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COFS Overview

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$
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ET
$
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ET
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Intellectia

Loading chart...

High
28.730
Open
27.970
VWAP
28.18
Vol
99.43K
Mkt Cap
420.63M
Low
27.770
Amount
2.80M
EV/EBITDA(TTM)
7.93
Total Shares
15.00M
EV
645.89M
EV/OCF(TTM)
--
P/S(TTM)
2.73
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)
2026-01-30
07:40:00
ChoiceOne Q4 Net Interest Margin Falls to 3.63%
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2025-10-24 (ET)
2025-10-24
07:33:17
ChoiceOne Financial announces Q3 adjusted EPS of 97 cents, surpassing consensus estimate of 86 cents.
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2025-07-25 (ET)
2025-07-25
07:16:50
ChoiceOne Financial reports Q2 adjusted EPS 91c, consensus 78c
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2025-04-30 (ET)
2025-04-30
08:04:57
ChoiceOne Financial reports Q1 EPS $1.29 vs. 74c last year
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2025-03-03 (ET)
2025-03-03
13:12:23
Janney upgrades ChoiceOne Financial to Buy after Fentura deal
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2025-02-12 (ET)
2025-02-12
15:27:04
ChoiceOne Financial approved for merger with Fentura Financial
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2025-01-22 (ET)
2025-01-22
15:08:09
ChoiceOne Financial reports Q4 EPS 83c vs. 70c last year
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2024-12-13 (ET)
2024-12-13
07:26:53
ChoiceOne Financial, Fentura Financial shareholders approve merger
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News

seekingalpha
8.0
02-26seekingalpha
ChoiceOne Financial Services Declares Quarterly Dividend
  • Quarterly Dividend Announcement: ChoiceOne Financial Services has declared a quarterly dividend of $0.29 per share, consistent with previous distributions, reflecting the company's stable cash flow and profitability, which enhances investor confidence.
  • Yield Performance: The forward yield of 3.93% offers investors a relatively attractive return, potentially drawing more attention from those seeking stable income from their investments in the company’s stock.
  • Payment Schedule: The dividend is payable on March 31, with a record date of March 13 and an ex-dividend date also set for March 13, ensuring shareholders receive their dividends promptly, thereby reinforcing shareholder loyalty.
  • Financial Transparency: ChoiceOne Financial Services provides a detailed dividend scorecard and earnings data, enhancing market trust in its financial health while also offering potential investors a basis for their decision-making.
seekingalpha
9.5
01-30seekingalpha
ChoiceOne Financial Services Reports Strong Q4 Earnings
  • Earnings Performance: ChoiceOne Financial Services reported a non-GAAP EPS of $0.92 for Q4, indicating stable growth in profitability, which reflects effective cost control and revenue management strategies.
  • Revenue Growth: The company achieved total revenue of $42.9 million in Q4, showing an increase compared to the same period last year, suggesting that ChoiceOne has maintained strong sales momentum in a competitive market, thereby enhancing its market share.
  • Financial Health: The financial data from ChoiceOne indicates robustness in its balance sheet, with continuous revenue growth providing funding support for future investments and expansions, thereby boosting investor confidence.
  • Dividend Performance: ChoiceOne's dividend scorecard reflects its commitment to shareholder returns, and a stable dividend policy may attract more long-term investors, further enhancing the company's market appeal.
PRnewswire
9.5
01-30PRnewswire
ChoiceOne Financial Services Reports Strong 2025 Financial Results Post-Merger
  • Successful Merger: ChoiceOne's merger with Fentura and its subsidiary, The State Bank, completed on March 1, 2025, propelled total assets to $4.4 billion, an increase of $1.7 billion from 2024, significantly enhancing market competitiveness.
  • Net Income Growth: ChoiceOne reported net income of $13.87 million in Q4 2025, a 94.5% increase from $7.16 million in Q4 2024, reflecting strong financial performance driven by the merger.
  • Core Loan Increase: Core loans grew by $55.6 million or 7.6% year-over-year in Q4 2025, with organic growth of $86.1 million for the full year, indicating sustained strong loan demand.
  • Increased Shareholder Equity: As of December 31, 2025, ChoiceOne's shareholder equity reached $465.4 million, up 78.5% from 2024, primarily due to the merger and stock repurchase plan, enhancing the robustness of its capital structure.
PRnewswire
8.5
01-27PRnewswire
ChoiceOne Bank Launches Annual Scholarship Program for Students
  • Scholarship Program Launch: ChoiceOne Bank has announced that applications are now open for its 2026 scholarship program, offering $1,000 each to 19 high school seniors from local Michigan communities to support their higher education pursuits.
  • Eligibility Criteria: The program is designed for graduating seniors, GED recipients, and homeschooled students with high school equivalency documentation who plan to attend an accredited Michigan college in the fall of 2026, encouraging and rewarding local talent.
  • Application Requirements: Applicants must submit a 500-word essay detailing their community service experiences and supporting documents by March 8, with scholarships paid directly to the chosen college, thereby alleviating financial burdens on students.
  • Community Commitment: ChoiceOne Bank President Michael J. Burke, Jr. emphasized the bank's commitment to helping students continue their education, reflecting its responsibility to invest in future community leaders and mitigate the financial pressures of college attendance.
PRnewswire
7.5
01-22PRnewswire
ChoiceOne Bank Partners with FHLBank to Fund $1 Million Housing Initiative
  • Funding Support: ChoiceOne Bank, in partnership with the Federal Home Loan Bank of Indianapolis, has awarded a $1 million Affordable Housing Program (AHP) grant to Fresh Coast Alliance, aimed at enhancing housing stability and supporting low-income families.
  • Housing Expansion: The grant will fund renovations to four of Fresh Coast Alliance's sober living homes, increasing housing capacity by 10%, thereby providing additional beds for men and women rebuilding their lives after incarceration or addiction.
  • Community Commitment: ChoiceOne CEO Kelly Potes emphasized that this partnership represents more than just financial support; it reflects a shared commitment to dignity and long-term success, sending a powerful message about the community's belief in second chances.
  • Education and Development: ChoiceOne Bank plans to donate to Fresh Coast Alliance and initiate financial education classes, further investing in the community and promoting neighborhood development and healthier communities.
Newsfilter
7.5
01-22Newsfilter
ChoiceOne Bank Partners with FHLBank to Fund $1 Million Housing Initiative
  • Funding Support: ChoiceOne Bank, in partnership with the Federal Home Loan Bank of Indianapolis, has awarded a $1 million Affordable Housing Program (AHP) grant to Fresh Coast Alliance, aimed at enhancing housing stability and supporting low-income families.
  • Housing Expansion: The grant will fund renovations to four of Fresh Coast Alliance's sober living homes, expected to increase housing capacity by 10%, providing additional beds for men and women rebuilding their lives after incarceration or addiction.
  • Community Commitment: Executives at ChoiceOne Bank emphasized that this partnership reflects a shared commitment to dignity and long-term success, sending a powerful message about the community's belief in second chances and promoting social stability.
  • Education and Development: ChoiceOne Bank also plans to donate to Fresh Coast Alliance and initiate financial education classes, further strengthening its investment in the community and fostering neighborhood development and healthier communities.

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 5.44. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
5.44
Current PE
8.21
Overvalued PE
9.72
Undervalued PE
1.17

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.48
Current PS
2.48
Overvalued PS
1.45
Undervalued PS
-0.48

Financials

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Whales Holding COFS

T
Tontine Management, LLC
Holding
COFS
-1.76%
3M Return

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Frequently Asked Questions

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

The current price of COFS is 28.04 USD — it has increased 0.32

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 38.45M USD, increased 75.36

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 0.92 USD, increased 16.46

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

ChoiceOne Financial Services Inc (COFS) has 569 emplpoyees as of March 11 2026.

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

Today COFS has the market capitalization of 420.63M USD.