ChoiceOne Financial Services, Inc. (COFS)

NCM – Real Time Price. Currency in USD

34.34

+0.14 (0.41%)

Market open: Aug 12, 2026, 1:30 PM EDT

33.92

-0.28 (-0.82%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 34.2$
Day's range: 33.88 - 34.32$
52-week range: 26.1 - 35.4$
Volume: 108 460
Average volume: 73 743
Beta: 0.63
EPS (TTM): 3.65
PE ratio (TTM): 9.4
Forward P/E: 9.24
Market cap: 511 478 784
Shares outstanding: 14 955 520
Dividend yield: $3.36 (3.36%)
Next earnings date: 2026-10-28
Sector: Financials
Industry: Banks - Regional

About the company

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 an... read more

CEO: Kelly Potes
Country: United States
IPO Date
Employees: 577
Fiscal Year End: January - December
Website: https://www.choiceone.bank

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: COFS

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Overall Score

4.3 / 1043%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $343.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.7) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.04	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.71	0.05	7.0
Debt to Assets	0.08	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	90M	114M	139M	227M	240M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	28M	26M	34M	52M	67M
Net Income	24M	21M	27M	28M	55M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	36.16	0.44	10
Net margin %	29.98	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.98	1.46	2.0
ROE	9.58	14.94	6.0
ROIC	7.36	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	-0.09	-4.47	1.0
Next quarter	4.46	0.72	3.0
Current year	8.11	0.54	4.0
Next year	3.95	1.08	3.5
Weighted average score			2.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-0.4	-9.05	-8.78	-116.02	1.0
Y/Y	-2.26	-7.9	-8.78	83.37	3.3
3y average	37.27	7.03	14.35	-14.03	6.0
5y average	25.2	13.9	N/A	54.95	7.3
Weighted average score					4.4

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	8.98	11.16	7.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.98	3.37	4.8
P/B	1.05	1.53	7.4
Weighted average score			5.3

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR11.78%

FCF 5 year CAGR4

Fair value64.25$

Stock price34.32$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.63	3.63	8.0
Payout ratio	32.03	32.03	5.0
5-year dividend growth rate	6.43	6.43	8.0
Years of dividend increase	13.00	13.00	8.0
Weighted average score			7.3

Fair Value

$64.25

UndervaluedStock priceOvervalued

$34.32

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Kelly Potes

Country

United States

IPO Date

Employees

577

Fiscal Year End

January - December

Website

https://www.choiceone.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.04

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.71

0.05

7.0

Debt to Assets

0.08

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

90M

114M

139M

227M

240M

Gross Profit

N/A

Operating Income

28M

26M

34M

52M

67M

Net Income

24M

21M

27M

28M

55M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

36.16

0.44

Net margin %

29.98

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.98

1.46

2.0

ROE

9.58

14.94

6.0

ROIC

7.36

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

-0.09

-4.47

1.0

Next quarter

4.46

0.72

3.0

Current year

8.11

0.54

4.0

Next year

3.95

1.08

3.5

Weighted average score

2.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-0.4

-9.05

-8.78

-116.02

1.0

Y/Y

-2.26

-7.9

-8.78

83.37

3.3

3y average

37.27

7.03

14.35

-14.03

6.0

5y average

25.2

13.9

N/A

54.95

7.3

Weighted average score

4.4

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

8.98

11.16

7.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.98

3.37

4.8

P/B

1.05

1.53

7.4

Weighted average score

5.3

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.63

8.0

Payout ratio

32.03

5.0

5-year dividend growth rate

6.43

8.0

Years of dividend increase

13.00

8.0

Weighted average score

7.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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ChoiceOne Financial Services, Inc. (COFS)

Stock details

About the company

Revenue Breakdown

News

Chart: COFS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$64.25

$34.32

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: COFS

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$64.25

$34.32

Economic Moat