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  3. COFS
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COFS

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    Overview
    Forecast
    Valuation
    Earnings
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
43.80M
+79.93%
0.903
+8.83%
43.10M
+38%
0.857
-0.39%
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0.873
-4.03%
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 1.34% over the past three months. During the same period, the stock price has changed by 2.86%.
Revenue Estimates for FY2025
Revise Upward
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+1.34%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
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+3.93%
In Past 3 Month
Stock Price
Go Up
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+2.86%
In Past 3 Month

Valuation Metrics

The current forward P/E ratio for ChoiceOne Financial Services Inc (COFS.O) is 8.97, compared to its 5-year average forward P/E of 5.11. For a more detailed relative valuation and DCF analysis to assess ChoiceOne Financial Services Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

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
Fair
5Y Average PE
5.11
Current PE
8.97
Overvalued PE
9.45
Undervalued PE
0.77

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
0.42
Current PS
0.00
Overvalued PS
1.33
Undervalued PS
-0.49
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Financials

Annual
Quarterly
N/A
Total Revenue
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Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
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Free Cash Flow
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FCF Margin - %
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Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders areBuying! The selling amount has increased 47718.79% over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders areBuying! The selling amount has increased 47718.79% over the last month.
Sold
Bought
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COFS News & Events

Events Timeline

(ET)
2025-10-24
07:33:17
ChoiceOne Financial announces Q3 adjusted EPS of 97 cents, surpassing consensus estimate of 86 cents.
select
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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News

[object Object]
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8.0
12-04SeekingAlpha
ChoiceOne Financial Services announces a dividend of $0.29
  • Dividend Declaration: ChoiceOne Financial Services (COFS) has announced a quarterly dividend of $0.29 per share.
  • Payment Details: The dividend will be payable on December 31 to shareholders of record as of December 15, with an ex-dividend date also set for December 15.
  • Additional Resources: Information regarding COFS's dividend scorecard, yield chart, and dividend growth is available for investors.
  • Financial Insights: Seeking Alpha provides a Quant Rating and historical earnings data for ChoiceOne Financial Services.
[object Object]
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9.5
10-24PRnewswire
ChoiceOne Reports Third Quarter 2025 Results

  • Merger Impact: ChoiceOne Financial Services completed the merger with Fentura Financial, significantly increasing total assets to $4.3 billion and resulting in net income of $14.7 million for Q3 2025, compared to $7.3 million in Q3 2024.

  • Financial Performance: The company reported diluted earnings per share of $0.97 for Q3 2025, up from $0.85 in the same period last year, with a notable increase in net interest income driven by the merger.

  • Asset Quality: ChoiceOne maintained strong asset quality, with nonperforming loans at 0.69% of total loans and annualized net loan charge-offs at just 0.03% as of September 30, 2025.

  • Future Outlook: Management expressed confidence in ongoing growth and value creation for stakeholders, emphasizing a focus on core business operations following the merger.

[object Object]
Preview
9.5
07-25Yahoo Finance
ChoiceOne Reports Second Quarter 2025 Results

  • Financial Performance Overview: ChoiceOne Financial Services, Inc. reported significant growth in total assets and net income for Q2 2025, following its merger with Fentura Financial, resulting in $4.3 billion in assets and a net income of $13.5 million, compared to a loss in the previous year.

  • Operational Highlights: The merger contributed to an increase in loans and deposits, with core loans growing by $1.4 billion, while the company maintained strong asset quality despite a slight decline in deposits due to seasonal fluctuations.

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FAQ

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

The current price of COFS is 31.63 USD — it has decreased -0.22 % in the last trading day.

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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.

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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.

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

ChoiceOne Financial Services Inc revenue for the last quarter amounts to 39.99M USD, increased 84.97 % YoY.

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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.

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What changes have occurred in the market's expectations for ChoiceOne Financial Services Inc (COFS)'s fundamentals?

The market is revising Upward the revenue expectations for ChoiceOne Financial Services, Inc. (COFS) for FY2025, with the revenue forecasts being adjusted by 1.34% over the past three months. During the same period, the stock price has changed by 2.86%.
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How many employees does ChoiceOne Financial Services Inc (COFS). have?

ChoiceOne Financial Services Inc (COFS) has 336 emplpoyees as of December 05 2025.

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

Today COFS has the market capitalization of 475.20M USD.

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