COFS NASDAQ Week ended 31 Jul 2026

Weekly Investor Report

ChoiceOne Financial Services Inc · Financial Services · Banks - Regional

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Latest close 34.03 USD
4.0% latest week
Weekly setup

Constructive, but selective

The weekly trend is active. Price is 12.8% above the Trend Line and sits at 90.9% of its 52-week range. The latest completed week returned 4.0%, after a 0.3% four-week move. The latest factor snapshot indicates quality is middle-of-the-pack; growth ranks strongly; valuation is neither clearly cheap nor expensive. The latest news-sentiment score is 56/100. Near-term considerations: price is close to its 52-week high; earnings are due in 82d.

Setup score 65 out of 100
Latest Close 34.03 USD 31 Jul 2026
1W Return 4.0% latest completed week
4W Return 0.3% short-term follow-through
12W Return 9.1% quarterly tape
Trend Breadth 53.8% 28 of 52 weeks active
Volume Ratio 1.0x vs 13-week average
What is working
  • The trend backdrop is active with a 15-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • Next-week expectancy is negative at 42.82% based on similar historical setup states.
  • 2 reversal markers appear in the recent smart-money tape.
What to watch next
  • Price is close to its 52-week high; watch for continuation or exhaustion.
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 4.0% Latest completed week; four-week move 0.3%. Indicator stack 75/77 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Next-Week Expectancy Negative 42.82% Historical one-week expectancy contributes to the evidence score when direction is confirmed. News sentiment 56/100 61 relevant articles in the latest sentiment read. Event risk 82d Next report is scheduled for 23 Oct 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 12.8% above the Trend Line and sits at 90.9% of its 52-week range. The latest completed week returned 4.0%, after a 0.3% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 1.0x the 13-week average. Participation is around or above normal and provides reasonable confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul 31 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.9612-week average 0.72

12-week confirmation

Trend active12/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership4/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.96Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers22 reversal markers

No recent accumulation markers. 2 reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is 0.3% over four weeks, 9.1% over 12 weeks, and 23.1% over one year. The current trend has remained active for 15 consecutive weeks.

Performance by holding period

1W4.0%
4W0.3%
12W9.1%
26W21.0%
52W23.1%
Active trend streak15 weeks
Active weeks in one year28
Trend breadth53.8%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure1.54Latest activity-pressure read.
Pressure change-5.2%Four-week change in activity pressure.
Leadership5.29Latest relative-leadership reading.
RS change543.2%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality is middle-of-the-pack; growth ranks strongly; valuation is neither clearly cheap nor expensive.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 30 Jun 2026 Field coverage 100% Model confidence 100%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength48/100Blend of value, momentum, and quality. Underlying universe rank 53; rank 1 is best.
Value68/100Relative valuation strength. Underlying universe rank 33; rank 1 is best.
Quality23/100Profitability and accounting quality. Underlying universe rank 78; rank 1 is best.
Momentum34/100Medium-term price momentum. Underlying universe rank 67; rank 1 is best.
Growth83/100Revenue and earnings growth. Underlying universe rank 18; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Value-quality framework89/100Value and quality alignment from the Sharemaestro SVQF framework.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
8.9x
Price divided by trailing earnings.
Price / sales
2.7x
Market value relative to trailing revenue.
EV / EBITDA
16.2x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
5.2%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
62.3%
Gross profit retained from each unit of revenue.
Operating margin
19.2%
Operating profit retained from revenue.
Free-cash-flow margin
21.0%
Free cash flow generated from revenue.
Return on invested capital
3.9%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
2.7%
Latest one-year revenue growth.
EPS growth
287.1%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
-
Latest one-year free-cash-flow growth.
Piotroski F-score
4/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
3.5%
Cash dividends relative to market value.
Buyback yield
0.4%
Net share repurchases relative to market value.
Shareholder yield
3.9%
Dividend yield plus net buyback yield.
Net debt / EBITDA
5.5x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Insider activity16 / 4

16 acquisitions and 4 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment56/100

Weighted news tone is neutral across 61 relevant articles.

20 positive · 37 neutral · 4 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings82dNext report is scheduled for 23 Oct 2026; event risk rises as the date approaches.
Options expected move-Nearest-chain priced movement where available.
52-week drawdown-2.5%Distance below the 52-week high.
13-week volatility2.8%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher14 of 2612 weeks finished lower.
Best week+5.7%Week of 6 Feb.
Worst week-5.2%Week of 13 Feb.
Latest week+4.0%Week of 31 Jul.

Shape of recent returns

Strong gains4
Modest gains10
Flat weeks0
Modest losses11
Sharp losses1
Recent vol2.8%13-week weekly-return volatility.
Base vol3.6%52-week weekly-return volatility.
Up/down split26/26Count of positive and negative weeks in the 52-week window.
Average skew3.2% / -2.3%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape67/100

Trend, activity pressure, participation, and risk combine to a 67/100 tape read.

 Indicator analysis74/100

Latest 12-week confirmation: trend 12/12, activity pressure 12/12, relative leadership 4/12.

Activity pressure 0.96; 2 reversal markers Next-Week ExpectancyNegative 42.82%

Next-week expectancy is negative with a 42.82% historical one-week setup read.

Adds short-term historical context without overriding trend, activity, or relative leadership. Factors42/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Buyback Yield rank 37; Small Cap Core rank 33 SVQF89/100

Value and quality alignment from the Sharemaestro SVQF framework.

Composite rank 78.0 of 725 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Sentiment56/100

Weighted news tone is neutral across 61 relevant articles.

Cognizant Earnings: Financial Services and North America Drive Resilient Performance Insiders16 / 4

16 acquisitions and 4 disposals in the latest 180-day insider tape.

 Earnings82d

Next report is scheduled for 23 Oct 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
31 Jul 202634.03 USD4.0%30.17 USD27.33 USD1.545.29442.2KOn
24 Jul 202632.72 USD-3.6%29.98 USD27.25 USD1.611.77588.4KOn
17 Jul 202633.93 USD2.9%29.88 USD27.18 USD1.693.68434.9KOn
10 Jul 202632.98 USD-2.8%29.74 USD27.10 USD1.67-3.47390.0KOn
3 Jul 202633.92 USD3.2%29.68 USD27.01 USD1.620.82532.9KOn
26 Jun 202632.88 USD3.2%29.56 USD26.92 USD1.53-1.62744.3KOn
19 Jun 202631.87 USD-1.3%29.45 USD26.84 USD1.24-9.11526.4KOn
12 Jun 202632.28 USD2.5%29.36 USD26.77 USD1.11-5.80401.3KOn
5 Jun 202631.49 USD1.2%29.24 USD26.70 USD0.85-6.23481.1KOn
29 May 202631.12 USD-0.1%29.15 USD26.63 USD0.74-11.81308.1KOn
22 May 202631.16 USD3.9%29.04 USD26.55 USD0.77-9.60399.0KOn
15 May 202630.00 USD-3.8%28.99 USD26.47 USD0.72-12.32265.1KOn
8 May 202631.20 USD2.9%28.84 USD26.40 USD0.96-9.59340.4KOn
1 May 202630.32 USD-0.6%28.68 USD26.32 USD0.85-7.76316.3KOn
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.