Choiceone Financial Services Stock Performance
| COFS Stock | USD 29.28 0.10 0.34% |
The firm shows a Beta (market volatility) of 0.96, which signifies possible diversification benefits within a given portfolio. ChoiceOne Financial returns are very sensitive to returns on the market. As the market goes up or down, ChoiceOne Financial is expected to follow. At this point, ChoiceOne Financial has a negative expected return of -0.29%. Please make sure to confirm ChoiceOne Financial's potential upside, as well as the relationship between the rate of daily change and relative strength index , to decide if ChoiceOne Financial performance from the past will be repeated at some point in the near future.
Risk-Adjusted Performance
Very Weak
Weak | Strong |
Over the last 90 days ChoiceOne Financial Services has generated negative risk-adjusted returns adding no value to investors with long positions. In spite of unsteady performance in the last few months, the Stock's technical and fundamental indicators remain comparatively stable which may send shares a bit higher in April 2025. The newest uproar may also be a sign of mid-term up-swing for the firm private investors. ...more
| ChoiceOne Financial dividend paid on 31st of December 2024 | 12/31/2024 |
| Begin Period Cash Flow | 55.4 M |
ChoiceOne |
ChoiceOne Financial Relative Risk vs. Return Landscape
If you would invest 3,507 in ChoiceOne Financial Services on December 27, 2024 and sell it today you would lose (579.00) from holding ChoiceOne Financial Services or give up 16.51% of portfolio value over 90 days. ChoiceOne Financial Services is currently does not generate positive expected returns and assumes 1.32% risk (volatility on return distribution) over the 90 days horizon. In different words, 11% of stocks are less volatile than ChoiceOne, and 99% of all traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
ChoiceOne Financial Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for ChoiceOne Financial's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as ChoiceOne Financial Services, and traders can use it to determine the average amount a ChoiceOne Financial's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = -0.221
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| Negative Returns | COFS |
Estimated Market Risk
| 1.32 actual daily | 11 89% of assets are more volatile |
Expected Return
| -0.29 actual daily | 0 Most of other assets have higher returns |
Risk-Adjusted Return
| -0.22 actual daily | 0 Most of other assets perform better |
Based on monthly moving average ChoiceOne Financial is not performing at its full potential. However, if added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of ChoiceOne Financial by adding ChoiceOne Financial to a well-diversified portfolio.
ChoiceOne Financial Fundamentals Growth
ChoiceOne Stock prices reflect investors' perceptions of the future prospects and financial health of ChoiceOne Financial, and ChoiceOne Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on ChoiceOne Stock performance.
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0101 | ||||
| Profit Margin | 0.29 % | ||||
| Operating Margin | 0.38 % | ||||
| Current Valuation | 356.81 M | ||||
| Shares Outstanding | 15.04 M | ||||
| Price To Earning | 9.13 X | ||||
| Price To Book | 1.71 X | ||||
| Price To Sales | 4.85 X | ||||
| Revenue | 121.1 M | ||||
| EBITDA | 38 M | ||||
| Cash And Equivalents | 51.49 M | ||||
| Cash Per Share | 6.86 X | ||||
| Total Debt | 210.75 M | ||||
| Debt To Equity | 6.37 % | ||||
| Book Value Per Share | 29.05 X | ||||
| Cash Flow From Operations | 48.65 M | ||||
| Earnings Per Share | 3.25 X | ||||
| Total Asset | 2.72 B | ||||
| Retained Earnings | 91.41 M | ||||
About ChoiceOne Financial Performance
Assessing ChoiceOne Financial's fundamental ratios provides investors with valuable insights into ChoiceOne Financial's financial health and overall profitability. This information is crucial for making informed investment decisions. A high ROA would indicate that the ChoiceOne Financial is effectively leveraging its assets and equity to generate significant profits, making it an appealing investment. Conversely, low Return on Assets could signal underlying management issues in assets and equity, indicating a necessity for operational refinements. Please also refer to our technical analysis and fundamental analysis pages.
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan. Choiceone Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 383 people.Things to note about ChoiceOne Financial performance evaluation
Checking the ongoing alerts about ChoiceOne Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for ChoiceOne Financial help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| ChoiceOne Financial generated a negative expected return over the last 90 days | |
| ChoiceOne Financial has a poor financial position based on the latest SEC disclosures |
- Analyzing ChoiceOne Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether ChoiceOne Financial's stock is overvalued or undervalued compared to its peers.
- Examining ChoiceOne Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating ChoiceOne Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of ChoiceOne Financial's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of ChoiceOne Financial's stock. These opinions can provide insight into ChoiceOne Financial's potential for growth and whether the stock is currently undervalued or overvalued.
Additional Tools for ChoiceOne Stock Analysis
When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.