ChoiceOne Financial Services, Inc. (COFS) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

ChoiceOne Financial Services, Inc.

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Why is ChoiceOne Financial Services, Inc. ?

High Profitability with a Net Interest Margin of 16.83%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 23.86%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 4 consecutive quarters
PRE-TAX PROFIT(Q) At USD 16.68 MM has Grown at 4,355.36%
NET PROFIT(Q) At USD 13.7 MM has Grown at 315.65%
ROCE(HY) Highest at 1.28%

With ROA of 0.59%, it has a fair valuation with a 0.88 Price to Book Value

Over the past year, while the stock has generated a return of 14.60%, its profits have risen by 65.1%

High Institutional Holdings at 51.72%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 6.51% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to ChoiceOne Financial Services, Inc. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is ChoiceOne Financial Services, Inc. for you?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

ChoiceOne Financial Services, Inc.

14.6%

0.75

28.66%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

29.58%

EBIT Growth (5y)

11.92%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

56.12%

Pledged Shares

Institutional Holding

51.72%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.88

EV to EBIT

13.89

EV to EBITDA

11.35

EV to Capital Employed

0.91

EV to Sales

2.88

PEG Ratio

Dividend Yield

ROCE (Latest)

6.55%

ROE (Latest)

9.78%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Mildly Bearish

Moving Averages

Mildly Bearish (Daily)

KST

Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

25What is working for the Company

PRE-TAX PROFIT(Q)

At USD 16.68 MM has Grown at 4,355.36%

NET PROFIT(Q)

At USD 13.7 MM has Grown at 315.65%

ROCE(HY)

Highest at 1.28%

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

At USD 53.27 MM has Grown at 33.32%

-7What is not working for the Company

GROSS NPA (%)

INTEREST(9M)

At USD 51.27 MM has Grown at 39.4%

ROCE(HY)

Lowest at 1.28%

Here's what is working for ChoiceOne Financial Services, Inc.

Pre-Tax Profit

At USD 16.68 MM has Grown at 4,355.36%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 13.7 MM has Grown at 315.65%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Sales

At USD 53.27 MM has Grown at 33.32%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Here's what is not working for ChoiceOne Financial Services, Inc.

Non Performing Loans (%)

Highest at 0.93% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Interest

At USD 51.27 MM has Grown at 39.4%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)