GURU.Markets stock price, segment price, and overall market index valuation
The company's share price COFS
ChoiceOne Financial Services is a community bank operating in Michigan. Its stock price reflects the region's economic health, interest rate dynamics, and its conservative, community-focused business model.
Share prices of companies in the market segment - Local banks
ChoiceOne Financial Services is a bank holding company providing a full range of banking services to communities in Michigan through its subsidiary banks. We classify it as part of the "Community Banks" sector. The chart below shows the overall performance of this category of financial institutions.
Broad Market Index - GURU.Markets
ChoiceOne Financial Services is a local bank providing financial services in Michigan. As a vital part of the region's financial system, it is included in our GURU.Markets index. The chart below shows the overall market trend. Compare it with the bank's performance to assess the state of the regional economy.
Change in the price of a company, segment, and market as a whole per day
COFS - Daily change in the company's share price COFS
The daily price change of ChoiceOne, a local bank, reflects the economic health of its Michigan communities. Change_co shows sensitivity to local business activity and interest rates. This metric is important for analyzing volatility in the small community bank sector on System.GURU.Markets.
Daily change in the price of a set of shares in a market segment - Local banks
ChoiceOne Financial Services, Inc. is a large regional bank. This chart shows the average daily volatility of the banking sector. Comparing it with COFS, which focuses on Michigan, helps us understand how much local economic conditions influence its stability.
Daily change in the price of a broad market stock, index - GURU.Markets
ChoiceOne is a local bank operating in the United States. The banking sector is sensitive to interest rate changes and economic conditions. The chart below shows the average volatility for this sector, allowing you to compare ChoiceOne's performance with the overall market.
Dynamics of market capitalization of the company, segment and the market as a whole over 12 months
Annual dynamics of the company's market capitalization COFS
For ChoiceOne Financial Services, a Michigan-based community bank, year-over-year performance reflects the health of the local economy. Its 12-month change in market capitalization demonstrates how successfully the bank lends to local small businesses, rural businesses, and individual clients, demonstrating its deep roots in the communities it serves.
Annual dynamics of market capitalization of the market segment - Local banks
ChoiceOne Financial Services, Inc. is a regional bank focused on serving Michigan. Its growth is fueled by both organic development and acquisitions. The chart below shows how its growth reflects the region's economic health and its integration efforts following recent acquisitions.
Annual dynamics of market capitalization of broad market stocks, index - GURU.Markets
ChoiceOne is a classic regional bank whose stock performance reflects the economic health of the regions where it operates. The bank's trajectory is closely tied to interest rate cycles and the lending activity of local businesses and households, making it a barometer of the local, rather than the global, economy.
Dynamics of market capitalization of the company, segment and the market as a whole for the month
Monthly dynamics of the company's market capitalization COFS
The market capitalization of ChoiceOne, a community bank, reflects the Michigan economy. Monthly fluctuations on the chart depend on lending growth in the region, particularly in agriculture and small businesses, and on overall interest rate dynamics, which impact the banking sector.
Monthly dynamics of market capitalization of the market segment - Local banks
ChoiceOne Financial is a classic community bank deeply rooted in the Michigan economy. It serves the needs of small businesses and residents, playing a key role in community life. The chart below shows the overall performance of the community banking sector, which is a mirror of the health of regional economies.
Monthly dynamics of market capitalization of broad market stocks, index - GURU.Markets
ChoiceOne Financial Services is a small community bank deeply integrated into the Michigan economy. Its performance depends more on the health of local businesses and farmers than on global market storms. The chart shows how the bank's stock compares to overall market performance and assesses its immunity to external factors.
Dynamics of market capitalization of the company, segment and the market as a whole for the week
Weekly dynamics of the company's market capitalization COFS
ChoiceOne Financial Services is a local bank serving rural and suburban areas of Michigan. Its weekly stock price reflects the economic health of these communities, particularly in agriculture and small businesses. The chart below shows how the local economy influences the stock's share price.
Weekly dynamics of market capitalization of the market segment - Local banks
ChoiceOne Financial Services is a representative of the local banking sector, which moves weekly in response to macroeconomic news. Expectations for Federal Reserve interest rates impact all players. The chart shows how the bank's shares compare to the overall trend, reflecting the health of the entire banking system.
Weekly dynamics of market capitalization of stocks of the broad market, index - GURU.Markets
ChoiceOne Financial Services is a small, local bank. Its performance can differ significantly from that of major financial giants. The chart shows how the bank's weekly stock price fluctuates with the broader market. Are they more dependent on the local economy or global trends?
Market capitalization of the company, segment and market as a whole
COFS - Market capitalization of the company COFS
ChoiceOne Financial Services' market cap reflects the economic vibrancy of Michigan's small towns. This local bank's chart shows how investors view its stability and deep connection to the local community, business, and agriculture.
COFS - Share of the company's market capitalization COFS within the market segment - Local banks
ChoiceOne Financial Services is a local bank with a strong market share in rural and suburban areas of Michigan. Its market capitalization reflects its conservative model and deep integration into the communities it serves.
Market capitalization of the market segment - Local banks
ChoiceOne Financial Services is a small local bank. What is the size of the entire regional banking system? The chart below shows its total capitalization. Its dynamics are a barometer of the financial health of small businesses and communities, against which this local player operates.
Market capitalization of all companies included in a broad market index - GURU.Markets
The ChoiceOne Financial Services chart is a financial portrait of rural and suburban Michigan. This small bank's market capitalization reflects the health of local agribusinesses and small businesses. It's a chart that shows how conservative, community-focused banking creates stable value.
Book value capitalization of the company, segment and market as a whole
COFS - Book value capitalization of the company COFS
The book value of ChoiceOne Financial Services, a local bank, is its equity, which serves as a guarantee of safety for depositors and the basis for lending to the local community. The chart below shows how the bank strengthened its financial foundation by supporting the regional economy.
COFS - Share of the company's book capitalization COFS within the market segment - Local banks
ChoiceOne Financial Services is a bank deeply rooted in its communities. Its strength lies in its network of physical branches, which are more than just offices, but hubs of financial life for Michigan residents and businesses. The chart shows the share of local banking infrastructure, measured in real estate, that the organization controls.
Market segment balance sheet capitalization - Local banks
ChoiceOne Financial Services is a community bank. The financial sector, as the chart shows, is capital-intensive. ChoiceOne is a classic player whose model is based on a branch network, which provides it with deep connections to Michigan communities.
Book value of all companies included in the broad market index - GURU.Markets
ChoiceOne's physical foundation is a network of bank branches in Michigan and an IT infrastructure that provides the physical foundation for serving local communities. The chart below shows how this local bank expanded its physical presence.
The ratio of market capitalization to book capitalization of a company, segment, and the market as a whole
Market capitalization to book capitalization ratio - COFS
ChoiceOne, as a traditional local bank, has a market valuation closely tied to its book value. The chart below shows how the market perceived the stability and reliability of this conservative financial institution.
Market to book capitalization ratio in a market segment - Local banks
ChoiceOne Financial Services is a small bank serving communities in Michigan. The chart shows its market capitalization to equity ratio, a key metric for banks and reflects investor confidence in its stability and profitability at the local level.
Market to book capitalization ratio for the market as a whole
ChoiceOne Financial Services is a small community bank in Michigan. Its valuation, like most similar banks, is closely tied to its book value. The metric shown in the chart reflects the bank's deep connection to the local community and economy. Its market capitalization reflects the quality of its assets and depositor confidence.
Debts of the company, segment and market as a whole
COFS - Company debts COFS
ChoiceOne Financial Services is a small community bank in Michigan. This chart reflects its conservative financial strategy. The bank leverages deposits from local residents and businesses to issue loans within the community, maintaining a strong balance sheet and focusing on long-term relationships rather than risky transactions.
Market segment debts - Local banks
ChoiceOne Financial Services is a community bank serving clients in Michigan. Its debt policy reflects a conservative approach to lending and deep integration into local economies. This chart provides an overview of the bank's financial structure and its focus on long-term stability and serving the needs of small businesses and residents in its region.
Market debt in general
Debt to book value of the company, segment and market as a whole
The company's debt to book capitalization ratio COFS
ChoiceOne Financial Services is a bank holding company serving local communities. Like any bank, its balance sheet consists primarily of borrowed funds. This chart shows the capital structure and leverage level. It helps assess the conservativeness of its lending policy and the overall financial stability of this regional financial institution.
Market segment debt to market segment book capitalization - Local banks
ChoiceOne Financial Services is a community bank. This chart shows the average debt burden in the community banking sector. It is an indicator of the financial health of this important part of the banking system and helps assess the conservativeness of ChoiceOne's lending policy and growth strategy.
Debt to book value of all companies in the market
ChoiceOne Financial Services is a local bank serving small and medium-sized businesses. The health of its borrowers is directly reflected in its balance sheet. This chart, illustrating the overall debt burden in the economy, serves as a leading indicator for investors. It highlights potential risks and opportunities for growth in the bank's loan portfolio in its region.
P/E of the company, segment and market as a whole
P/E - COFS
ChoiceOne Financial Services is a community bank serving small towns and rural areas in Michigan. This chart shows how investors value the traditional banking business, which focuses on the local economy. The performance is influenced by the health of agriculture and small businesses in the region, as well as competition from larger banks.
P/E of the market segment - Local banks
ChoiceOne Financial Services is the holding company for ChoiceOne Bank, a small community bank serving Michigan. The bank emphasizes personalized service and deep local market knowledge. This chart shows the average rating for community banks, providing insight into how the market views traditional community banking models.
P/E of the market as a whole
ChoiceOne Financial Services is a local bank operating in Michigan. Its score is a barometer of economic activity in the state, which is closely tied to the auto industry and agriculture. This chart shows the overall picture, but ChoiceOne is more interested in the health of the Big Three automakers and the health of farmers in its local markets.
Future P/E of the company, segment and market as a whole
Future (projected) P/E of the company COFS
ChoiceOne Financial Services is a community bank serving clients in Michigan. This chart reflects expectations for the local economic environment. The bank's rating depends on forecasts for small business and personal lending growth, as well as the stability of the local real estate market, which directly impacts the quality of its assets.
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Future (projected) P/E of the market segment - Local banks
ChoiceOne Financial Services is a small community bank operating in Michigan. Its success is directly tied to the economic health of the local communities it serves. This chart compares expectations for this local bank with the broader financial sector, providing insight into how investors view its regional prospects.
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Future (projected) P/E of the market as a whole
ChoiceOne Financial Services is a small bank serving communities in Michigan. Its health is directly tied to the regional economic situation. This general market expectation sets the tone for interest rates and influences business and consumer activity, which is reflected in the bank's loan portfolio and profitability.
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Profit of the company, segment and market as a whole
Company profit COFS
ChoiceOne Financial Services is the holding company for ChoiceOne Bank, which serves communities in Michigan. Like a traditional community bank, its profits depend on its interest margin—the difference between loan income and deposit expenses. This graph reflects the health of the local economy and the efficiency of its banking operations.
Profit of companies in the market segment - Local banks
ChoiceOne Financial Services is a typical local bank serving individuals and small businesses in its region. Its metrics, such as loan portfolio growth and profitability, reflect the local economic environment. The chart below compares the bank's performance with the broader local banking landscape, which is influenced by interest rates and the business climate.
Overall market profit
ChoiceOne Financial Services is a typical community bank, deeply integrated into the economy of its region. It finances local businesses and farmers and issues mortgages. The financial health of such banks is an accurate snapshot of the health of the local economy. The combined success of thousands of similar banks creates the overall picture of corporate America, shown in the chart.
Future (predicted) profit of the company, segment and market as a whole
Future (projected) profit of the company COFS
ChoiceOne Financial is a community bank operating in Michigan. This chart reflects expectations for the health of the local economy. The bank's future profitability depends on loan portfolio growth, interest margin management, and the quality of service to local small and medium-sized businesses.
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Future (predicted) profit of companies in the market segment - Local banks
ChoiceOne Financial Services is a bank holding company providing services in Michigan. This chart shows general profitability expectations for the small community bank sector. It allows one to assess how the local economic environment and competition affect the bank's growth and stability in the context of overall trends in this financial market segment.
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Future (predicted) profit of the market as a whole
This chart shows expectations for a small community bank. ChoiceOne Financial Services' profit outlook depends on the health of the local economy in Michigan. Loan portfolio growth, particularly in the commercial and agricultural real estate segments, and interest margin management determine financial results.
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P/S of the company, segment and market as a whole
P/S - COFS
ChoiceOne Financial is a small community bank deeply integrated into its local economy. This chart shows how investors assess its ability to generate interest income and fees in its region. The multiple reflects the health of the local business and trust in the bank's management.
P/S market segment - Local banks
ChoiceOne Financial Services is a financial holding company that operates a community bank in Michigan. Its primary revenue source is interest income from lending to local businesses and individuals. This chart shows the average valuation for local banks, helping investors understand how the market views the effectiveness and sustainability of ChoiceOne's revenue model in their region.
P/S of the market as a whole
ChoiceOne Financial Services is a small community bank providing financial services to local residents and businesses. Its revenue is generated through interest income from loans and fees. This chart shows the average price-to-revenue ratio across the market. For ChoiceOne, it allows it to assess how investors view the traditional and conservative community banking model.
Future P/S of the company, segment and market as a whole
Future (projected) P/S of the company COFS
ChoiceOne Financial Services is a small community bank operating in Michigan. Its future revenue depends on the economic health of the local community and the demand for loans from small businesses and individuals. This chart shows how investors assess the bank's growth prospects in its local region, taking into account interest rate dynamics.
%20P%2FS%20COFS&width=1500&height=450&colorIndex=47&filename=GURU_Markets_-_The-graph-of-the-companys-future-projected-PS-COFS&v=1772532814483 "The graph of the company's future (projected) P/S COFS")
Future (projected) P/S of the market segment - Local banks
ChoiceOne Financial Services is the holding company for ChoiceOne Bank, which serves customers in Michigan. This chart compares the bank's estimated future earnings with those of other local banks. It shows how investors view its stability in the local market and its ability to compete with larger financial institutions.
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Future (projected) P/S of the market as a whole
ChoiceOne Financial Services is a small bank serving communities in Michigan. Its financial performance, like that of other local banks, reflects local economic activity. The stability and growth of such institutions are important for the health of the financial system at the grassroots level, which together form the overall picture shown in this chart.
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Sales of the company, segment and market as a whole
Company sales COFS
ChoiceOne Financial Services is the holding company for ChoiceOne Bank, which serves communities in Michigan. This chart shows its revenue, primarily interest income, and is directly influenced by regional economic activity. Growth is driven by the bank's growing loan portfolio and demand for banking services.
Sales of companies in the market segment - Local banks
ChoiceOne Financial Services is the holding company of ChoiceOne Bank, which provides banking services to residents and businesses in Michigan. Its results reflect the economic health of local communities. This chart shows total sales in the community banking sector, providing an assessment of financial activity in the region ChoiceOne serves.
Overall market sales
ChoiceOne Financial Services is a small bank serving Michigan. Its financial health is directly dependent on the local economic environment. This chart, applicable to the bank's region of operation, reflects the health of small businesses and households, which are its primary clients and determine demand for loans and deposits.
Future sales volume of the company, segment and market as a whole
Future (projected) sales of the company COFS
ChoiceOne Financial Services is a small community bank providing financial services in its local area. Its future revenues are dependent on the local economic climate, demand for loans from small businesses and individuals, and interest rate dynamics. This chart reflects analyst expectations for the economic health of the community the bank serves.
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Future (projected) sales of companies in the market segment - Local banks
ChoiceOne Financial Services is a banking holding company providing services in Michigan. This chart shows projected earnings for the entire regional banking sector. It reflects expectations for regional economic activity, which impacts loan demand from small businesses and individuals, ChoiceOne's core client base.
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Future (projected) sales of the market as a whole
ChoiceOne Financial Services is a small, local bank. Its success is inextricably linked to the economic health of the communities it serves. This chart, showing general macroeconomic trends, provides a backdrop for local business activity. National economic growth typically translates into increased demand for loans and reduced risk locally, which benefits the bank.
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Marginality of the company, segment and market as a whole
Company marginality COFS
ChoiceOne Financial Services operates a community bank, offering services to individuals and businesses. This chart illustrates a key banking metric—net interest margin. It shows how effectively the bank profits from the difference between lending and deposit rates while simultaneously controlling its operating expenses.
Market segment marginality - Local banks
ChoiceOne Financial Services is a small community bank in Michigan. Its strategy is deep community integration. This chart shows how effective this model is compared to other banks. It reflects the bank's ability to maintain profitability despite competing with larger institutions thanks to customer loyalty and cost control.
Market marginality as a whole
ChoiceOne Financial Services is a community bank serving customers in Michigan. Its profitability depends on the health of the local economy, loan portfolio growth, and interest margin management. This overall market profitability chart provides a macroeconomic backdrop against which ChoiceOne's focus on local relationships and personalized service becomes a key competitive advantage.
Employees in the company, segment and market as a whole
Number of employees in the company COFS
ChoiceOne Financial Services is a community bank serving clients in Michigan. This chart shows the size of the team, which builds long-term relationships with the local community. The growth in staff reflects the bank's strategy to expand its presence through organic growth and acquisitions of other smaller banks in the region.
Share of the company's employees COFS within the market segment - Local banks
This chart shows the role ChoiceOne Financial Services plays in its local economy. The bank's share of Michigan's local financial sector reflects its focus on serving communities through its branch network. This team of bankers provides traditional banking services to small businesses and individuals, playing a vital role in the life of small towns.
Number of employees in the market segment - Local banks
ChoiceOne Financial Services is a banking holding company that unites several community banks. This structure allows it to maintain a local identity and high level of service, which is valued by clients. This chart reflects the importance of local financial institutions, which remain major employers and supporters of small businesses in their regions.
Number of employees in the market as a whole
ChoiceOne Financial Services, Inc. is a community bank in Michigan. This employment graph is an indicator of the health of the local economy. Job growth means small businesses are thriving, and residents are confident in taking out mortgages and personal loans, which are the foundation of the bank's business.
Market capitalization per employee (in thousands of dollars) of the company, segment, and market as a whole
Market capitalization per employee (in thousands of dollars) of the company COFS (COFS)
ChoiceOne Financial Services is a community bank serving customers in Michigan. This chart reflects the classic banking model. The moderate capitalization per employee reflects the balance between the bank's capital and the need to maintain staff to handle customer service in branches, which is typical for banks focused on building personal relationships.
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Market capitalization per employee (in thousands of dollars) in the market segment - Local banks
ChoiceOne Financial Services is a community bank. Banking efficiency is often measured by assets per employee, which is reflected in capitalization. This metric helps understand how effectively the bank utilizes its staff to grow and serve its client base in its region.
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Market capitalization per employee (in thousands of dollars) for the overall market
ChoiceOne Financial Services is a financial holding company that owns a local bank. This chart reflects its performance in the local market. The employee rating for such a bank is an indicator of the quality of its loan portfolio, service level, and ability to compete with larger players through deep knowledge of its region.
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Profit per employee (in thousands of dollars) for the company, segment, and market as a whole
Profit per employee (in thousands of dollars) of the company COFS (COFS)
ChoiceOne Financial Services is a small community bank in Michigan. Like other local banks, it relies on lending to local businesses and individuals. This chart is an indicator of the effectiveness of "classic banking." It reflects how successfully the bank manages its interest margins and automates operations to compete with the giants.
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Profit per employee (in thousands of dollars) in the market segment - Local banks
ChoiceOne Financial Services is a local, full-service bank in Michigan. In traditional banking, this metric reflects the quality of asset management and operational efficiency. It shows how much profit each employee generates. It reflects the industry average, serving as a benchmark for assessing how well ChoiceOne competes with other regional banks.
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Profit per employee (in thousands of dollars) for the market as a whole
ChoiceOne Financial Services (COFS) is a small community bank operating in Michigan. In such a business, balancing personal service with efficiency is key. This metric demonstrates how successfully the bank manages its loan portfolio and expenses. An increase in this metric means the bank is growing interest income or fees faster than branch and staff costs.
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Sales to employees of the company, segment and market as a whole
Sales per company employee COFS (COFS)
ChoiceOne Financial Services is a small community bank in Michigan. This chart shows productivity in traditional community banking. Efficiency per employee depends on loan portfolio growth in the communities served and the ability to compete with larger banks through a personalized approach.
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Sales per employee in the market segment - Local banks
ChoiceOne Financial Services is the parent company of ChoiceOne Bank, a local bank in Michigan. This chart shows the average revenue per employee in the segment. It allows investors to see how productive this bank's staff is in generating interest and fee income compared to its local bank competitors.
Sales per employee for the market as a whole
ChoiceOne Financial Services is a small regional bank operating in Michigan. It follows the classic community bank model: accepting deposits from local residents and issuing loans to small businesses and mortgages. This metric reflects how effectively their team of loan officers and branch staff manages their local loan portfolio.
Short shares by company, segment and market as a whole
Shares shorted by company COFS (COFS)
ChoiceOne Financial Services is a small local bank. The bearish sentiment seen in this chart often reflects concerns about risk concentration. Bears may be betting on a downturn in the local economy (Michigan) or that the bank holds too many bonds in its portfolio, which have become weaker due to rising rates (unrealized losses).
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Shares shorted by market segment - Local banks
ChoiceOne Financial Services is a small regional bank in Michigan providing standard banking services to local residents and businesses. This chart shows the overall sentiment towards the sector. It reflects investor pessimism toward small "community" banks, expecting them to struggle with profitability or loan portfolio quality.
Shares shorted by the overall market
ChoiceOne Financial is a classic local bank. Its health depends entirely on economic activity in its region. When this indicator of overall pessimism rises, it signals expectations of a recession. For COFS, this poses a double threat: reduced demand for loans and increased risk of default on the existing portfolio.
RSI 14 indicator for a company, segment, and market as a whole
The company's RSI 14 indicator COFS (COFS)
ChoiceOne Financial Services (COFS) is a regional bank serving clients in Michigan. They offer traditional banking services, focusing on commercial and agricultural lending. This chart measures sentiment. It shows "overbought" (above 70) amid a strong local economy or "oversold" (below 30) due to concerns about interest rate compression.
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RSI 14 Market Segment - Local banks
ChoiceOne (COFS) is a local bank serving communities in Michigan. They provide traditional banking and trust services. This chart shows the overall sentiment in the "Local Banks" sector. It helps investors understand whether COFS's performance reflects the regional economy or whether the overall banking sector is overheated or oversold.
RSI 14 for the overall market
ChoiceOne Financial (COFS), a regional bank. This chart reflects the "temperature" of small businesses and the real estate market in its region. During periods of euphoria, local businesses take out loans for expansion. During periods of panic and economic downturn, the risk of default on these loans increases for the bank.
Analyst consensus forecast for the company's share price, the segment, and the market as a whole
Analyst consensus stock price forecast COFS (COFS)
ChoiceOne Financial (COFS) is a bank holding company that manages ChoiceOne Bank, a full-service community bank in Michigan. This chart displays the average price target. It reflects analysts' assessments of Michigan's local economy, loan portfolio growth, and the bank's interest margin stability.
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The difference between the consensus estimate and the actual stock price COFS (COFS)
ChoiceOne (COFS) is a small regional bank serving Michigan, focusing on small businesses and mortgage lending. This chart shows their local market valuation. It measures the gap between the price and the consensus target, reflecting the potential analysts see for their conservative growth and asset quality in the Michigan market.
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Analyst consensus forecast for stock prices by market segment - Local banks
ChoiceOne is a classic community bank serving small businesses and individuals in Michigan. Its health is entirely dependent on the local economy. This chart shows analysts' overall expectations for the entire community and regional banking sector. It reflects whether experts believe in the stability of small banks or fear the rise of non-performing loans in the regions.
Analysts' consensus forecast for the overall market share price
ChoiceOne Financial Services is a small, local bank serving communities in Michigan. This chart shows overall market sentiment. For ChoiceOne, as a traditional community bank, the analysts' overall optimism is a positive sign of the regional economy's health, promising loan portfolio growth and stability in their core business.
AKIMA index of the company, segment and market as a whole
AKiMA Company Index COFS
ChoiceOne (COFS) is a small community bank focused on serving rural and suburban areas of Michigan. It's classic relationship banking. This chart is a barometer of their local economy. It reflects their net interest margin, loan growth (including agriculture), and the stability of their deposit base.
AKIMA Market Segment Index - Local banks
ChoiceOne (COFS) is a conservative, local bank (headquartered in Michigan) serving small towns and rural communities in Michigan. This composite metric evaluates banks. The chart shows the sector average. This benchmark allows one to evaluate how COFS's traditional local model differentiates it from the average regional bank competitor.
The AKIM Index for the overall market
ChoiceOne Financial is a community bank serving local communities in Michigan, focusing on small businesses and agricultural lending. This chart, showing the market average, provides a macro backdrop. It helps assess how the COFS, which reflects the health of the local economy, compares to the overall macroeconomic picture and rate dynamics.
