CHOICEONE FINANCIAL SVCS INC
COFSNASDAQTrading Snapshot
- Day Range
- $32.44 – $33.00
- 52-Week Range
- $26.10 – $35.40
- Volume
- $2.13B
- Avg Volume
- $2.08B
- Shares Outstanding
- 15.0M
- Next Earnings
- Dec 2, 2026
Fundamentals Snapshot
- Annual Revenue
- $193M
- Last Q Revenue
- $1M
- P/E Ratio
- 9.0
- P/S Ratio
- 2.7x
- EPS (TTM)
- $3.64
- Dividend Yield
- 3.54%
- Dilution (1yr)
- +76.3%
Why Investors Own COFS
- ✓High-growth profile — revenue up +6.6% YoY with expanding US Equity exposure.
- ✓Healthy economics — 65% gross margin and 29% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
CHOICEONE FINANCIAL SVCS INC
COFS
StockOtter · stockotter.spaceAbout CHOICEONE FINANCIAL SVCS INC
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)Analyst Ratings
ⓘLatest News & Updates
ChoiceOne Bank Receives Habitat for Humanity of Kent County Opportunity Award
SPARTA, Mich., Sept. 11, 2026 /PRNewswire/ -- ChoiceOne Financial Services, Inc., and ChoiceOne Bank (NASDAQ: COFS) ("ChoiceOne") are proud to receive the 2026 Habitat for Humanity of Kent County Opportunity Award, recog
BlackRock Inc. Invests $36.96 Million in ChoiceOne Financial Services, Inc. $COFS
BlackRock Inc. bought a new stake in ChoiceOne Financial Services, Inc. (NASDAQ: COFS) in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The ins
ChoiceOne Financial Services (COFS) Upgraded to Buy: Here's What You Should Know
ChoiceOne Financial Services (COFS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Surpass Estimates
ChoiceOne Financial Services, Inc. (COFS) came out with quarterly earnings of $0.93 per share, beating the Zacks Consensus Estimate of $0.88 per share. This compares to earnings of $0.91 per share a year ago.
ChoiceOne Reports Second Quarter 2026 Results
SPARTA, Mich., July 24, 2026 /PRNewswire/ -- ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2026.
Why ChoiceOne Financial Services (COFS) is Poised to Beat Earnings Estimates Again
ChoiceOne Financial Services (COFS) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.