ChoiceOne Financial Services, Inc. (COFS) is a Banks - Regional company in the Financial Services sector, currently trading at $30.37. It has a SharesGrow Score of 64/100, indicating a above average investment profile with 3 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of COFS = $76.56 (+152.1% from the current price, the stock appears undervalued). Analyst consensus target is COFS = $36 (+18.5% upside).
Valuation: COFS trades at a trailing Price-to-Earnings (P/E) of 15.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 3.26.
Financials: revenue is $193M, +29.5%/yr average growth. Net income is $28M, growing at +7%/yr. Net profit margin is 14.6% (healthy). Gross margin is 58.2% (-32.8 pp trend).
Balance sheet: total debt is $316M against $465M equity (Debt-to-Equity (D/E) ratio 0.68, moderate). Current ratio is 2.61 (strong liquidity). Debt-to-assets is 7.2%. Total assets: $4.4B.
Analyst outlook: 2 / 3 analysts rate COFS as buy (67%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 49/100 (Partial), Growth 83/100 (Pass), Past 100/100 (Pass), Health 50/100 (Partial), Moat 43/100 (Fail), Future 67/100 (Pass), Income 55/100 (Partial).
