Lee Braford - ChoiceOne Financial Chief Credit Officer and Sr. VP
| COFS Stock | USD 24.06 1.11 4.41% |
SVP
Mr. Lee A. Braford is Senior Vice President of ChoiceOne Financial Services Inc., since January 2012. He is also the Vice President of the Bank in Business Development since September 2001 serving in various capacities, currently as Chief Credit Officer, and an executive officer since January 2011. Mr. Braford was also employed by the Bank from 1980 to 1997. Mr. Braford serves on the board of the Sparta Community Foundation and previously served as its chairman. since 2012.
| Age | 63 |
| Tenure | 12 years |
| Address | 109 East Division Street, Sparta, MI, United States, 49345-0186 |
| Phone | 616 887 7366 |
| Web | https://www.choiceone.bank |
ChoiceOne Financial Management Efficiency
At this time, ChoiceOne Financial's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.01 in 2024, despite the fact that Return On Capital Employed is likely to grow to (0). At this time, ChoiceOne Financial's Return On Assets are comparatively stable compared to the past year. ChoiceOne Financial's management efficiency ratios could be used to measure how well ChoiceOne Financial manages its routine affairs as well as how well it operates its assets and liabilities.Similar Executives
| Found 3 records | SVP Age | ||
| Matthew Sawrie | Home Federal Bancorp | 49 | |
| Robin OBerry | Cullman Bancorp | 57 | |
| David Barber | Home Federal Bancorp | 55 | |
Management Performance
| Return On Equity | 0.12 | |||
| Return On Asset | 0.0086 |
ChoiceOne Financial Leadership Team
Elected by the shareholders, the ChoiceOne Financial's board of directors comprises two types of representatives: ChoiceOne Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of ChoiceOne. The board's role is to monitor ChoiceOne Financial's management team and ensure that shareholders' interests are well served. ChoiceOne Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, ChoiceOne Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
| Michael Burke, President Director | ||
| Heather Brolick, Senior Bank | ||
| Greg Armock, Director | ||
| Frank Berris, Independent Director | ||
| Roxanne Page, Independent Director | ||
| Adom Greenland, Executive CFO | ||
| Mary Johnson, Secretary, Sr. VP of Operations - Choiceone Bank and Cashier of Choiceone Bank | ||
| James Bosserd, CEO, Director, Member of Executive and Loan Review Committee, CEO of Choiceone Bank and Director of Choiceone Bank | ||
| Timothy Bull, Independent Director | ||
| Lee Braford, Chief Credit Officer and Sr. VP | ||
| Jack Hendon, Director | ||
| Sheila Clark, Senior Vice President of the Bank | ||
| Dennis Nelson, Independent Director | ||
| Kelly Potes, Senior Vice President of the Bank, SVP and General Manager of ChoiceOne Insurance Agencies, Inc. | ||
| Daniel Wheat, Mortgage Originator | ||
| Kelly CFP, CEO Director | ||
| Shelly Childers, Senior Officer | ||
| Louis Knooihuizen, Sr. VP Commercial Loans - Choiceone Bank, Sr. VP of Choiceone Insurance Agencies Inc, Sr. Lending Officer of Choiceone Bank and Director of Choiceone Insurance Agencies Inc | ||
| Paul Johnson, Chairman of the Board | ||
| Peter Batistoni, Senior Bank | ||
| Robert Jamula, Senior Bank | ||
| William Cutler, Independent Director | ||
| Thomas Lampen, Treasurer; CFO, Senior Vice President of the Bank | ||
| Raymond Lanning, Director | ||
| Bradley Henion, Executive Bank | ||
| Nels Nyblad, Independent Director | ||
| Keith Brophy, Director |
ChoiceOne Stock Performance Indicators
The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is ChoiceOne Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.
| Return On Equity | 0.12 | |||
| Return On Asset | 0.0086 | |||
| Profit Margin | 0.26 % | |||
| Operating Margin | 0.35 % | |||
| Current Valuation | 354.38 M | |||
| Shares Outstanding | 7.56 M | |||
| Shares Owned By Insiders | 8.26 % | |||
| Shares Owned By Institutions | 20.29 % | |||
| Number Of Shares Shorted | 113.3 K | |||
| Price To Earning | 9.13 X |
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards ChoiceOne Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, ChoiceOne Financial's short interest history, or implied volatility extrapolated from ChoiceOne Financial options trading.
Pair Trading with ChoiceOne Financial
One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if ChoiceOne Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in ChoiceOne Financial will appreciate offsetting losses from the drop in the long position's value.Moving together with ChoiceOne Stock
| 0.72 | AX | Axos Financial Earnings Call This Week | PairCorr |
| 0.77 | BY | Byline Bancorp Earnings Call This Week | PairCorr |
Moving against ChoiceOne Stock
| 0.73 | TECTP | Tectonic Financial | PairCorr |
| 0.55 | DB | Deutsche Bank AG Earnings Call Tomorrow | PairCorr |
| 0.49 | CFG-PD | Citizens Financial | PairCorr |
The ability to find closely correlated positions to ChoiceOne Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace ChoiceOne Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back ChoiceOne Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling ChoiceOne Financial Services to buy it.
The correlation of ChoiceOne Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as ChoiceOne Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if ChoiceOne Financial moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for ChoiceOne Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in ChoiceOne Financial Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census. Note that the ChoiceOne Financial information on this page should be used as a complementary analysis to other ChoiceOne Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Companies Directory module to evaluate performance of over 100,000 Stocks, Funds, and ETFs against different fundamentals.
Complementary Tools for ChoiceOne Stock analysis
When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.
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Is ChoiceOne Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of ChoiceOne Financial. If investors know ChoiceOne will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about ChoiceOne Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.21) | Dividend Share 1.05 | Earnings Share 2.82 | Revenue Per Share 10.705 | Quarterly Revenue Growth (0.04) |
The market value of ChoiceOne Financial is measured differently than its book value, which is the value of ChoiceOne that is recorded on the company's balance sheet. Investors also form their own opinion of ChoiceOne Financial's value that differs from its market value or its book value, called intrinsic value, which is ChoiceOne Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because ChoiceOne Financial's market value can be influenced by many factors that don't directly affect ChoiceOne Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between ChoiceOne Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if ChoiceOne Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, ChoiceOne Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.