COFS Stock Analysis: Buy, Sell, or Hold?
COFS - CHOICEONE FINANCIAL
$30.27
-0.19 (-0.62%)
▼
5d:
-3.84%
30d:
+1.54%
90d:
+5.25%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 24, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: COFS shows positive signals but monitor for confirmation. Market pricing in 0.2% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: COFS shows positive signals but monitor for confirmation. Market pricing in 0.2% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$35.18
Based on 3.1% avg growth
INTRINSIC VALUE TODAY
$21.84
Trading above historical range
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 8.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: COFS is currently trading at $30.27, which is considered fair relative to its 30-day fair value range of $29.70 to $30.99. The stock's valuation (Forward PE: 8.2) is in line with its historical norms (8.2). At these levels, the market is pricing in 0.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, COFS is in a uptrend. The price is currently testing key support at $29.89. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $33.67 (+11.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, COFS is in a uptrend. The price is currently testing key support at $29.89. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $33.67 (+11.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$29.70 -
$30.99
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($33.67)
- NEUTRAL: Market pricing in 0.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$29.70 -
$30.99
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$29.89
Resistance Level
$31.83
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.22
Wall Street Target
$33.67
(+11.2%)
Revenue Growth (YoY)
135.0%
Earnings Growth (YoY)
15.3%
Profit Margin
32.6%
Valuation Premium vs History
+0.2% premium
PE vs Historical
8.2 vs 8.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.2%
(market-implied from PE analysis)
1-Year Target
$30.33
(+0%)
2-Year Target
$30.39
(+0%)
3-Year Target
$30.45
(+1%)
3-Yr Target (if PE normalizes)
(PE: 8→8)
PE COMPRESSION
$30.38
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 2.2%)
$86.83
(+187%)
Base:
(SPY PE: 8.2, Growth: 2.2%)
$32.33
(+7%)
Bear:
(PE: 7.0, Growth: 2.2%)
$27.48
(-9%)
📈
Valuation based on Current Earnings
Trailing PE: 7.20 | Current EPS (TTM): $4.23
Bull Case
$29.18
(-4%)
Analyst growth -12.9%, PE expands to 7.9
Base Case
$26.52
(-12%)
Market implied -12.9%, PE stable at 7.2
Bear Case
$20.71
(-32%)
Severe decline -20.0%, PE contracts to 6.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 15, 2026 9:14 PM ET
Data refreshes hourly during market hours. Next update: 10:14 PM
Data refreshes hourly during market hours. Next update: 10:14 PM
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Technical Signals Check
Is COFS showing a specific setup today?
Insider Activity (6 Months)
7
Buys
1
Sells
+
Net
INSIDERS SELLING
Recent Transactions
Adom Greenland
BUY
500 shares
2026-03-12
Eric E Burrough
BUY
5000 shares
2026-03-11
Gregory A Mcconnell
BUY
1050 shares
2026-03-06
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