COFS Stock: Price, Forecast, Financials & AI Analysis

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High

29.250

Open

28.730

VWAP

29.00

Vol

32.00K

Mkt Cap

430.00M

Low

28.670

Amount

941.00K

EV/EBITDA(TTM)

8.00

Total Shares

15.00M

EV

576.00M

EV/OCF(TTM)

--

P/S(TTM)

3.00

ChoiceOne Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank and The State Bank. It operates 56 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair, Macomb, Genesee, Jackson, Livingston, Ingham, Saginaw, Shiawassee, and Bay counties. It offers deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, and demand deposits, safe deposit services, and automated transaction machine services. Commercial lending covers such categories as business, industry, agricultural, construction, inventory, and real estate. It provides services to small businesses and consumers in West, Central and Southeast Michigan a line of products and services delivered through a retail network including digital and branch banking. It offers insurance and investment products through ChoiceOne Insurance Agencies, Inc.

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Events Timeline

(ET)

2025-10-24

07:33:17

ChoiceOne Financial announces Q3 adjusted EPS of 97 cents, surpassing consensus estimate of 86 cents.

2025-07-25 (ET)

2025-07-25

07:16:50

ChoiceOne Financial reports Q2 adjusted EPS 91c, consensus 78c

2025-04-30 (ET)

2025-04-30

08:04:57

ChoiceOne Financial reports Q1 EPS $1.29 vs. 74c last year

2025-03-03 (ET)

2025-03-03

13:12:23

Janney upgrades ChoiceOne Financial to Buy after Fentura deal

2025-02-12 (ET)

2025-02-12

15:27:04

ChoiceOne Financial approved for merger with Fentura Financial

2025-01-22 (ET)

2025-01-22

15:08:09

ChoiceOne Financial reports Q4 EPS 83c vs. 70c last year

2024-12-13 (ET)

2024-12-13

07:26:53

ChoiceOne Financial, Fentura Financial shareholders approve merger

News

an image of PRnewswire

01-27PRnewswire

PinnedChoiceOne Bank Launches Annual Scholarship Program for Students

an image of PRnewswire

01-22PRnewswire

ChoiceOne Bank Partners with FHLBank to Fund $1 Million Housing Initiative

an image of Newsfilter

01-22Newsfilter

ChoiceOne Bank Partners with FHLBank to Fund $1 Million Housing Initiative

an image of Yahoo Finance

01-03Yahoo Finance

ChoiceOne Financial Services Insiders Buy $143K in Shares

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2025-12-04SeekingAlpha

ChoiceOne Financial Services announces a dividend of $0.29

an image of PRnewswire

2025-10-24PRnewswire

ChoiceOne Reports Third Quarter 2025 Results

Valuation Metrics

The current forward P/E ratio for ChoiceOne Financial Services Inc (COFS.O) is 8.21, compared to its 5-year average forward P/E of 5.32. For a more detailed relative valuation and DCF analysis to assess ChoiceOne Financial Services Inc 's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

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5Y Average PE

5.32

Current PE

8.21

Overvalued PE

9.62

Undervalued PE

1.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

an image of dotted line Image

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

an image of dotted line Image

N/A

5Y Average PS

0.47

Current PS

2.48

Overvalued PS

1.43

Undervalued PS

-0.49

Financials

AI Analysis

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Quarterly

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Whales Holding COFS

Tontine Management, LLC

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Frequently Asked Questions

What is ChoiceOne Financial Services Inc (COFS) stock price today?

The current price of COFS is 29.06 USD — it has increased 1.96 % in the last trading day.

What is ChoiceOne Financial Services Inc (COFS)'s business?

ChoiceOne Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank and The State Bank. It operates 56 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair, Macomb, Genesee, Jackson, Livingston, Ingham, Saginaw, Shiawassee, and Bay counties. It offers deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, and demand deposits, safe deposit services, and automated transaction machine services. Commercial lending covers such categories as business, industry, agricultural, construction, inventory, and real estate. It provides services to small businesses and consumers in West, Central and Southeast Michigan a line of products and services delivered through a retail network including digital and branch banking. It offers insurance and investment products through ChoiceOne Insurance Agencies, Inc.

What is the price predicton of COFS Stock?

Wall Street analysts forecast COFS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for COFS is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is ChoiceOne Financial Services Inc (COFS)'s revenue for the last quarter?

ChoiceOne Financial Services Inc revenue for the last quarter amounts to 40.00M USD, increased 84.97 % YoY.

What is ChoiceOne Financial Services Inc (COFS)'s earnings per share (EPS) for the last quarter?

ChoiceOne Financial Services Inc. EPS for the last quarter amounts to 0.97 USD, increased 14.12 % YoY.

How many employees does ChoiceOne Financial Services Inc (COFS). have?

ChoiceOne Financial Services Inc (COFS) has 336 emplpoyees as of January 29 2026.

What is ChoiceOne Financial Services Inc (COFS) market cap?

Today COFS has the market capitalization of 430.00M USD.