ChoiceOne Financial Services Net Income
| COFS Stock | USD 29.49 0.07 0.24% |
As of the 12th of February 2026, ChoiceOne Financial shows the Downside Deviation of 1.75, mean deviation of 1.26, and Risk Adjusted Performance of 0.0206. ChoiceOne Financial technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm ChoiceOne Financial coefficient of variation, treynor ratio, as well as the relationship between the Treynor Ratio and semi variance to decide if ChoiceOne Financial is priced correctly, providing market reflects its regular price of 29.49 per share. Given that ChoiceOne Financial has jensen alpha of (0.06), we suggest you to validate ChoiceOne Financial Services's prevailing market performance to make sure the company can sustain itself at a future point.
ChoiceOne Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.6785 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 30.7 M | 32.3 M | |
| Net Income Applicable To Common Shares | 27.2 M | 28.5 M | |
| Net Income From Continuing Ops | 30.7 M | 32.3 M | |
| Net Income Per Share | 2.02 | 1.08 | |
| Net Income Per E B T | 0.82 | 0.63 |
ChoiceOne | Net Income | Build AI portfolio with ChoiceOne Stock |
The evolution of Net Income for ChoiceOne Financial Services provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how ChoiceOne Financial compares to historical norms and industry peers.
Latest ChoiceOne Financial's Net Income Growth Pattern
Below is the plot of the Net Income of ChoiceOne Financial Services over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in ChoiceOne Financial financial statement analysis. It represents the amount of money remaining after all of ChoiceOne Financial Services operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is ChoiceOne Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in ChoiceOne Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 26.73 M | 10 Years Trend |
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Net Income |
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ChoiceOne Net Income Regression Statistics
| Arithmetic Mean | 12,903,282 | |
| Geometric Mean | 9,185,744 | |
| Coefficient Of Variation | 77.43 | |
| Mean Deviation | 9,025,979 | |
| Median | 7,171,000 | |
| Standard Deviation | 9,991,586 | |
| Sample Variance | 99.8T | |
| Range | 28.3M | |
| R-Value | 0.94 | |
| Mean Square Error | 13.2T | |
| R-Squared | 0.88 | |
| Slope | 1,852,271 | |
| Total Sum of Squares | 1597.3T |
ChoiceOne Net Income History
Other Fundumenentals of ChoiceOne Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
ChoiceOne Financial Net Income component correlations
ChoiceOne Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for ChoiceOne Financial is extremely important. It helps to project a fair market value of ChoiceOne Stock properly, considering its historical fundamentals such as Net Income. Since ChoiceOne Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of ChoiceOne Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of ChoiceOne Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will ChoiceOne introduce new products? Factors like these will boost the valuation of ChoiceOne Financial. Projected growth potential of ChoiceOne fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about ChoiceOne Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.157 | Dividend Share 1.13 | Earnings Share 2.01 | Revenue Per Share | Quarterly Revenue Growth 0.797 |
Investors evaluate ChoiceOne Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating ChoiceOne Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause ChoiceOne Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between ChoiceOne Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding ChoiceOne Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, ChoiceOne Financial's market price signifies the transaction level at which participants voluntarily complete trades.
ChoiceOne Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to ChoiceOne Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of ChoiceOne Financial.
| 11/14/2025 |
| 02/12/2026 |
If you would invest 0.00 in ChoiceOne Financial on November 14, 2025 and sell it all today you would earn a total of 0.00 from holding ChoiceOne Financial Services or generate 0.0% return on investment in ChoiceOne Financial over 90 days. ChoiceOne Financial is related to or competes with Peoples Fin, Red River, Peapack Gladstone, Northfield Bancorp, First Business, Bridgewater Bancshares, and Home Bancorp. ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banki... More
ChoiceOne Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure ChoiceOne Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess ChoiceOne Financial Services upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.75 | |||
| Information Ratio | (0.04) | |||
| Maximum Drawdown | 10.14 | |||
| Value At Risk | (2.94) | |||
| Potential Upside | 3.72 |
ChoiceOne Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for ChoiceOne Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as ChoiceOne Financial's standard deviation. In reality, there are many statistical measures that can use ChoiceOne Financial historical prices to predict the future ChoiceOne Financial's volatility.| Risk Adjusted Performance | 0.0206 | |||
| Jensen Alpha | (0.06) | |||
| Total Risk Alpha | (0.19) | |||
| Sortino Ratio | (0.04) | |||
| Treynor Ratio | 0.0269 |
ChoiceOne Financial February 12, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0206 | |||
| Market Risk Adjusted Performance | 0.0369 | |||
| Mean Deviation | 1.26 | |||
| Semi Deviation | 1.69 | |||
| Downside Deviation | 1.75 | |||
| Coefficient Of Variation | 5292.94 | |||
| Standard Deviation | 1.82 | |||
| Variance | 3.3 | |||
| Information Ratio | (0.04) | |||
| Jensen Alpha | (0.06) | |||
| Total Risk Alpha | (0.19) | |||
| Sortino Ratio | (0.04) | |||
| Treynor Ratio | 0.0269 | |||
| Maximum Drawdown | 10.14 | |||
| Value At Risk | (2.94) | |||
| Potential Upside | 3.72 | |||
| Downside Variance | 3.07 | |||
| Semi Variance | 2.86 | |||
| Expected Short fall | (1.38) | |||
| Skewness | 0.1315 | |||
| Kurtosis | 1.53 |
ChoiceOne Financial Backtested Returns
Currently, ChoiceOne Financial Services is very steady. ChoiceOne Financial secures Sharpe Ratio (or Efficiency) of close to zero, which signifies that the company had a close to zero % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for ChoiceOne Financial Services, which you can use to evaluate the volatility of the firm. Please confirm ChoiceOne Financial's Downside Deviation of 1.75, risk adjusted performance of 0.0206, and Mean Deviation of 1.26 to double-check if the risk estimate we provide is consistent with the expected return of 0.0166%. The firm shows a Beta (market volatility) of 0.91, which signifies possible diversification benefits within a given portfolio. ChoiceOne Financial returns are very sensitive to returns on the market. As the market goes up or down, ChoiceOne Financial is expected to follow. ChoiceOne Financial right now shows a risk of 1.9%. Please confirm ChoiceOne Financial semi variance, and the relationship between the treynor ratio and daily balance of power , to decide if ChoiceOne Financial will be following its price patterns.
Auto-correlation | -0.08 |
Very weak reverse predictability
ChoiceOne Financial Services has very weak reverse predictability. Overlapping area represents the amount of predictability between ChoiceOne Financial time series from 14th of November 2025 to 29th of December 2025 and 29th of December 2025 to 12th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of ChoiceOne Financial price movement. The serial correlation of -0.08 indicates that barely 8.0% of current ChoiceOne Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.08 | |
| Spearman Rank Test | 0.08 | |
| Residual Average | 0.0 | |
| Price Variance | 0.55 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
ChoiceOne Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, ChoiceOne Financial Services reported net income of 26.73 M. This is 97.91% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.32% higher than that of the company.
ChoiceOne Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses ChoiceOne Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of ChoiceOne Financial could also be used in its relative valuation, which is a method of valuing ChoiceOne Financial by comparing valuation metrics of similar companies.ChoiceOne Financial is currently under evaluation in net income category among its peers.
ChoiceOne Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, ChoiceOne Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to ChoiceOne Financial's managers, analysts, and investors.Environmental | Governance | Social |
ChoiceOne Financial Institutional Holders
Institutional Holdings refers to the ownership stake in ChoiceOne Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of ChoiceOne Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing ChoiceOne Financial's value.| Shares | Northern Trust Corp | 2025-06-30 | 133 K | American Century Companies Inc | 2025-06-30 | 99.3 K | Dimensional Fund Advisors, Inc. | 2025-06-30 | 95.3 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 83.1 K | Bridgeway Capital Management, Llc | 2025-06-30 | 62.2 K | Jpmorgan Chase & Co | 2025-06-30 | 54 K | Maltese Capital Management Llc | 2025-06-30 | 52 K | Curi Capital, Llc | 2025-06-30 | 51.5 K | Mendon Capital Advisors Corp | 2025-06-30 | 50 K | Fourthstone Llc | 2025-06-30 | 1.1 M | Blackrock Inc | 2025-06-30 | 858.1 K |
ChoiceOne Fundamentals
| Return On Equity | 0.0776 | ||||
| Return On Asset | 0.0079 | ||||
| Profit Margin | 0.19 % | ||||
| Operating Margin | 0.45 % | ||||
| Current Valuation | 667.64 M | ||||
| Shares Outstanding | 15 M | ||||
| Shares Owned By Insiders | 6.23 % | ||||
| Shares Owned By Institutions | 44.05 % | ||||
| Number Of Shares Shorted | 185.19 K | ||||
| Price To Earning | 9.13 X | ||||
| Price To Book | 0.95 X | ||||
| Price To Sales | 3.02 X | ||||
| Revenue | 192.89 M | ||||
| Gross Profit | 146.92 M | ||||
| EBITDA | 34.19 M | ||||
| Net Income | 26.73 M | ||||
| Cash And Equivalents | 51.49 M | ||||
| Cash Per Share | 6.86 X | ||||
| Total Debt | 313.25 M | ||||
| Debt To Equity | 6.37 % | ||||
| Book Value Per Share | 31.02 X | ||||
| Cash Flow From Operations | 48.65 M | ||||
| Short Ratio | 2.28 X | ||||
| Earnings Per Share | 2.01 X | ||||
| Target Price | 33.5 | ||||
| Number Of Employees | 569 | ||||
| Beta | 0.6 | ||||
| Market Capitalization | 443.05 M | ||||
| Total Asset | 4.41 B | ||||
| Retained Earnings | 102.64 M | ||||
| Annual Yield | 0.04 % | ||||
| Five Year Return | 3.09 % | ||||
| Net Asset | 4.41 B | ||||
| Last Dividend Paid | 1.13 |
About ChoiceOne Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze ChoiceOne Financial Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of ChoiceOne Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of ChoiceOne Financial Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis 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.