Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
ChoiceOne Financial Services, Inc. (COFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$36.77-2.23%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.72 → 3.84 EPS · FY ending Dec 31, 2027 · 2 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 3 to 2; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for COFS yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Maintain solid capital and liquidity with efficient funding | The bank maintains solid capital and liquidity with $16.7 million operating income in 2026-Q1. | Intact | Operating income falls below $16.7 million or capital weakens | Operating income: $-16.681M FY2026-Q2; GAAP. Published target: Operating income >= $16.7 million in 2026-Q1 with stable capital ratios. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Aug 10, 2026-16,681,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
COFS is a smaller-cap financial company with a growth-and-execution thesis, rather than a clear turnaround story. The thesis is intact, with recent results in the top half of its industry, though earnings quality is rated fragile.
The valuation evidence describes COFS as cheap versus peers, and its valuation score recently fell from 61.2 to 50.4. The expectations gap is close to neutral, while priced-in fragility is low and the overall valuation signal is considered justified.
Near term, recent results have been strong, with three consecutive earnings beats in the evidence and continued loan growth. Management is delivering on loan production and balance-sheet priorities: net interest margin expanded and cost of funds decreased in the latest quarter. Risks include fragile earnings quality, the company’s smaller size, and a history of a deep miss, though the assessed near-term miss risk is low.
Over the next few quarters, the thesis depends on continued loan growth, disciplined funding management, and avoiding a guidance cut. Rate cuts from the current 3.88% level could weigh on the financial sector, while continued strong results and higher guidance from sector peers could support sector momentum.
For the next 1 to 3 years, COFS has a supportive setup of strong recent performance and a cheap-versus-peers valuation, but the thesis remains sensitive to execution and interest-rate conditions. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Diluted EPS growth sustaining positive trajectory | Diluted EPS rose from -$1.29 to $0.91 in one year. | Broken | Diluted EPS falls below $0.91 or reverses growth trend next year | Diluted EPS: $0.83 per share FY2026-Q2; GAAP. Published target: Diluted EPS >= $0.91 in 2026-Q1 and continuing positive growth. Target period is not explicitly aligned with this observation. Aug 10, 20260.83 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Net income remains positive and grows | Net income turned positive, reaching $13.7 million in 2026-Q1. | Intact | Net income falls below $13.7 million or turns negative next year | Net income: $12.463M FY2026-Q2; GAAP. Published target: Net income >= $13.7 million in 2026-Q1 and sustained growth. Target period is not explicitly aligned with this observation. Aug 10, 202612,463,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stabilize or improve revenue to limit decline | A supporting condition in ChoiceOne Financial Services, Inc.'s published investment case. The stated target is Revenue decline limited to less than -10% year over year. | Intact | Revenue decline exceeds -10% year over year in FY26 | Revenue: $5.43M FY2026-Q2; GAAP. Published target: Revenue decline limited to less than -10% year over year. Annual target cannot be compared with a quarterly or TTM observation. Aug 10, 20265,430,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.68 → $3.84 · observed estimates
$0.18B → $0.18B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.68 | $181,300,000 | 3 / 2 |
| 2026-07-25 | $3.68 | $181,300,000 | 3 / 2 |
| 2026-07-26 | $3.68 | $181,300,000 | 3 / 2 |
| 2026-07-27 | $3.71 | $181,250,000 | 3 / 2 |
| 2026-07-28 | $3.71 | $181,250,000 | 3 / 2 |
| 2026-07-29 | $3.72 | $181,750,000 | 3 / 2 |
| 2026-07-30 | $3.71 | $181,250,000 | 3 / 1 |
| 2026-07-31 | $3.72 | $181,750,000 | 3 / 2 |
| 2026-08-01 | $3.74 | $181,750,000 | 2 / 1 |
| 2026-08-02 | $3.74 | $181,750,000 | 3 / 2 |
| 2026-08-03 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-04 | $3.74 | $181,750,000 | 3 / 2 |
| 2026-08-05 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-06 | $3.74 | $181,750,000 | 3 / 2 |
| 2026-08-07 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-08 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-09 | $3.74 | $181,750,000 | 3 / 2 |
| 2026-08-10 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-11 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-12 | $3.74 | $181,750,000 | 3 / 2 |
| 2026-08-13 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-14 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-15 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-16 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-17 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-18 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-19 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-20 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-21 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-22 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-23 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-24 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-25 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-26 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-27 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-28 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-29 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-30 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-08-31 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-01 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-02 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-03 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-04 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-05 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-06 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-07 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-08 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-09 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-10 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-11 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-12 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-13 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-14 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-15 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-16 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-17 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-18 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-19 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-20 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-21 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-22 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-23 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-24 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-25 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-26 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-27 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-28 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-29 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-09-30 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-10-01 | $3.74 | $181,750,000 | 3 / 1 |
| 2026-10-02 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-03 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-04 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-05 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-06 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-07 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-08 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-09 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-10 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-11 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-12 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-13 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-14 | $3.72 | $181,350,000 | 3 / 1 |
| 2026-10-15 | $3.72 | $181,350,000 | 2 / 1 |
| 2026-10-16 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-17 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-18 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-19 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-20 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-21 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-22 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-23 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-24 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-25 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-26 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-27 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-28 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-29 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-30 | $3.72 | $181,350,000 | 2 / 2 |
| 2026-10-31 | $3.81 | $183,550,000 | 2 / 2 |
| 2026-11-01 | $3.81 | $183,550,000 | 2 / 1 |
| 2026-11-02 | $3.81 | $183,550,000 | 2 / 1 |
| 2026-11-03 | $3.81 | $183,550,000 | 2 / 1 |
| 2026-11-04 | $3.84 | $183,550,000 | 2 / 1 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 2 Buy / Strong Buy · 1 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
Individual price-target observations are unavailable.
0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.