COFS Stock Analysis: Buy, Sell, or Hold?
COFS - CHOICEONE FINANCIAL
$28.69
-0.87 (-2.94%)
▼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Apr 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: COFS shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: COFS shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$30.51
Based on 0.5% avg growth
INTRINSIC VALUE TODAY
$18.95
Trading above fair value
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 $28.69, which is considered fair relative to its 30-day fair value range of $28.26 to $29.65. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (8.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 14.1% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, COFS is showing sideways momentum. The price is currently testing key support at $27.91. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: COFS has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $34.67 (+20.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, COFS is showing sideways momentum. The price is currently testing key support at $27.91. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: COFS has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $34.67 (+20.8%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$28.26 -
$29.65
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 20.8% below Wall St target ($34.67)
Fair Price Analysis
30-Day Fair Range
$28.26 -
$29.65
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$27.92
Resistance Level
$30.13
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
8.18
Wall Street Target
$34.67
(+20.8%)
Revenue Growth (YoY)
80.4%
Earnings Growth (YoY)
14.1%
Profit Margin
16.8%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
8.2 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$28.37
(-1%)
2-Year Target
$28.06
(-2%)
3-Year Target
$27.75
(-3%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$28.83
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: -3.0%)
$71.48
(+149%)
Base:
(SPY PE: 8.2, Growth: -3.0%)
$26.22
(-9%)
Bear:
(PE: 7.0, Growth: -3.0%)
$22.29
(-22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 15.49 | Current EPS (TTM): $1.84
Bull Case
$59.75
(+108%)
Analyst growth 90.6%, PE expands to 17.0
Base Case
$54.32
(+89%)
Market implied 90.6%, PE stable at 15.5
Bear Case
$19.38
(-33%)
Severe decline -20.0%, PE contracts to 13.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.2 to 8.5
Stabilization Target:
$29.81
(+3.9%)
PE Expansion Potential:
+3.9%
Last updated: February 01, 2026 4:44 AM ET
Data refreshes hourly during market hours. Next update: 5:44 AM
Data refreshes hourly during market hours. Next update: 5:44 AM
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Technical Signals Check
Is COFS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced COFS Option Strategies
Professional options setups generated by AI based on today's COFS price and gamma walls.
