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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
$493.88M
Enterprise Value$631.40M
Total Cash (Recent Filing)$83.87M
Total Debt (Recent Filing)$233.37M
Price to Earnings (P/E)9.0
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 Ratio16.34
Enterprise Value/Market Cap1.28
Enterprise Value/Revenue2.61
Enterprise Value/Gross Profit3.69
Enterprise Value/Ebitda7.04
Forecast
1Y Price Target
$34.00Price Target Upside9.89% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.61
Revenue Forecast (FY)$175.60M
Bulls Say, Bears Say
Bulls Say
Strong Revenue Growth & Improving MarginsSustained top-line expansion and a materially higher net margin indicate stronger core earnings power from both lending and fee businesses. Over months, this underpins internal capital generation, supports dividend capacity and funds selective growth without reliance on volatile external financing.
Improving Leverage And Larger Equity BaseA lower debt-to-equity ratio and growing equity provide a more resilient capital structure for a regional bank. This durable improvement increases capacity to absorb loan losses, pursue measured balance-sheet growth, and maintain regulatory and investor confidence over the coming quarters.
Scale Plus Tech-enabled Community Banking ModelMeaningful scale for a community bank combined with digital capabilities and a statewide branch footprint supports deposit stability and customer reach. Structurally, this mix helps sustain net interest income and fee growth while improving cost efficiency and competitive positioning regionally.
Bears Say
Inconsistent Operating Cash FlowDespite positive free cash flow recently, uneven operating cash flow reduces predictability of internal funding for lending, dividends, and capital expenditures. Over several months this can constrain strategic flexibility and raise reliance on deposits or wholesale funding in stress periods.
Loan Growth Concentrated In CRE/residentialA lending mix concentrated in commercial real estate and residential mortgages increases cyclical credit sensitivity to property and rate cycles. Structurally, this concentration elevates portfolio credit risk and could pressure capital and earnings if regional property markets or interest rates deteriorate.
Margin And ROE VolatilityEarnings margin and ROE swings indicate sensitivity to interest-rate and credit-cycle dynamics. Over the medium term, this volatility makes earnings less predictable, complicates capital planning and may limit sustained investor confidence in the bank's ability to deliver steady returns.
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 $493.88M.
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 14 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 1.986%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$34.00 (9.89% Upside)
$34.00 (9.89% Upside)
Blogger Sentiment
Bullish
COFS Sentiment 100%
Sector Average 67%
Sector Average 67%
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. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
COFS Stock 12 Month Forecast
Average Price Target
$34.00
▲(9.89% Upside)
Technical Analysis
Ownership Overview
6.65% Insiders
10.65% Mutual Funds
0.07% Other Institutional Investors
69.39% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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