ChoiceOne Financial Services, Inc. (COFS)

Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.

The chart shows the growth of an initial investment of $10,000 in ChoiceOne Financial Services, Inc., comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.

ChoiceOne Financial Services, Inc. (COFS) has returned -3.74% so far this year and 1.57% over the past 12 months. Over the last ten years, COFS has returned 5.84% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% 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 +0.91%. At this rate, your investment would double in approximately 6.4 years.

Historically, 51% of months were positive and 49% 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 25% 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 15.06%, beta of 0.16, and R² of 0.01 versus S&P 500 Index. Calculated based on daily prices since January 02, 2002.

• This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (38.19%) than losses (20.77%) — 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 40 for risk / return — below 40% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.

The table below present risk-adjusted performance metrics for ChoiceOne Financial Services, Inc. (COFS) and compare them to a chosen benchmark (S&P 500 Index).

ChoiceOne Financial Services, Inc. provided a 4.05% dividend yield over the last twelve months, with an annual payout of $1.14 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 21.14%.

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.