ChoiceOne Financial Services (COFS) Stock Analysis & Winston Score

ChoiceOne Financial Services is a community bank holding company based in Michigan. It offers everyday banking services like checking and savings accounts, home loans, business loans, and wealth management to individuals and small businesses across western and northern Michigan. It operates primarily under the ChoiceOne Bank brand.

The company makes money mainly through net interest income — the difference between what it earns on loans and what it pays on deposits — as well as fees from banking services. With roughly $2 billion in assets, ChoiceOne is a small regional bank competing against larger national banks and other Michigan-based community lenders. Its competitive edge comes from local relationships and community focus, which can attract customers who prefer personalized service over big-bank alternatives. The main risk the company faces is interest rate sensitivity, since changes in rates directly affect the spread between its lending income and deposit costs, which can squeeze profitability when rates shift unfavorably.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+31.7% YoY

YoY Growth Rate

Strong revenue growth

EPS Growth

+153.5% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

8.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$84M cash & investments at current burn rate

Strong grower

ChoiceOne Financial Services is growing revenue at 32% year-over-year. The Winston Score penalises unprofitable companies, but revenue at this pace tells a different story — this is a company still in "build mode."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

71.9%

Premium pricing power — 71.9% gross margin

Operating Margin

28.2%

Excellent — 28.2% operating margin

ROCE

2.4%

Weak — 2.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+59.6%

Fast-growing sales (59.6% YoY)

EPS YoY

+331.4%

Earnings growing fast (331.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

68%

Modest — 68% of profit becomes cash

FCF Margin

12.7%

Converts sales into free cash efficiently (12.7%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.50

Conservative — low debt load (0.50)

Interest Cover

0.99x

Dangerous — barely covers interest (1.0x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

9.0x

no trend

Attractive valuation — P/E 9.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.1

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

3.50%

no trend

Moderate income — 3.50% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+3.6%

no trend

Dividend growing modestly (3.6% YoY)

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