COFS
ChoiceOne Financial·NASDAQ
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5.96 / 10
Netural
COFS shows mixed fundamentals: a healthy gross profit margin of 36.7% and a robust total-profit-to-EBIT ratio of 100% indicate operational efficiency, yet a significant -28.37% YoY decline in total profit raises concerns. Net assets per share grew by 3.07%, signaling some balance-sheet resilience, but the stock still scores only a cautious 'Netural' on the fundamental scale, reflecting the need for improvement in top-line growth and profit sustainability.
Analysis Checks(7/10)
Net assets per share (growth rate compared to beginning of year %)
Value3.07
Score0/3
Weight3.44%
1M Return2.09%
Value3.07
Score0/3
Weight3.44%
1M Return2.09%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight5.40%
1M Return3.05%
Value100.00
Score1/3
Weight5.40%
1M Return3.05%
Profit-MV
Value0.71
Score2/3
Weight9.97%
1M Return5.27%
Value0.71
Score2/3
Weight9.97%
1M Return5.27%
PB-ROE
Value1.41
Score3/3
Weight13.32%
1M Return6.02%
Value1.41
Score3/3
Weight13.32%
1M Return6.02%
Asset-MV
Value-0.50
Score3/3
Weight23.54%
1M Return10.42%
Value-0.50
Score3/3
Weight23.54%
1M Return10.42%
Revenue-MV
Value0.16
Score3/3
Weight14.20%
1M Return7.25%
Value0.16
Score3/3
Weight14.20%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.16%
1M Return3.43%
Value36.70
Score3/3
Weight6.16%
1M Return3.43%
Total profit (YoY growth rate %)
Value-28.37
Score0/3
Weight3.32%
1M Return2.05%
Value-28.37
Score0/3
Weight3.32%
1M Return2.05%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.16%
1M Return3.43%
Value100.00
Score3/3
Weight6.16%
1M Return3.43%
Cash-MV
Value0.14
Score3/3
Weight14.48%
1M Return7.61%
Value0.14
Score3/3
Weight14.48%
1M Return7.61%
Net assets per share (growth rate compared to beginning of year %)
Value3.07
Score0/3
Weight3.44%
1M Return2.09%
Value3.07
Score0/3
Weight3.44%
1M Return2.09%
Revenue-MV
Value0.16
Score3/3
Weight14.20%
1M Return7.25%
Value0.16
Score3/3
Weight14.20%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight5.40%
1M Return3.05%
Value100.00
Score1/3
Weight5.40%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight6.16%
1M Return3.43%
Value36.70
Score3/3
Weight6.16%
1M Return3.43%
Profit-MV
Value0.71
Score2/3
Weight9.97%
1M Return5.27%
Value0.71
Score2/3
Weight9.97%
1M Return5.27%
Total profit (YoY growth rate %)
Value-28.37
Score0/3
Weight3.32%
1M Return2.05%
Value-28.37
Score0/3
Weight3.32%
1M Return2.05%
PB-ROE
Value1.41
Score3/3
Weight13.32%
1M Return6.02%
Value1.41
Score3/3
Weight13.32%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight6.16%
1M Return3.43%
Value100.00
Score3/3
Weight6.16%
1M Return3.43%
Asset-MV
Value-0.50
Score3/3
Weight23.54%
1M Return10.42%
Value-0.50
Score3/3
Weight23.54%
1M Return10.42%
Cash-MV
Value0.14
Score3/3
Weight14.48%
1M Return7.61%
Value0.14
Score3/3
Weight14.48%
1M Return7.61%
Is COFS fundamentally strong?
- COFS scores 5.96/10 on fundamentals and holds a Fair valuation at present. Backed by its 4.03% ROE, 15.00% net margin, 21.19 P/E ratio, 1.01 P/B ratio, and -42.14% earnings growth, these metrics solidify its Netural investment rating.
