Choiceone Financial Services Stock Buy Hold or Sell Recommendation
| COFS Stock | USD 36.71 0.04 0.11% |
Given the investment horizon of 90 days and your above-average risk tolerance, our recommendation regarding ChoiceOne Financial Services is 'Strong Buy'. A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell ChoiceOne Financial Services given historical horizon and risk tolerance towards ChoiceOne Financial. When Macroaxis issues a 'buy' or 'sell' recommendation for ChoiceOne Financial Services, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out ChoiceOne Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as ChoiceOne and provide practical buy, sell, or hold advice based on investors' constraints. ChoiceOne Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
ChoiceOne |
Execute ChoiceOne Financial Buy or Sell Advice
The ChoiceOne recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on ChoiceOne Financial Services. Macroaxis does not own or have any residual interests in ChoiceOne Financial Services or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute ChoiceOne Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Buy
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
ChoiceOne Financial Trading Alerts and Improvement Suggestions
| On 30th of September 2024 ChoiceOne Financial paid $ 0.27 per share dividend to its current shareholders |
ChoiceOne Financial Returns Distribution Density
The distribution of ChoiceOne Financial's historical returns is an attempt to chart the uncertainty of ChoiceOne Financial's future price movements. The chart of the probability distribution of ChoiceOne Financial daily returns describes the distribution of returns around its average expected value. We use ChoiceOne Financial Services price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of ChoiceOne Financial returns is essential to provide solid investment advice for ChoiceOne Financial.
| Mean Return | 0.45 | Value At Risk | -2.01 | Potential Upside | 4.90 | Standard Deviation | 2.11 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of ChoiceOne Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
ChoiceOne Stock Institutional Investors
The ChoiceOne Financial's institutional investors refer to entities that pool money to purchase ChoiceOne Financial's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Bridgeway Capital Management, Llc | 2024-09-30 | 55.6 K | Shakespeare Wealth Management, Inc. | 2024-06-30 | 39.5 K | Hpm Partners Llc | 2024-06-30 | 36.8 K | Segall Bryant & Hamill | 2024-09-30 | 35.4 K | Amvescap Plc. | 2024-06-30 | 29.9 K | Renaissance Technologies Corp | 2024-09-30 | 28.9 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 26.6 K | Empowered Funds, Llc | 2024-06-30 | 25.7 K | Hbw Advisory Services Llc | 2024-09-30 | 24.8 K | Vanguard Group Inc | 2024-09-30 | 401.7 K | Blackrock Inc | 2024-06-30 | 399.5 K |
ChoiceOne Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Change In Cash | 39.9M | 20.0M | (47.6M) | 12.1M | 11.5M | 12.1M | |
| Free Cash Flow | 8.4M | 6.6M | 34.9M | 43.9M | 42.2M | 44.4M | |
| Depreciation | 3.1M | 7.7M | 12.4M | 13.3M | 12.4M | 13.1M | |
| Other Non Cash Items | (2.4M) | (8.8M) | 1.2M | 5.1M | (1.2M) | (1.1M) | |
| Dividends Paid | 5.8M | 6.2M | 7.2M | 7.6M | 7.9M | 8.3M | |
| Capital Expenditures | 766K | 1.9M | 2.8M | 1.2M | 4.2M | 4.4M | |
| Net Income | 7.2M | 15.6M | 22.0M | 23.6M | 21.3M | 22.3M | |
| End Period Cash Flow | 59.6M | 79.5M | 31.9M | 43.9M | 55.4M | 58.2M | |
| Investments | 16.5M | (284.5M) | (508.6M) | (88.3M) | (181.4M) | (172.3M) | |
| Net Borrowings | (22.2M) | 5.0M | (23.9M) | 73.2M | 84.2M | 88.4M | |
| Change To Netincome | (1.9M) | (7.6M) | 3.4M | 4.7M | 5.4M | 5.6M |
ChoiceOne Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to ChoiceOne Financial or Banks sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that ChoiceOne Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a ChoiceOne stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.26 | |
β | Beta against Dow Jones | 1.49 | |
σ | Overall volatility | 2.06 | |
Ir | Information ratio | 0.15 |
ChoiceOne Financial Volatility Alert
ChoiceOne Financial Services has relatively low volatility with skewness of 2.18 and kurtosis of 6.68. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure ChoiceOne Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact ChoiceOne Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.ChoiceOne Financial Fundamentals Vs Peers
Comparing ChoiceOne Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze ChoiceOne Financial's direct or indirect competition across all of the common fundamentals between ChoiceOne Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as ChoiceOne Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of ChoiceOne Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing ChoiceOne Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare ChoiceOne Financial to competition |
| Fundamentals | ChoiceOne Financial | Peer Average |
| Return On Equity | 0.12 | -0.31 |
| Return On Asset | 0.0094 | -0.14 |
| Profit Margin | 0.28 % | (1.27) % |
| Operating Margin | 0.43 % | (5.51) % |
| Current Valuation | 424.54 M | 16.62 B |
| Shares Outstanding | 8.96 M | 571.82 M |
| Shares Owned By Insiders | 7.27 % | 10.09 % |
| Shares Owned By Institutions | 33.80 % | 39.21 % |
| Number Of Shares Shorted | 265.95 K | 4.71 M |
| Price To Earning | 9.13 X | 28.72 X |
| Price To Book | 1.33 X | 9.51 X |
| Price To Sales | 3.75 X | 11.42 X |
| Revenue | 80.64 M | 9.43 B |
| Gross Profit | 81.14 M | 27.38 B |
| EBITDA | 38 M | 3.9 B |
| Net Income | 21.26 M | 570.98 M |
| Cash And Equivalents | 51.49 M | 2.7 B |
| Cash Per Share | 6.86 X | 5.01 X |
| Total Debt | 235.51 M | 5.32 B |
| Debt To Equity | 6.37 % | 48.70 % |
| Book Value Per Share | 27.65 X | 1.93 K |
| Cash Flow From Operations | 46.48 M | 971.22 M |
| Short Ratio | 7.89 X | 4.00 X |
| Earnings Per Share | 3.16 X | 3.12 X |
| Target Price | 37.0 | |
| Number Of Employees | 371 | 18.84 K |
| Beta | 0.63 | -0.15 |
| Market Capitalization | 329.19 M | 19.03 B |
| Total Asset | 2.58 B | 29.47 B |
| Retained Earnings | 73.7 M | 9.33 B |
| Annual Yield | 0.03 % | |
| Five Year Return | 3.09 % | |
| Net Asset | 2.58 B |
Note: Acquisition by Page Roxanne M of 170 shares of ChoiceOne Financial at 29.3 subject to Rule 16b-3 [view details]
ChoiceOne Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as ChoiceOne . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About ChoiceOne Financial Buy or Sell Advice
When is the right time to buy or sell ChoiceOne Financial Services? Buying financial instruments such as ChoiceOne Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Additional Tools for ChoiceOne Stock Analysis
When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.