Choiceone Financial Services Stock Performance

COFS Stock  USD 29.56  1.06  3.72%   
ChoiceOne Financial has a performance score of 3 on a scale of 0 to 100. The firm shows a Beta (market volatility) of 0.9, 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 1.79%. Please confirm ChoiceOne Financial potential upside, as well as the relationship between the rate of daily change and period momentum indicator , to decide if ChoiceOne Financial will be following its price patterns.

Risk-Adjusted Performance

Soft

 
Weak
 
Strong
Compared to the overall equity markets, risk-adjusted returns on investments in ChoiceOne Financial Services are ranked lower than 3 (%) of all global equities and portfolios over the last 90 days. In spite of comparatively stable technical and fundamental indicators, ChoiceOne Financial is not utilizing all of its potentials. The current stock price uproar, may contribute to short-horizon losses for the private investors. ...more

Actual Historical Performance (%)

One Day Return
(2.94)
Five Day Return
(2.15)
Year To Date Return
(0.97)
Ten Year Return
34.57
All Time Return
155.93
Forward Dividend Yield
0.0392
Payout Ratio
0.3165
Last Split Factor
105:100
Forward Dividend Rate
1.16
Dividend Date
2025-12-31
1
How ChoiceOne Financial Services Inc. stock responds to policy changes - Swing Trade Risk Managed Investment Strategies - newser.com
11/14/2025
2
Acquisition by Burrough Eric E of 5000 shares of ChoiceOne Financial at 28.5 subject to Rule 16b-3
11/17/2025
3
Disposition of 120 shares by Bradley Henion of ChoiceOne Financial at 21.13 subject to Rule 16b-3
12/01/2025
4
ChoiceOne Financial Services declares 0.29 dividend
12/04/2025
5
We Wouldnt Be Too Quick To Buy ChoiceOne Financial Services, Inc. Before It Goes Ex-Dividend
12/10/2025
6
Movement as an Input in Quant Signal Sets - news.stocktradersdaily.com
12/19/2025
7
Macrotech Developers Limited Builds Base for Possible Rebound - Stock Price Forecasts Small Budget Portfolio Growth - bollywoodhelpline.com
12/29/2025
 
ChoiceOne Financial dividend paid on 31st of December 2025
12/31/2025
8
Trading Systems Reacting to Volatility - Stock Traders Daily
01/21/2026
9
Michigan seniors can seek 19 ChoiceOne Bank 1,000 scholarships - Stock Titan
01/27/2026
Begin Period Cash Flow55.4 M
Total Cashflows From Investing Activities-97.9 M

ChoiceOne Financial Relative Risk vs. Return Landscape

If you would invest  2,863  in ChoiceOne Financial Services on November 1, 2025 and sell it today you would earn a total of  93.00  from holding ChoiceOne Financial Services or generate 3.25% return on investment over 90 days. ChoiceOne Financial Services is currently generating 0.0681% in daily expected returns and assumes 1.7874% risk (volatility on return distribution) over the 90 days horizon. In different words, 16% of stocks are less volatile than ChoiceOne, and 99% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon.
  Expected Return   
       Risk  
Given the investment horizon of 90 days ChoiceOne Financial is expected to generate 2.4 times more return on investment than the market. However, the company is 2.4 times more volatile than its market benchmark. It trades about 0.04 of its potential returns per unit of risk. The Dow Jones Industrial is currently generating roughly 0.08 per unit of risk.

ChoiceOne Financial Target Price Odds to finish over Current Price

The tendency of ChoiceOne Stock price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
Current PriceHorizonTarget PriceOdds to move above the current price in 90 days
 29.56 90 days 29.56 
about 53.09
Based on a normal probability distribution, the odds of ChoiceOne Financial to move above the current price in 90 days from now is about 53.09 (This ChoiceOne Financial Services probability density function shows the probability of ChoiceOne Stock to fall within a particular range of prices over 90 days) .
Given the investment horizon of 90 days ChoiceOne Financial has a beta of 0.9 suggesting ChoiceOne Financial Services market returns are related to returns on the market. As the market goes up or down, ChoiceOne Financial is expected to follow. Additionally ChoiceOne Financial Services has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the Dow Jones Industrial.
   ChoiceOne Financial Price Density   
       Price  

Predictive Modules for ChoiceOne Financial

There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as ChoiceOne Financial. Regardless of method or technology, however, to accurately forecast the stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.
Hype
Prediction
LowEstimatedHigh
27.7729.5631.35
Details
Intrinsic
Valuation
LowRealHigh
23.2125.0032.52
Details
Naive
Forecast
LowNextHigh
28.7330.5132.30
Details
3 Analysts
Consensus
LowTargetHigh
31.5534.6738.48
Details
Please note, it is not enough to conduct a financial or market analysis of a single entity such as ChoiceOne Financial. Your research has to be compared to or analyzed against ChoiceOne Financial's peers to derive any actionable benefits. When done correctly, ChoiceOne Financial's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in ChoiceOne Financial.

ChoiceOne Financial Risk Indicators

For the most part, the last 10-20 years have been a very volatile time for the stock market. ChoiceOne Financial is not an exception. The market had few large corrections towards the ChoiceOne Financial's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold ChoiceOne Financial Services, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of ChoiceOne Financial within the framework of very fundamental risk indicators.
α
Alpha over Dow Jones
-0.08
β
Beta against Dow Jones0.90
σ
Overall volatility
1.16
Ir
Information ratio -0.05

ChoiceOne Financial Alerts and Suggestions

In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of ChoiceOne Financial for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for ChoiceOne Financial can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.
On 31st of December 2025 ChoiceOne Financial paid $ 0.29 per share dividend to its current shareholders
Latest headline from news.google.com: Michigan seniors can seek 19 ChoiceOne Bank 1,000 scholarships - Stock Titan

ChoiceOne Financial Price Density Drivers

Market volatility will typically increase when nervous long traders begin to feel the short-sellers pressure to drive the market lower. The future price of ChoiceOne Stock often depends not only on the future outlook of the current and potential ChoiceOne Financial's investors but also on the ongoing dynamics between investors with different trading styles. Because the market risk indicators may have small false signals, it is better to identify suitable times to hedge a portfolio using different long/short signals. ChoiceOne Financial's indicators that are reflective of the short sentiment are summarized in the table below.
Common Stock Shares Outstanding8.2 M
Cash And Short Term Investments575.5 M

ChoiceOne Financial Fundamentals Growth

ChoiceOne Stock prices reflect investors' perceptions of the future prospects and financial health of ChoiceOne Financial, and ChoiceOne Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on ChoiceOne Stock performance.

About ChoiceOne Financial Performance

Assessing ChoiceOne Financial's fundamental ratios provides investors with valuable insights into ChoiceOne Financial's financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the ChoiceOne Financial is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.08  0.06 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.09 

Things to note about ChoiceOne Financial performance evaluation

Checking the ongoing alerts about ChoiceOne Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for ChoiceOne Financial help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.
On 31st of December 2025 ChoiceOne Financial paid $ 0.29 per share dividend to its current shareholders
Latest headline from news.google.com: Michigan seniors can seek 19 ChoiceOne Bank 1,000 scholarships - Stock Titan
Evaluating ChoiceOne Financial's performance can involve analyzing a variety of financial metrics and factors. Some of the key considerations to evaluate ChoiceOne Financial's stock performance include:
  • Analyzing ChoiceOne Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
  • Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether ChoiceOne Financial's stock is overvalued or undervalued compared to its peers.
  • Examining ChoiceOne Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
  • Evaluating ChoiceOne Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of ChoiceOne Financial's management team can help you assess the Company's leadership.
  • Pay attention to analyst opinions and ratings of ChoiceOne Financial's stock. These opinions can provide insight into ChoiceOne Financial's potential for growth and whether the stock is currently undervalued or overvalued.
It's essential to remember that evaluating ChoiceOne Financial's stock performance is not an exact science, and many factors can impact ChoiceOne Financial's stock market price. Therefore, it's also important to diversify your portfolio and not rely solely on one company or stock for your investments.

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.