Three independent discounted-cash-flow-style models value CHOICEONE FINANCIAL every trading day. 0 of 3 currently price COFS above its market price.
| Free Cash Flow model | $-342.64 |
| Excess Profit model | $-7.75 |
| Residual Earnings model | $1.36 |
| Dividend Discount model | $21.31 |
| Piotroski F-Score | 6 / 9 |
| Return on invested capital | +5.8% |
| Net debt / EBITDA | -2.6× |
| Gross margin | +100.0% |
| Revenue CAGR | +44.7% |
| Cash conversion | 1.1× |
| Dividend yield | +3.5% |
| Buyback yield | -70.7% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
Open COFS in StockKitty