COFS

ChoiceOne Financial Services Inc

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Advanced Chart

30.860

0(0.000%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

31.040

Open

30.920

VWAP

30.77

Vol

43.37K

Mkt Cap

463.36M

Low

30.590

Amount

1.33M

EV/EBITDA(TTM)

8.53

Total Shares

7.57M

554.93M

EV/OCF(TTM)

10.25

P/S(TTM)

3.08

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

0.860

-7.53%

0.870

+4.82%

0.847

-1.55%

Estimates Revision

The market is revising Upward the revenue expectations for ChoiceOne Financial Services, Inc. (COFS) for FY2025, with the revenue forecasts being adjusted by 0.7% over the past three months. During the same period, the stock price has changed by 6.01%.

Revenue Estimates for FY2025

Revise Upward

+0.7%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+2.35%

In Past 3 Month

Stock Price

Go Up

+6.01%

In Past 3 Month

2 Analyst Rating

Wall Street analysts forecast COFS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for COFS is 34.50 USD with a low forecast of 33.00 USD and a high forecast of 36.00 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.

1 Buy

1 Hold

0 Sell

Moderate Buy

Current: 30.860

Low

33.00

Averages

34.50

High

36.00

Current: 30.860

Low

33.00

Averages

34.50

High

36.00

Janney Montgomery Scott

Daniel Cardenas

Hold

Strong Buy

Upgrades

n/a

2025-03-03

Reason

Janney Montgomery Scott

Daniel Cardenas

Price Target

n/a

2025-03-03

Upgrades

Hold

Strong Buy

Reason

DA Davidson

Jeff Rulis

Strong Buy

Initiates

$37

2024-10-18

Reason

DA Davidson

Jeff Rulis

Price Target

$37

2024-10-18

Initiates

Strong Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for ChoiceOne Financial Services Inc (COFS.O) is 8.95, compared to its 5-year average forward P/E of 4.66. 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.

Fair

5Y Average PE

4.66

Current PE

8.95

Overvalued PE

9.07

Undervalued PE

0.25

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.

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.

N/A

5Y Average PS

0.29

Current PS

2.74

Overvalued PS

1.06

Undervalued PS

-0.48

Financials

Annual

Quarterly

FY2025Q2

YoY :

+94.53%

37.61M

Total Revenue

FY2025Q2

YoY :

+107.21%

17.48M

Operating Profit

FY2025Q2

YoY :

+105.50%

13.53M

Net Income after Tax

FY2025Q2

YoY :

+3.45%

0.90

EPS - Diluted

FY2025Q2

YoY :

+18.91%

-52.22M

Free Cash Flow

FY2025Q2

YoY :

-63.57%

46.37

FCF Margin - %

FY2025Q2

YoY :

+5.67%

35.99

Net Margin - %

FY2025Q2

YoY :

-100.00%

N/A

ROIC

Trading Trends

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

0.0

USD

3-6

Months

0.0

USD

6-9

Months

0.0

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

33.1K

USD

Months

0-12

0.0

USD

Months

Hedge Fund

Hedge Funds are Neutral. There are no significant trading trends over the last quarter.

Sold

0-3

Months

0.0

Volume

3-6

Months

0.0

Volume

6-9

Months

0.0

Volume

0-12

Months

0.0

Volume

Bought

0-3

0.0

Volume

Months

3-6

231.8K

Volume

Months

6-9

0.0

Volume

Months

0-12

0.0

Volume

Months

Congress Trading

Congress are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

0.0

USD

3-6

Months

0.0

USD

6-9

Months

0.0

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

0.0

USD

Months

0-12

0.0

USD

Months

Insider

Insiders are Neutral. There are no significant trading trends over the last month.

Sold

0-3

Months

0.0

USD

3-6

Months

0.0

USD

6-9

Months

0.0

USD

0-12

Months

0.0

USD

Bought

0-3

0.0

USD

Months

3-6

0.0

USD

Months

6-9

33.1K

USD

Months

0-12

0.0

USD

Months

COFS News & Events

Events Timeline

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

News

9.5

07-25Yahoo Finance

ChoiceOne Reports Second Quarter 2025 Results

9.5

07-25NASDAQ.COM

CHOICEONE FINANCIAL SERVICES INCORPORATED Q2 Profit Increases, Beats Estimates

5.0

05-21Newsfilter

Chairman Jack G. Hendon Retires from ChoiceOne Boards of Directors, Gregory A. McConnell Appointed Chairman of ChoiceOne Boards of Directors, Roxanne M. Page Appointed Vice Chairwoman of ChoiceOne Boards of Directors