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ChoiceOne Financial Services, Inc. (COFS)

33.56 +0.32 (+0.96%)
At close: 4:00:01 PM EDT
33.56 0.00 (0.00%)
After hours: 4:10:04 PM EDT
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Chart Range Bar
Loading chart for COFS
  • Previous Close 33.24
  • Open 33.29
  • Bid 33.46 x 100
  • Ask 42.88 x 200
  • Day's Range 33.12 - 33.94
  • 52 Week Range 26.10 - 35.40
  • Volume 73,440
  • Avg. Volume 95,593
  • Market Cap (intraday) 501.907M
  • Beta (5Y Monthly) 0.62
  • PE Ratio (TTM) 8.88
  • EPS (TTM) 3.78
  • Earnings Date (est.) Oct 23, 2026
  • Forward Dividend & Yield 1.16 (3.49%)
  • Ex-Dividend Date Jun 15, 2026
  • 1y Target Est 37.00

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.

www.choiceone.bank

577

Full Time Employees

December 31

Fiscal Year Ends

Banks - Regional

Industry

Performance Overview

Trailing total returns as of 8/26/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

COFS
15.92%
S&P 500 (^GSPC)
12.13%

1-Year Return

COFS
12.36%
S&P 500 (^GSPC)
18.71%

3-Year Return

COFS
62.30%
S&P 500 (^GSPC)
74.22%

5-Year Return

COFS
68.14%
S&P 500 (^GSPC)
71.72%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q1 FY26
Revenue 42.46M
Earnings 13.7M
Profit Margin 32.28%

Q3

FY25

Q4

FY25

Q1

FY26

0
10M
20M
30M
40M
32.3%
32.4%
32.5%
32.6%
32.7%
32.8%

Analyst Insights

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Analyst Price Targets

35.00
37.00 Average
33.56 Current
38.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 7/28/2026
Analyst DA Davidson
Rating Action Maintains
Rating Buy
Price Action Raises
Price Target 36 -> 38

Statistics

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Valuation Measures

Annual
As of 8/25/2026
  • Market Cap

    497.57M

  • Enterprise Value

    --

  • Trailing P/E

    8.80

  • Forward P/E

    --

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    2.92

  • Price/Book (mrq)

    1.03

  • Enterprise Value/Revenue

    4.90

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    32.20%

  • Return on Assets (ttm)

    1.25%

  • Return on Equity (ttm)

    11.97%

  • Revenue (ttm)

    169.92M

  • Net Income Avi to Common (ttm)

    54.72M

  • Diluted EPS (ttm)

    3.78

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    90.18M

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

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Company Insights

Fair Value

33.56 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

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