growth.
Technical Outlook: Technically, COFS is showing sideways momentum. The price is approaching resistance at $34.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, COFS is showing sideways momentum. The price is approaching resistance at $34.40. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$32.57 -
$33.49
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.5%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (53/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.00)
- BULLISH: Expecting earnings turnaround to 2.4% growth with -2.6% revenue growth
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$32.57 -
$33.49
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$31.91
Resistance Level
$34.40
Current Trend
Sideways
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.17
Wall Street Target
$37.00
(+8.4%)
Revenue Growth (YoY)
-2.6%
Earnings Growth (YoY)
-7.8%
Profit Margin
32.2%
Valuation Premium vs History
+2.4% premium
PE vs Historical
9.2 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.4%
(market-implied from PE analysis)
1-Year Target
$34.95
(+2%)
2-Year Target
$35.79
(+5%)
3-Year Target
$36.65
(+7%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
PE COMPRESSION
$33.98
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 1.5%)
$77.42
(+127%)
Base:
(SPY PE: 9.2, Growth: 1.5%)
$35.74
(+5%)
Bear:
(PE: 7.8, Growth: 1.5%)
$30.37
(-11%)
📈
Valuation based on Current Earnings
Trailing PE: 9.11 | Current EPS (TTM): $3.64
Bull Case
$37.31
(+9%)
Analyst growth 2.3%, PE expands to 10.0
Base Case
$33.92
(-1%)
Market implied 2.3%, PE stable at 9.1
Bear Case
$22.55
(-34%)
Severe decline -20.0%, PE contracts to 7.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 23, 2026 12:46 AM ET
Data refreshes hourly during market hours. Next update: 1:46 AM
Data refreshes hourly during market hours. Next update: 1:46 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is COFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
FITB
Fifth Third Bancorp |
STRONG BUY
22 analysts |
$62 | 67 BUY |
|
PNC
PNC Financial Services G… |
BUY
23 analysts |
$266 | 68 BUY |
|
NU
Nu Holdings Ltd |
STRONG BUY
22 analysts |
$19 | 48 HOLD |
|
EWBC
East West Bancorp Inc |
STRONG BUY
16 analysts |
$148 | 59 HOLD |
|
TFC
Truist Financial Corp |
HOLD
22 analysts |
$54 | 71 BUY |
