Choiceone Financial Services, Inc (NASDAQ: COFS)’s stock price has soared by 0.97% in relation to previous closing price of $29.92. Nevertheless, the company has seen a gain of 3.57% in its stock price over the last five trading days. prnewswire.com reported 2025-05-21 that SPARTA, Mich., May 21, 2025 /PRNewswire/ — ChoiceOne Financial Services, Inc. announced today that its Board of Directors has declared a cash dividend on the Corporation’s common stock of $0.28 per share.
Is It Worth Investing in Choiceone Financial Services, Inc (NASDAQ: COFS) Right Now?
Choiceone Financial Services, Inc (NASDAQ: COFS) has a price-to-earnings ratio of 25.09x that is above its average ratio. Additionally, the 36-month beta value for COFS is 0.59. There are mixed opinions on the stock, with 3 analysts rating it as a “buy”, 0 rating it as “overweight”, 0 rating it as “hold”, and 0 rating it as “sell”.
The public float for COFS is 13.76M and currently, short sellers hold a 0.95% ratio of that float. The average trading volume of COFS on July 04, 2025 was 102.40K shares.
COFS’s Market Performance
COFS’s stock has seen a 3.57% increase for the week, with a 2.97% rise in the past month and a 6.37% gain in the past quarter. The volatility ratio for the week is 2.86%, and the volatility levels for the past 30 days are at 2.83% for Choiceone Financial Services, Inc The simple moving average for the past 20 days is 4.24% for COFS’s stock, with a -4.14% simple moving average for the past 200 days.
Analysts’ Opinion of COFS
Many brokerage firms have already submitted their reports for COFS stocks, with Hovde Group repeating the rating for COFS by listing it as a “Outperform”. The predicted price for COFS in the upcoming period, according to Hovde Group is $35 based on the research report published on March 10, 2025 of the current year 2025.
Janney gave a rating of “Neutral” to COFS, setting the target price at $24 in the report published on September 27th of the previous year.
COFS Trading at 3.87% from the 50-Day Moving Average
After a stumble in the market that brought COFS to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -20.81% of loss for the given period.
Volatility was left at 2.83%, however, over the last 30 days, the volatility rate increased by 2.86%, as shares surge +5.24% for the moving average over the last 20 days. Over the last 50 days, in opposition, the stock is trading +11.76% upper at present.
During the last 5 trading sessions, COFS rose by +3.57%, which changed the moving average for the period of 200-days by +0.73% in comparison to the 20-day moving average, which settled at $28.98. In addition, Choiceone Financial Services, Inc saw 8.28% in overturn over a single year, with a tendency to cut further gains.
Insider Trading
Reports are indicating that there were more than several insider trading activities at COFS starting from Coulter Curt E, who purchase 10 shares at the price of $29.78 back on Mar 14 ’25. After this action, Coulter Curt E now owns 8,851 shares of Choiceone Financial Services, Inc, valued at $298 using the latest closing price.
McGinnis Bradley F., the Director of Choiceone Financial Services, Inc, purchase 1,000 shares at $32.84 during a trade that took place back on Feb 18 ’25, which means that McGinnis Bradley F. is holding 14,301 shares at $32,840 based on the most recent closing price.
Stock Fundamentals for COFS
Current profitability levels for the company are sitting at:
- 0.06% for the present operating margin
- 0.59% for the gross margin
The net margin for Choiceone Financial Services, Inc stands at 0.05%. The total capital return value is set at 0.02%. Equity return is now at value 2.27%, with 0.21% for asset returns.
Based on Choiceone Financial Services, Inc (COFS), the company’s capital structure generated 0.3 points at debt to capital in total, while cash flow to debt ratio is standing at 0.14. The debt to equity ratio resting at 0.43. The interest coverage ratio of the stock is 0.18.
Currently, EBITDA for the company is 45.42 million with net debt to EBITDA at 2.14. When we switch over and look at the enterprise to sales, we see a ratio of 3.29. The liquidity ratio also appears to be rather interesting for investors as it stands at 0.16.
Conclusion
In conclusion, Choiceone Financial Services, Inc (COFS) has seen better performance in recent times. Analysts have a bullish opinion on the stock, with some rating it as a “buy” and others rating it as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
