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COFS Overview

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Intellectia

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High
31.330
Open
31.330
VWAP
31.11
Vol
11.84K
Mkt Cap
470.84M
Low
31.000
Amount
368.37K
EV/EBITDA(TTM)
7.12
Total Shares
14.96M
EV
620.10M
EV/OCF(TTM)
--
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.
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Events Timeline

(ET)
2026-04-24
07:40:00
ChoiceOne Q1 Nonperforming Loans Rise to 1.01%
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2026-01-30 (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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News

seekingalpha
9.5
04-24seekingalpha
ChoiceOne Financial Services Q1 Earnings Report
  • Earnings Per Share: ChoiceOne Financial Services reported a GAAP EPS of $0.91 for Q1, indicating stable profitability despite market challenges, which may reassure investors about the company's financial health.
  • Revenue Performance: The company generated revenue of $42.45 million, reflecting ongoing growth in its operations and demonstrating robust customer demand and retention of market share.
  • Financial Health: ChoiceOne's financial data indicates effective cost management and resource optimization, laying a solid foundation for future investments and expansions, thereby enhancing investor confidence.
  • Dividend Analysis: The dividend scorecard for ChoiceOne Financial Services highlights its commitment to shareholder returns, increasing its attractiveness to investors, particularly in the current economic climate.
PRnewswire
9.5
04-24PRnewswire
ChoiceOne Financial Services Reports Solid Q1 Performance with Increased Net Income
  • Net Income Growth: ChoiceOne reported a net income of $13.7 million for Q1 2026, a significant improvement from a net loss of $13.9 million in Q1 2025, reflecting the company's ongoing efforts in customer relationships and strategic priorities.
  • Asset Growth: As of March 31, 2026, ChoiceOne's total assets reached $4.4 billion, an increase of $89.2 million compared to the same period in 2025, primarily driven by growth in securities and mortgage advances, demonstrating effective asset management.
  • Stable Loan Quality: The nonperforming loans ratio stood at 1.01% in Q1 2026, slightly up from 0.98% in December 2025, yet overall credit quality remains stable, indicating effective risk management practices by the company.
  • Increase in Shareholder Equity: ChoiceOne's shareholder equity rose to $470 million in Q1 2026, up $42.9 million from the same period in 2025, reflecting a strong capital position and ongoing share repurchase efforts to enhance shareholder value.
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.

Valuation Metrics

The current forward P/E ratio for ChoiceOne Financial Services Inc (COFS.O) is 7.79, compared to its 5-year average forward P/E of 5.80. 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
5.80
Current PE
7.79
Overvalued PE
9.91
Undervalued PE
1.69

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
1.08
Current EV/EBITDA
6.16
Overvalued EV/EBITDA
5.34
Undervalued EV/EBITDA
-3.17

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
0.63
Current PS
2.60
Overvalued PS
1.69
Undervalued PS
-0.43

Financials

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Whales Holding COFS

T
Tontine Management, LLC
Holding
COFS
+32.41%
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 31 USD — it has decreased -1.52

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 37.84M USD, increased 38.30

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 0.91 USD, decreased -170.00

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

ChoiceOne Financial Services Inc (COFS) has 505 emplpoyees as of May 11 2026.

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

Today COFS has the market capitalization of 470.84M USD.