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

Penns Woods Bancorp, Inc.

Community West Bancshares

Princeton Bancorp, Inc.

Virginia National Bankshares Corp.

Colony Bankcorp, Inc.

ChoiceOne Financial Services, Inc.

C&F Financial Corp.

MainStreet Bancshares, Inc.

Ames National Corp.

Codorus Valley Bancorp, Inc.

California BanCorp

Why is ChoiceOne Financial Services, Inc. ?

High Profitability with a Net Interest Margin of 16.83%

Healthy long term growth as Net profit has grown by an annual rate of 23.86%

The company has declared Positive results for the last 5 consecutive quarters

OPERATING CASH FLOW(Y) Highest at USD 57.78 MM
NET SALES(9M) At USD 161.59 MM has Grown at 29.35%
NET PROFIT(HY) At USD 26.17 MM has Grown at 54.23%

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 9.89%, its profits have risen by 65.1%

High Institutional Holdings at 54.73%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 3.01% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you hold?

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, High Return

Absolute

Risk Adjusted

Volatility

ChoiceOne Financial Services, Inc.

9.89%

0.94

28.72%

S&P 500

15.36%

1.17

13.09%

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

16What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 57.78 MM

NET SALES(9M)

At USD 161.59 MM has Grown at 29.35%

NET PROFIT(HY)

At USD 26.17 MM has Grown at 54.23%

ROCE(HY)

Highest at 1.25%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(Q)

Highest at 1.01%

-8What is not working for the Company

GROSS NPA (%)

ROCE(HY)

Lowest at 1.25%

PRE-TAX PROFIT(Q)

Lowest at USD 15.04 MM

NET PROFIT(Q)

Lowest at USD 12.46 MM

EPS(Q)

Lowest at USD 0.83

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

Credit Deposit Ratio

Highest at 1.01% and Grown

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

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

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 161.59 MM has Grown at 29.35%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Operating Cash Flow

Highest at USD 57.78 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

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

Non Performing Loans (%)

Highest at 1.01% 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 (%)

Pre-Tax Profit

Lowest at USD 15.04 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 12.46 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 0.83

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)