Choiceone Financial Services Stock Performance
| COFS Stock | USD 29.21 0.05 0.17% |
On a scale of 0 to 100, ChoiceOne Financial holds a performance score of 10. The firm shows a Beta (market volatility) of -0.0822, which signifies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning ChoiceOne Financial are expected to decrease at a much lower rate. During the bear market, ChoiceOne Financial is likely to outperform the market. Please check ChoiceOne Financial's semi variance, and the relationship between the treynor ratio and daily balance of power , to make a quick decision on whether ChoiceOne Financial's price patterns will revert.
Risk-Adjusted Performance
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Compared to the overall equity markets, risk-adjusted returns on investments in ChoiceOne Financial Services are ranked lower than 10 (%) of all global equities and portfolios over the last 90 days. In spite of comparatively weak technical and fundamental indicators, ChoiceOne Financial may actually be approaching a critical reversion point that can send shares even higher in August 2025. ...more
| ChoiceOne Financial dividend paid on 30th of June 2025 | 06/30/2025 |
| Begin Period Cash Flow | 55.4 M | |
| Total Cashflows From Investing Activities | -97.9 M |
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ChoiceOne Financial Relative Risk vs. Return Landscape
If you would invest 2,600 in ChoiceOne Financial Services on April 21, 2025 and sell it today you would earn a total of 321.00 from holding ChoiceOne Financial Services or generate 12.35% return on investment over 90 days. ChoiceOne Financial Services is currently generating 0.1962% in daily expected returns and assumes 1.5094% risk (volatility on return distribution) over the 90 days horizon. In different words, 13% of stocks are less volatile than ChoiceOne, and 97% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
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ChoiceOne Financial Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for ChoiceOne Financial's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as ChoiceOne Financial Services, and traders can use it to determine the average amount a ChoiceOne Financial's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = 0.13
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Estimated Market Risk
| 1.51 actual daily | 13 87% of assets are more volatile |
Expected Return
| 0.2 actual daily | 4 96% of assets have higher returns |
Risk-Adjusted Return
| 0.13 actual daily | 10 90% of assets perform better |
Based on monthly moving average ChoiceOne Financial is performing at about 10% of its full potential. If added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of ChoiceOne Financial by adding it to a well-diversified portfolio.
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.
| Return On Equity | 0.0227 | ||||
| Return On Asset | 0.0021 | ||||
| Profit Margin | 0.08 % | ||||
| Operating Margin | 0.04 % | ||||
| Current Valuation | 464.44 M | ||||
| Shares Outstanding | 14.98 M | ||||
| Price To Earning | 9.13 X | ||||
| Price To Book | 1.02 X | ||||
| Price To Sales | 4.94 X | ||||
| Revenue | 139.1 M | ||||
| EBITDA | 45.42 M | ||||
| Cash And Equivalents | 51.49 M | ||||
| Cash Per Share | 6.86 X | ||||
| Total Debt | 210.75 M | ||||
| Debt To Equity | 6.37 % | ||||
| Book Value Per Share | 28.51 X | ||||
| Cash Flow From Operations | 48.65 M | ||||
| Earnings Per Share | 1.21 X | ||||
| Total Asset | 2.72 B | ||||
| Retained Earnings | 91.41 M | ||||
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.
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan. Choiceone Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 383 people.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 30th of June 2025 ChoiceOne Financial paid $ 0.28 per share dividend to its current shareholders |
- 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.
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.