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ChoiceOne Financial Services Inc (COFS)
NASDAQ:COFS
COFS Stock Chart & Stats
$29.60
-$0.15(-0.44%)
At close: 4:00 PM EST
$29.60
-$0.15(-0.44%)
Day’s Range― - ―
52-Week Range$24.89 - $35.40
Previous CloseN/A
Volume5.84K
Average Volume (3M)83.75K
Market Cap
$444.70M
Enterprise Value$669.51M
Total Cash (Recent Filing)$642.41M
Total Debt (Recent Filing)$313.25M
Price to Earnings (P/E)14.7
Beta0.77
Next Earnings
Apr 29, 2026EPS Estimate
0.85Next Dividend Ex-DateN/A
Dividend Yield3.69%
Share Statistics
EPS (TTM)0.92
Shares Outstanding15,023,732
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 Ratio0.00
Enterprise Value/Market Cap1.51
Enterprise Value/Revenue2.94
Enterprise Value/Gross Profit4.56
Enterprise Value/Ebitda13.74
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.48
Revenue Forecast (FY)$175.55M
Bulls Say, Bears Say
Bulls Say
Diversified Revenue StreamsChoiceOne earns from loans (interest), fee services, and investment/AUM fees, giving multiple stable revenue pillars. Over 2–6 months this mix cushions net interest margin swings and provides recurring fee income that supports earnings even if one channel softens.
Improved Balance-sheet CushionThe company reports materially higher equity and lower leverage versus 2023, providing greater capital cushion. This stronger capital base supports lending capacity, absorbes shocks, and offers longer-term flexibility for growth or loss absorption without immediate funding pressure.
Scale Expansion Via M&ARecent merger and prior acquisitions materially grow assets, deposits and loan base, improving market position in Michigan. Greater scale can drive cost efficiencies, diversify local market exposure, and strengthen competitive placement for commercial and retail banking over coming quarters.
Bears Say
Cash-flow Collapse In 2025A drop to zero operating and free cash flow in 2025 marks a sharp deviation from 2021–2024 trends and creates durable uncertainty about cash conversion. This undermines internal funding for loans, dividends, and M&A, raising structural funding and liquidity risks until cash generation normalizes.
Loan Mix Shift To Property ExposureManagement's shift toward commercial real estate and residential property lending increases concentration in cyclical sectors. That structural change heightens sensitivity to property markets and economic downturns, raising credit volatility and the chance of higher loan losses over the medium term.
Revenue And Margin Weakness In 2025After 2021–2024 growth, 2025 produced a meaningful revenue pullback and compressed margins. Sustained weaker top-line and narrower spreads reduce return on equity and limit reinvestment capacity, pressuring profitability and making earnings harder to restore without structural revenue or cost changes.
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 $24.89 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 $444.70M.
When is ChoiceOne Financial Services Inc’s upcoming earnings report date?
ChoiceOne Financial Services Inc’s upcoming earnings report date is Apr 29, 2026 which is in 56 days.
How were ChoiceOne Financial Services Inc’s earnings last quarter?
ChoiceOne Financial Services Inc released its earnings results on Jan 30, 2026. The company reported $0.92 earnings per share for the quarter, beating the consensus estimate of $0.903 by $0.017.
Is ChoiceOne Financial Services Inc overvalued?
According to Wall Street analysts ChoiceOne Financial Services Inc’s price is currently Overvalued.
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 0.85.
How many shares outstanding does ChoiceOne Financial Services Inc have?
ChoiceOne Financial Services Inc has 15,023,732 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 $0.92 in its last earnings report, beating expectations of $0.903. Following the earnings report the stock price went down -2.943%.
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:
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Insider Transactions
Sold Shares
Worth $362.1K 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
6.16%
Trailing 12-Months
Asset Growth
64.32%
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
―Technical Analysis
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Ownership Overview
6.53% Insiders
9.43% Mutual Funds
3.47% Other Institutional Investors
68.90% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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