ChoiceOne Financial (COFS) Fundamental Analysis: Revenue, Earnings & Valuation

4.46 / 10

Netural

Fundamentals rate neutral with a 4.5/10 quality score. Strong gross profit margin (41.8%) and solid liability ratios support stability, yet profit‑to‑market and net‑income‑to‑revenue metrics lag. PB‑ROE and Asset‑MV are negative, making the overall picture balanced but challenging.

Analysis Checks(8/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight6.47%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight6.47%

1M Return3.70%

Profit-MV

Value1.35

Score0/3

Weight6.99%

1M Return4.03%

Net income-Revenue

Value0.63

Score0/3

Weight7.03%

1M Return3.99%

PB-ROE

Value-1.00

Score2/3

Weight12.46%

1M Return6.52%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight6.47%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.47%

1M Return3.70%

Cash-UP

Value-0.44

Score2/3

Weight7.79%

1M Return4.32%

Asset-MV

Value-0.55

Score3/3

Weight27.51%

1M Return11.46%

Cash-MV

Value0.25

Score2/3

Weight12.35%

1M Return6.14%

Is COFS fundamentally strong?

COFS scores 4.46/10 on fundamentals and holds a Fair valuation at present. Backed by its 7.76% ROE, 17.42% net margin, 15.10 P/E ratio, 0.91 P/B ratio, and -38.23% earnings growth, these metrics solidify its Netural investment rating.