ChoiceOne Financial Services, Inc.

Stage 3 · Topping · week 2

As of Oct 22, 2026, ChoiceOne Financial Services is in Stage 3, the topping phase, now in week 2 (since Oct 13, 2026). It closed at $34.13, 0.6% below its 52-week high and above its 200-day average, which is rising.

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. More about the company

$34.13

+2.93% today

$510M · Small cap

Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S3 16w

S2 32w

S1 17w

S2 23w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S1 7w → S4 8w → S1 3w → S2 10w → S3 16w → S2 32w → S3 8w → S4 10w → S1 17w → S4 7w → S3 1w → S2 10w → S3 2w → S4 6w → S1 2w → S2 23w → S3 1w current

Total tracked: 165 weeks across 17 stage runs.

COFS among Banks - Regional178th of 319 by relative strength

All 319 →

Stocks in Banks - Regional ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	OPHCOptimumBank Holdings, Inc.	Stage 2 · wk 38	96	−1.0%
2	MSBIMidland States Bancorp, Inc.	Stage 2 · wk 43	95	+1.8%
3	CMTVCommunity Bancorp.	Stage 2 · wk 72	94	+11.5%
4	VBNKVersaBank	Stage 2 · wk 25	94	−0.9%
5	AMALAmalgamated Financial Corp.	Stage 3 · wk 2	94	+8.1%
6	BOTJBank of the James Financial Group, Inc.	Stage 2 · wk 58	93	+9.0%
7	ATLOAmes National Corporation	Stage 2 · wk 68	92	+9.5%
8	RBKBRhinebeck Bancorp, Inc.	Stage 2 · wk 38	92	+0.9%
…178	COFSChoiceOne Financial Services, Inc.	Stage 3 · wk 2	75	+5.2%

vs 52W High

-0.6%

$26.43 lo$34.33 hi

Near 52W high, distribution zone

The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.

Stage Maturity

Week 2

1w13w26w

Week 2, early distribution

How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.

vs 200 DMA

10.5%

200 DMA: $30.90 · rising

Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.

Rel Volume

1.04x

vs 50-day avg

Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.

Trend Health

→

Short-term trend flat

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

+5.2%

+15.1%

YTD

+21.2%

+28.5%

Scan Membership

Breakout Watch

Latest: 2024-06-25

8 appearances in last 60 days. First seen: 2018-10-16.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S3

Wk 2 · Vol 1.04x

2026-10-21S3

Wk 2 · Vol 0.95x

2026-10-20S3

Wk 2 · Vol 0.73x

2026-10-19S3

Wk 1 · Vol 0.95x

2026-10-16S3

Wk 1 · Vol 0.96x

2026-10-15S3

Wk 1 · Vol 1.83x

2026-10-14S3

Wk 1 · Vol 1.90x

2026-10-13S32→3

Wk 1 · Vol 1.12x

2026-10-12S2

Wk 22 · Vol 1.27x

2026-10-09S2

Wk 22 · Vol 1.02x

2026-10-08S2

Wk 22 · Vol 1.48x

2026-10-07S2

Wk 22 · Vol 1.07x

Moving averages & range

50 DMA

$33.17

200 DMA

$30.90

52W High

$34.33

52W Low

$26.43

5D Low

$32.84

Resistance levels (recent highs)

20d High

$34.13

60d High

$34.20

120d High

$34.33

250d High

$34.33

Next resistance

+0.2%

to 60d High

P/E (TTM)

9.3

Forward 9.2

Earnings Growth (YoY)

-7.8%

Revenue -2.6%

ROE

+12.0%

Profit margin +32.2%

Dividend Yield

3.50%

P/B 1.1

ChoiceOne Financial Services: quick answers

What stage is ChoiceOne Financial Services in?

As of Oct 22, 2026, ChoiceOne Financial Services (COFS) is in Stage 3, the topping phase. It entered Stage 3 on Oct 13, 2026 and is in week 2. What the four stages mean

Is ChoiceOne Financial Services in an uptrend?

Its uptrend has stalled. ChoiceOne Financial Services is in Stage 3, the topping phase that follows an advance. It trades 10.5% above its 200-day average, which is rising.

How far is ChoiceOne Financial Services from its 52-week high?

ChoiceOne Financial Services closed at $34.13 on Oct 22, 2026, 0.6% below its 52-week high of $34.33. Its 52-week low is $26.43.

How has ChoiceOne Financial Services performed over the past year?

As of Oct 22, 2026, ChoiceOne Financial Services is up 28.5% over the past year and up 21.2% so far in 2026.

Which sector and industry is ChoiceOne Financial Services in?

ChoiceOne Financial Services is in the Banks - Regional industry, part of the Financials sector.

About this companyFinancials· Banks - Regional

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.