ChoiceOne Financial Services

COFS · NASDAQ

$33.39+$0.55 (+1.67%)TodayMarket closed ·
Prev close $32.84

COFS analyst rating

BuyConsensus of 2 analysts over the last 12 months. 50% rate it a buy.
  • Strong buy0
  • Buy1
  • Hold1
  • Underperform0
  • Sell0

12-month price target · 5 analysts

Average $36.10 (+8.1% upside)

Low
$30.48
Now
$33.39
High
$39.90

Upgrades and downgrades

The latest rating actions, newest first

COFS analyst upgrades, downgrades and rating actions
FirmDateActionRating
DA DavidsonJul 28, 2026MaintainsBuy
DA DavidsonApr 27, 2026MaintainsBuy
DA DavidsonFeb 3, 2026MaintainsBuy
Hovde GroupJan 7, 2026DowngradeOutperform → Market Perform

The case for and against

Updated Jul 22, 2026

Bull case

ChoiceOne Financial Servs is expected to continue its strong performance in the coming quarters due to its solid expense control and steady-to-up NIM. The bank's focus on its organic opportunity in its footprint and attractive market conditions in Michigan make for a positive outlook on its loan growth and profitability. Additionally, the bank's conservative risk management and potential for share buybacks add even further potential for shareholder value.

Bear case

ChoiceOne Financial Servs is facing challenges with rising net interest margin and a high rate of non-performing assets, especially from acquired loans. The company has a low level of non-performing assets to average loans and continues to focus on acquisitions, but the potential disruption from in-market mergers and acquisition may impact their growth strategy. Its overall financial health and growth potential are uncertain.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.