ChoiceOne Financial Services Inc (COFS)
NASDAQ:COFS
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COFS Stock Chart & Stats
$30.94
-$0.15(-0.44%)
At close: 4:00 PM EST
$30.94
-$0.15(-0.44%)
Day’s Range― - ―
52-Week Range$26.10 - $35.40
Previous CloseN/A
Volume5.84K
Average Volume (3M)83.75K
Market Cap
$470.22M
Enterprise Value$619.72M
Total Cash (Recent Filing)$83.87M
Total Debt (Recent Filing)$233.37M
Price to Earnings (P/E)8.5
Beta0.82
Next Earnings
Jul 29, 2026EPS Estimate
0.88Next Dividend Ex-DateN/A
Dividend Yield3.69%
Share Statistics
EPS (TTM)3.71
Shares Outstanding14,975,035
10 Day Avg. Volume91,020
30 Day Avg. Volume83,751
Financial Highlights & Ratios
PEG Ratio-0.38
Price to Book (P/B)0.88
Price to Sales (P/S)2.13
P/FCF Ratio29.34
Enterprise Value/Market Cap1.32
Enterprise Value/Revenue2.56
Enterprise Value/Gross Profit3.62
Enterprise Value/Ebitda7.81
Forecast
1Y Price Target
$34.00Price Target Upside9.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.58
Revenue Forecast (FY)$175.60M
Bulls Say, Bears Say
Bulls Say
Sustained Revenue GrowthMulti-year top-line expansion demonstrates durable demand and scalable lending/deposit activity across the franchise. Sustained revenue growth increases earnings capacity, supports reinvestment in digital and branch channels, and builds buffer for credit cycles over the next several quarters.
Improving Balance Sheet LeverageLower leverage and rising equity provide greater capital resilience and flexibility for lending growth, loss absorption, and regulatory headroom. A stronger capital base reduces refinancing and funding stress risk, improving durability of operations across economic swings.
Capital Flexibility And Governance ContinuityA $100M mixed securities shelf materially enhances funding and capital-raising optionality to support loan growth or opportunistic balance-sheet moves. Combined with shareholder support for board and auditor continuity, this strengthens execution capacity and strategic optionality over 2–6 months.
Bears Say
Property Loan ConcentrationConcentration in commercial real estate and residential property loans makes asset quality highly sensitive to real estate and local economic cycles. Elevated exposure can amplify loss rates in downturns, pressure reserves and capital, and materially affect earnings durability across multiple quarters.
Inconsistent Operating Cash FlowVolatile operating cash conversion reduces predictable internal funding for loan growth, dividends, and reserve building. Even with improved free cash flow recently, inconsistent operating cash flow weakens liquidity reliability and increases dependence on external funding in stressed periods.
Margin Volatility Tied To Rate/credit CycleHistorical margin swings indicate net interest margin and profitability are sensitive to interest-rate moves and credit trends. This undermines predictable earnings and return-on-equity consistency, complicating long-term planning for reinvestment and dividend sustainability across varying rate environments.
ChoiceOne Financial Services News
COFS FAQ
What was ChoiceOne Financial Services Inc’s price range in the past 12 months?
ChoiceOne Financial Services Inc lowest stock price was $26.09 and its highest was $35.40 in the past 12 months.
What is ChoiceOne Financial Services Inc’s market cap?
ChoiceOne Financial Services Inc’s market cap is $470.22M.
When is ChoiceOne Financial Services Inc’s upcoming earnings report date?
ChoiceOne Financial Services Inc’s upcoming earnings report date is Jul 29, 2026 which is in 58 days.
How were ChoiceOne Financial Services Inc’s earnings last quarter?
ChoiceOne Financial Services Inc released its earnings results on Apr 24, 2026. The company reported $0.91 earnings per share for the quarter, beating the consensus estimate of $0.847 by $0.063.
Is ChoiceOne Financial Services Inc overvalued?
According to Wall Street analysts ChoiceOne Financial Services Inc’s price is currently Undervalued.
Does ChoiceOne Financial Services Inc pay dividends?
ChoiceOne Financial Services Inc pays a Quarterly dividend of $0.29 which represents an annual dividend yield of 3.69%. See more information on ChoiceOne Financial Services Inc dividends here
What is ChoiceOne Financial Services Inc’s EPS estimate?
ChoiceOne Financial Services Inc’s EPS estimate is 0.88.
How many shares outstanding does ChoiceOne Financial Services Inc have?
ChoiceOne Financial Services Inc has 14,975,035 shares outstanding.
What happened to ChoiceOne Financial Services Inc’s price movement after its last earnings report?
ChoiceOne Financial Services Inc reported an EPS of $0.91 in its last earnings report, beating expectations of $0.847. Following the earnings report the stock price went up 1.988%.
Which hedge fund is a major shareholder of ChoiceOne Financial Services Inc?
Currently, no hedge funds are holding shares in COFS
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
ChoiceOne Financial Services Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$34.00 (9.89% Upside)
$34.00 (9.89% Upside)
Insider Transactions
Bought Shares
Worth $216.8K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Negative
20 days / 200 days
Momentum
-10.66%
12-Months-Change
Fundamentals
Return on Equity
12.28%
Trailing 12-Months
Asset Growth
2.07%
Trailing 12-Months
Company Description
ChoiceOne Financial Services Inc
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
COFS Stock 12 Month Forecast
Average Price Target
$34.00
▲(9.89% Upside)
Technical Analysis
Ownership Overview
6.82% Insiders
9.93% Mutual Funds
5.19% Other Institutional Investors
65.93% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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