Intrinsiqq
ChoiceOne Financial Services Inc. logo

ChoiceOne Financial Services Inc. Quality Score

COFS

⊜ Compare
Quality70

Growth remains strong (avg 100/100), but business quality is pulling the composite down (avg 40/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
100/100
9.1x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.16x

1.2x book, reasonable for a financial

Revenue Growth
100/100
28.0%

Above 10% CAGR, strong compounder

Book Value Growth
100/100
12.8%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
0/100
99.4%

Heavy dilution above 5%

Return on Equity
80/100
11.3%

10–15%, healthy ROE

Capital Adequacy
80/100
10.8%

10.8% equity/assets, comfortable cushion

Margin Trend
0/100
-3.7pp

Net margin compressed >2pp, profitability pressure

ChoiceOne Financial Services (COFS) quality: score, margins and returns

ChoiceOne Financial Services (COFS) scores 70/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is ChoiceOne Financial Services (COFS) a high-quality business?+

ChoiceOne Financial Services scores 70 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does ChoiceOne Financial Services's quality score measure?+

Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from COFS's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where ChoiceOne Financial Services scores well and where it falls behind.

How profitable is ChoiceOne Financial Services?+

ChoiceOne Financial Services runs a net margin of about 22.9%. Revenue has grown at roughly 33.8% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 11 Aug 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

Peers

State Commercial Banks · Pick stocks to compare with COFS

CompareIntrinsic value
WASHWashington Trust Bancorp Inc.
$40.28+2.78%46
ACNBACNB Corp.
$67.51+2.03%71
FMNBFarmers National Banc Corp.
$15.84+1.86%67
LNKBLINKBANCORP, Inc.
No recent price54
WTFCWintrust Financial Corporation
$156.12+0.48%79
UVSPUnivest Financial Corporation
$41.49+0.61%83
CFFIC&F Financial Corporation
$112.23+1.13%71
BOHBank of Hawaii Corporation
$71.20+1.38%63

Held by ETFs

COFS is in 19 US ETFs. The largest of them, with COFS's weight in each:

Spot a number that looks wrong? Check it in COFS's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

2 of 2 free stocks used today

Keep analysing COFS

Create a free account and get 14 days of Premium: every stock and every tool.

  • Unlimited stocks
  • Stock screener
  • Portfolio tracker
  • Editable DCF
  • Compare side by side
  • Unlimited alerts

No card. Moves to Free after, unless you upgrade.

Already have an account?

Or come back tomorrow. Stocks on your watchlist are always free to view.

SectorsPrivacyTerms© 2026 Intrinsiqq

Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.