ChoiceOne Financial Services, Inc. (COFS)

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ChoiceOne Financial Services, Inc. (COFS) is up 10.8% since the beginning of the year. At $32 per share, COFS is trading 9.4% below its 52-week high of $35. Investors who bought $1,000 worth of COFS shares 5 years ago would now be looking at an investment worth $1,632.

ChoiceOne Financial Services, Inc. (COFS) has returned 10.81% so far this year and 19.46% over the past 12 months. Over the last ten years, COFS has returned 7.88% per year, falling short of the S&P 500 Index benchmark, which averaged 13.88% annually.

Based on dividend-adjusted daily data since Dec 31, 2001, COFS's average daily return is +0.06%, while the average monthly return is +0.95%. At this rate, an investment would double in approximately 6.1 years.

Historically, 52% of months were positive and 48% were negative. The best month was Mar 2009 with a return of +34.9%, while the worst month was Jan 2009 at -35.5%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 8 months.

On a daily basis, COFS closed higher 26% of trading days. The best single day was Jan 12, 2011 with a return of +42.9%, while the worst single day was Jan 13, 2011 at -30.0%.

ChoiceOne Financial Services, Inc. has an annualized alpha of 15.50%, beta of 0.16, and R2 of 0.01 versus S&P 500 Index. Calculated based on daily prices since December 31, 2001.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (38.89%) than losses (19.73%) - typical of diversified or defensive assets.
• Beta of 0.16 may look defensive, but with R2 of 0.01 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.01 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

COFS ranks 64 for risk / return — better than 64% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.

ChoiceOne Financial Services, Inc. provided a 3.58% dividend yield over the last twelve months, with an annual payout of $1.15 per share. The company has been increasing its dividends for 15 consecutive years.

The table displays the monthly dividend distributions for ChoiceOne Financial Services, Inc.. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the ChoiceOne Financial Services, Inc.. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the ChoiceOne Financial Services, Inc. was 73.91%, occurring on Jan 26, 2009. Recovery took 496 trading sessions.

The current ChoiceOne Financial Services, Inc. drawdown is 9.23%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of ChoiceOne Financial Services, Inc. over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how ChoiceOne Financial Services, Inc. is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.