Should You Buy ChoiceOne Financial Services Inc (COFS) Today? Analysis, Price Targets, and 2026 Outlook.
Conclusion
Hold
Latest Price
29.180
1 Day change
2.39%
52 Week Range
35.400
Analysis Updated At
2026/01/28
COFS is not a good buy right now for a beginner long-term investor who wants to act immediately. The setup is technically neutral-to-soft (price below pivot, weakening MACD momentum) with a recent analyst downgrade, and the next major catalyst is earnings on 2026-02-04. I would hold off rather than buy at $28.58 today.
Technical Analysis
Trend/Momentum: Mixed-to-neutral. MACD histogram is positive (0.108) but contracting, suggesting upside momentum is fading. RSI(6) at 46.19 is neutral, offering no strong buy signal. Moving averages are converging, consistent with consolidation rather than a clear uptrend.
Key levels: Current price $28.58 is slightly below the pivot (28.793). Near-term support sits at S1 27.779 (then S2 27.153). Resistance is at R1 29.808 (then R2 30.434). This positioning implies limited immediate upside until it reclaims the pivot and pushes toward 29.81.
Pattern-based outlook: Similar-candlestick modeling indicates modest upside next week (+0.46%) but a negative 1-month bias (-4.74%), which further weakens the “buy now” case.
**Intellectia Proprietary Trading Signals**
- [AI Stock Picker](module://ai_stock_pick): no signal on given stock today.
- [SwingMax](module://swingmax): No signal on given stock recently.
Options Data
Positive Catalysts
Insider activity is strongly positive: insiders are buying, with buying amount up 47,718.79% over the last month (confidence signal from management/insiders).
Latest reported quarter (2025/Q3) showed very strong YoY growth: revenue +84.97%, net income +99.80%, EPS +14.12%.
Upcoming earnings (QDEC 2025) on 2026-02-04 pre-market could act as a catalyst if results/forward commentary beat expectations.
Recent news flow is positive for community impact (scholarships, housing stability grant), supportive for reputation/relationships in local markets.
Neutral/Negative Catalysts
Recent Wall Street action: Hovde Group downgraded COFS to Market Perform from Outperform (2026-01-07), which can cap near-term multiple expansion and sentiment.
Technical momentum is not confirming a fresh uptrend (MACD contracting; price below pivot).
Model-based 1-month projection bias is negative (-4.74%), implying risk of a near-term pullback rather than an immediate clean breakout.
No notable hedge fund accumulation signal (hedge funds described as neutral).
Financial Performance
Latest quarter provided: 2025/Q3. Revenue rose to $39,989,000 (+84.97% YoY), net income increased to $14,681,000 (+99.80% YoY), and EPS increased to $0.97 (+14.12% YoY). This is strong growth, with earnings growth lagging the jump in net income (worth watching for mix/one-time items in the next report). Next earnings: QDEC 2025 on 2026-02-04 (Est. EPS 0.91).
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: Ratings moved negative with a downgrade. On 2026-01-07, Hovde Group downgraded COFS from Outperform to Market Perform.
Wall Street pros view (pros): solid recent quarterly growth and insider buying support a constructive fundamental view.
Wall Street cons view (cons): the downgrade suggests limited near-term upside/valuation expansion, and without a clear technical uptrend, pros may prefer waiting for confirmation (especially ahead of earnings).
Politician/congress activity: No recent congress trading data available in the last 90 days.
Wall Street analysts forecast COFS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for COFS is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
Analyst Rating
0
Wall Street analysts forecast COFS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for COFS is 0 USD with a low forecast of 0 USD and a high forecast of 0 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
Buy
Hold
Sell
0
Current: 28.500
Low
0
Averages
0
High
0
0
Current: 28.500
Low
0
Averages
0
High
0
Hovde Group
Outperform -> Market Perform
downgrade
AI Analysis
2026-01-07
Reason
Hovde Group
Price Target
AI Analysis
2026-01-07
downgrade
Outperform -> Market Perform
Reason
Hovde Group downgraded ChoiceOne Financial to Market Perform from Outperform.
