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ChoiceOne Financial Services, Inc. COFS R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.choiceone.bank
Company Profile ↓
$34.30
+16.80% 1Y
Mkt Cap$512.80M
P/E9.07
P/B1.06
Div. Yield3.39%
52W High$34.62
52W Low$25.55
Book Value$32.28
EPS (TTM)$3.78

Company Overview

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.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 25.7% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.1, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 32.2%.

Dividend Income

Offers a dividend yield of 3.39%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $161.74M (+75.0% YoY); net profit $28.18M.
  • Trailing 12 Months Year-on-year growth — revenue -1.9%, earnings -7.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 25.7%, profit CAGR 6.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:25.72%
1 Year:-1.90%

Compounded Profit Growth

5 Years:6.03%
1 Year:-7.80%

Stock Price Performance

1 Year:+16.80%
6 Months:+23.67%
3 Months:+8.90%
1 Month:-0.17%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 96% of range
$25.55 $34.62
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.02 · Neutral
Price Performance
1M-0.17%
3M+8.90%
6M+23.67%
1Y+16.80%
Valuation vs Sector

P/E of 9.07 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 32.2%.
  • Compounding revenue at 25.7% over 5 years.
  • Attractive dividend yield of 3.39%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.07
Industry PE
14.52
Forward P/E
9.17
PEG Ratio
-1.29
Book Value
$32.28
Price to Book
1.06
P/S
3.00
EV/EBITDA
-
Dividend Yield
3.39%

Growth (CAGR)

Revenue 5Y
25.72%
Profit 5Y
6.03%
Revenue (YoY)
-1.90%
Earnings (YoY)
-7.80%

Profitability & Returns

ROCE
-
ROE
11.97%
ROA
1.25%
Profit Margin
32.20%
Op Margin
41.75%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.83
EPS (TTM)
$3.78

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$343.50M
Total Assets
$4.46B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.56%
Chg in Prom Hold
-0.00%
FII / Inst Holding
47.61%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$512.80M
Total Revenue (TTM)
$169.92M
EBITDA
-
Free Cash Flow
$25.19M
Operating Cash Flow
$31.81M
Shares Outstanding
14.95M
Gross Margin
0.00%
Payout Ratio
30.42%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 COFS ChoiceOne Financial Services, Inc. R2KR3KFINANCIAL 34.30 9.07 $512.80M 3.39% - 11.97% 25.72% 6.03%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue -------------------------------32.48M--31.23M42.83M44.74M42.94M42.46M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------13.65M17.60M17.10M17.54M16.63M-
Pretax Income -----------------------------------17.59M16.67M18.33M16.79M16.68M-
Tax Provision -----------------------------------3.69M3.13M3.65M2.92M2.98M-
Net Income 1.45M1.22M1.27M1.45M1.68M1.69M1.45M1.64M1.72M1.37M1.66M1.83M2.01M1.83M1.64M1.49M1.02M3.03M3.25M4.43M3.83M4.10M6.24M5.04M5.75M5.53M5.62M5.81M5.63M5.21M5.12M5.63M6.59M7.35M-13.91M13.53M14.68M13.87M13.70M-
Diluted EPS 0.440.370.370.410.490.490.400.450.480.370.460.510.550.500.450.410.280.440.450.610.490.520.800.650.750.740.750.770.750.690.680.740.870.85-0.900.970.920.910.83

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -------------81.39M80.79M92.44M161.74M
Cost of Revenue -----------------
Gross Profit -----------------
Operating Expenses -----------------
Operating Income -----------------
EBITDA -----------------
Interest Expense -------------7.75M33.09M46.66M65.89M
Pretax Income -------------27.66M25.57M33.09M34.19M
Tax Provision -------------4.02M4.31M6.36M6.01M
Net Income 1.48M2.71M3.51M4.26M5.09M5.70M5.74M6.09M6.17M7.33M7.17M15.61M-23.64M21.26M26.73M28.18M
Diluted EPS 0.450.831.071.291.541.721.661.681.702.021.582.07-3.152.823.252.01

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --480.52M495.91M508.91M514.58M549.64M567.75M607.37M646.54M670.54M1.39B1.92B2.37B2.39B2.58B2.72B4.41B
Total Equity 52.19M52.93M54.31M57.90M60.51M61.56M66.19M69.84M71.70M76.55M80.48M192.14M227.27M221.67M160.83M195.63M260.42M465.35M
Cash & Equivalents 11.16M19.75M24.07M17.12M19.03M20.48M16.65M11.19M14.81M36.84M19.69M59.56M79.52M31.89M43.94M55.43M96.75M87.99M
Total Liabilities --426.21M438.01M448.41M453.02M483.45M497.90M535.67M569.99M590.07M1.19B1.69B2.15B2.22B2.38B2.46B3.95B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 9.23M9.22M12.54M9.64M10.36M7.47M3.98M10.93M8.09M9.96M9.20M8.48M37.70M44.33M46.33M47.08M31.81M
Investing Cash Flow -1.12M-16.37M-31.12M-16.64M-13.44M-38.67M-22.66M-41.48M-18.30M-43.85M36.35M-250.75M-521.37M-89.81M-181.22M-96.34M106.69M
Financing Cash Flow 471.00K11.47M11.62M8.91M4.52M27.37M13.22M34.17M32.24M16.75M-5.69M262.23M436.04M57.54M146.37M90.58M-147.26M
Capital Expenditure -816.00K-1.51M-499.00K-921.00K-801.00K-786.00K-1.04M-1.82M-1.66M-4.21M-766.00K-1.85M-2.76M-1.16M-4.23M-1.71M-6.63M
Free Cash Flow 8.42M7.71M12.05M8.72M9.56M6.69M2.94M9.11M6.43M5.75M8.44M6.63M34.94M43.16M42.10M45.38M25.19M
Share Buybacks ---75.00K192.00K203.00K371.00K794.00K203.00K523.00K67.00K07.79M682.00K002.68M
Dividends Paid 1.56M1.57M1.58M1.65M1.78M1.95M2.17M2.23M2.32M2.58M5.82M6.17M7.20M7.58M7.91M9.01M16.95M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -------------29.0%26.3%28.9%17.4%
ROE % 2.8%5.0%6.1%7.0%8.3%8.6%8.2%8.5%8.1%9.1%3.7%6.9%-14.7%10.9%10.3%6.1%
ROCE % -----------------

Shareholding Pattern

Insiders
6.56%
Institutions
47.61%
Public Float
50.95%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 15.00% 1.09M $36.26M
2 Northern Trust Corporation 9.33% 676.17K $22.56M
3 Vanguard Capital Management LLC 8.61% 624.27K $20.83M
4 State Street Corporation 6.17% 447.44K $14.93M
5 Geode Capital Management, LLC 5.26% 380.89K $12.71M
6 Alliancebernstein L.P. 4.73% 342.63K $11.43M
7 Dimensional Fund Advisors LP 3.98% 288.65K $9.63M
8 Hotchkis & Wiley Capital Management, LLC 3.14% 227.28K $7.58M
9 Manufacturers Life Insurance Co. 3.03% 219.60K $7.33M
10 AQR Capital Management, LLC 2.84% 205.74K $6.86M

Analyst View

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Latest News

Recent headlines for COFS

Google News Fri, 04 Sep 2026

Empowered Funds LLC Acquires Shares of 46,209 ChoiceOne Financial Services, Inc. $COFS - marketbeat.com

<a href="https://news.google.com/rss/articles/CBMi2wFBVV95cUxNRTlTRkxGcmlCdnc5dkd4MU1KWWJ5Wm9JRjk1WmRVS3l4X181NzQ0SkMxT0lRN0VMdXR2QnVLQ3pnZ1hLVmpLS1ZsRG1sSHVuX2twUjY2cUFyOGVqY1BkdmszNi0yRURDS2sxU0hkZHhuZ1llSnNKTHJUUkIwWXZERXpmRHN4Zjc2cVQxSW…

Google News Fri, 24 Jul 2026

ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Surpass Estimates - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxPdlFJS2tFVWVPcl9MUXB4SGxVN3NtTTgwSlhXek5NcTk5eW83Si1HbzZUczVfQ0thUG5MLUJTa3hnV2V6alJ6Nng0R1dlQWJZWjdZN0VHRVVVU3ZPRlBFblVGZ3hGM29STlhuYU1HVFFqelkxVmxfckhLeHVWU3pEb25nSlRsNUdiWndqNH…

Google News Sun, 30 Aug 2026

Trading Systems Reacting to (COFS) Volatility - Stock Traders Daily

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Google News Wed, 02 Sep 2026

BlackRock Inc. Invests $36.96 Million in ChoiceOne Financial Services, Inc. $COFS - marketbeat.com

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Google News Fri, 05 Jun 2026

ChoiceOne Financial: Modest Growth With More Potential For Later This Year (NASDAQ:COFS) - Seeking Alpha

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Google News Wed, 13 May 2026

Exploring May 2026's Undervalued Small Caps With Insider Buying - simplywall.st

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COFS — Frequently Asked Questions

What is the current share price of ChoiceOne Financial Services, Inc. (COFS)?

As of 2026-09-07 16:24 PDT, ChoiceOne Financial Services, Inc. (COFS) trades at $34.30 on NasdaqCM. Its 52-week range is $25.55 to $34.62.

What is the market capitalisation of COFS?

ChoiceOne Financial Services, Inc. (COFS) has a market capitalisation of $512.80M on NasdaqCM.

What is the P/E ratio of COFS?

COFS trades at a trailing price-to-earnings (P/E) ratio of 9.07. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.06.

Does COFS pay a dividend?

ChoiceOne Financial Services, Inc. (COFS) currently offers a dividend yield of 3.39%.

What is the return on equity (ROE) of COFS?

COFS has a return on equity (ROE) of 11.97%.

Is COFS a good stock to buy?

This page provides a data-driven analysis of ChoiceOne Financial Services, Inc. (COFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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