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ChoiceOne Financial Services, Inc. (COFS)

Profile

Full Name

ChoiceOne Financial Services, Inc.

Ticker

NASDAQ: COFS

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

June 21, 2001

Indexes

Not included

Website

https://www.choiceone.bank

Employees

571

Key Details

Price

$28.42(1.14%)

Market Cap

$426.73M(Small cap)

Last Dividend

$0.28

TTM Dividend Yield

3.94%

Annual Revenue

$138.90M(21.70% YoY)

Annual EPS

$3.25(15.79% YoY)

PE Ratio

22.91

Next earnings date

Oct 24, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $28.42
    COFS price is $28.42

    30-Day Relative Volume

    2.49
    COFS 30-day relative volume is 2.49

    Price Performance

    Price Most Recent Change

    +1.14%
    COFS price was up +1.14% on Oct 3, 2025

    Price YTD Change

    -20.26%
    COFS price is down -20.26% since January 1st

    Price 1-Year Change

    -4.28%
    COFS price is down -4.28% year-on-year

    Price 3-Year Change

    +28.6%
    COFS price is up +28.6% over the past 3 years

    Price Range

    Price All-Time High

    $38.15
    COFS price is currently -25.50% below its historical high of $38.15

    Price 3-Year Low

    $15.84
    COFS price is currently +79.42% above its 3-year low

    Capitalization

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    Market cap

    Market Cap

    $426.73M
    COFS market cap is $426.73 million

    Market Cap 3-Year Change

    +157.11%
    COFS market cap is up +157.11% over the past 3 years

    Market Cap All-Time High

    $478.11M
    COFS market cap is currently -10.75% below its historical high of $478.11 million

    Market Cap Sector Percentile

    49.22%
    COFS market cap is higher than 49.22% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +67.58%
    COFS shares outstanding is up +67.58% year-on-year

    Shares Outstanding 3-Year Change

    +99.93%
    COFS shares outstanding is up +99.93% over the past 3 years

    Technical Indicators

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    Beta

    0.74
    COFS beta is 0.74

    200-day SMA

    $30.34
    COFS price is currently -6.32% below its 200-day simple moving average

    50-day SMA

    $29.84
    COFS price is currently -4.75% below its 50-day simple moving average

    14-Day RSI

    32.81
    COFS 14-day relative strength index is 32.81

    Volume

    2.49
    COFS 30-day relative volume is 2.49

    ATR

    $0.74
    COFS average true range is $0.74

    10-day Historical Volatility

    12.63%
    COFS 10-day historical volatility is 12.63%

    Dividend

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    Events

    Last Paid Dividend

    $0.28
    COFS last dividend was $0.28 per share, with an ex-dividend date of September 15, 2025

    Next Dividend

    -
    COFS next dividend has not yet been announced

    Dividend per share

    Dividend Per Share

    $1.09
    COFS annual dividend per share is $1.09

    Dividend Per Share Sector Percentile

    57.16%
    COFS annual dividend per share is higher than 57.16% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    +3.81%
    COFS annual dividend per share is up +3.81% year-on-year

    Dividend Per Share 3-Year Change

    +15.96%
    COFS annual dividend per share is up +15.96% over the past 3 years

    Dividend yield

    Dividend Yield

    3.84%
    COFS annual dividend yield is 3.84%

    Dividend Yield Sector Percentile

    44.39%
    COFS annual dividend yield is higher than 44.39% of companies in Financial Services sector

    Other

    Payout Ratio

    33.72%
    COFS annual payout ratio is 33.72%

    Dividends Paid

    $9.01M
    COFS annual dividends paid is $9.01 million

    Free Cash Flow

    $46.94M
    COFS annual free cash flow is $46.94 million

    Income Statement

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    Revenue

    Revenue

    $138.90M
    COFS annual revenue is $138.90 million

    Revenue Analysts Estimate

    $160.50M
    COFS annual revenue is currently -13.46% lower than the consensus analysts' forecast

    Revenue 1-Year Change

    +21.7%
    COFS annual revenue is up +21.7% year-on-year

    Revenue Sector Percentile

    54.46%
    COFS annual revenue is higher than 54.46% of companies in Financial Services sector

    EPS

    EPS

    $3.25
    COFS annual earnings per share is $3.25

    EPS Analysts Estimate

    $3.48
    COFS annual earnings per share is currently -6.49% lower than the consensus analysts' forecast

    EPS 1-Year Change

    +15.79%
    COFS annual earnings per share is up +15.79% year-on-year

    EPS Sector Percentile

    78.55%
    COFS annual earnings per share is higher than 78.55% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    COFS annual gross profit is $0.00

    Gross Margin

    0.00%
    COFS annual gross profit margin is 0.00%

    Operating Profit

    $34.13M
    COFS annual operating income is $34.13 million

    Operating Margin

    24.57%
    COFS annual operating profit margin is 24.57%

    Net Income

    $26.73M
    COFS annual net profit is $26.73 million

    Net Margin

    19.24%
    COFS annual net profit margin is 19.24%

    Expenses

    Total Expenses

    $112.18M
    COFS annual total expenses is $112.18 million

    Operating Expenses

    -$34.13M
    COFS annual total operating expenses is -$34.13 million

    Cost Of Goods Sold

    -
    COFS annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    COFS annual SG&A is $0.00

    Depreciation & Amortization

    $12.33M
    COFS annual D&A is $12.33 million

    Interest Expense

    $46.66M
    COFS annual interest expense is $46.66 million

    Income Tax

    $6.36M
    COFS annual income tax is $6.36 million

    EBIT & EBITDA

    EBIT

    $79.75M
    COFS annual earnings before interest & taxes is $79.75 million

    EBITDA

    $92.08M
    COFS annual EBITDA is $92.08 million

    Balance Sheet

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    Assets

    Total Assets

    $2.74B
    COFS annual total assets is $2.74 billion

    Non Current Assets

    $2.57B
    COFS annual long term assets is $2.57 billion

    Current Assets

    $104.32M
    COFS annual total current assets is $104.32 million

    Cash and Cash Equivalents

    $96.40M
    COFS annual cash & cash equivalents is $96.40 million

    Accounts Receivable

    -
    COFS annual accounts receivable value is unknown

    Inventory

    -
    COFS annual inventory value is unknown

    Liabilities

    Total Liabilities

    $2.48B
    COFS annual total liabilities is $2.48 billion

    Long Term Liabilities

    $58.26M
    COFS annual total long term liabilities is $58.26 million

    Current Liabilities

    $2.03B
    COFS annual current liabilities is $2.03 billion

    Accounts Payable

    -
    COFS annual accounts payable value is unknown

    Debt

    Total Debt

    $211.37M
    COFS annual total debt is $211.37 million

    Total Debt 1-Year Change

    -10.52%
    COFS annual total debt is down -10.52% year-on-year

    Long Term Debt

    $56.06M
    COFS annual long term debt is $56.06 million

    Short Term Debt

    $155.31M
    COFS annual short term debt is $155.31 million

    Equity & Capital

    Shareholders Equity

    $260.42M
    COFS annual stockholders equity is $260.42 million

    Book Value

    $260.42M
    COFS annual book value is $260.42 million

    Retained Earnings

    $91.41M
    COFS annual retained earnings is $91.41 million

    Working Capital

    -$1.92B
    COFS annual working capital is -$1.92 billion

    Cash Flow Statement

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    Cashflow Activities

    Cash From Operations

    $48.65M
    COFS annual cash from operations is $48.65 million

    Cash From Operations 1-Year Change

    +7.56%
    COFS annual cash from operations is up +7.56% year-on-year

    Cash From Investing

    -$97.91M
    COFS annual cash from investing is -$97.91 million

    Cash From Investing 1-Year Change

    +45.64%
    COFS annual cash from investing is up +45.64% year-on-year

    Cash From Financing

    $90.58M
    COFS annual cash from financing is $90.58 million

    Cash From Financing 1-Year Change

    -38.12%
    COFS annual cash from financing is down -38.12% year-on-year

    CAPEX

    CAPEX

    $1.71M
    COFS annual capital expenditures is $1.71 million

    CAPEX 1-Year Change

    -59.71%
    COFS annual capital expenditures is down -59.71% year-on-year

    Free Cash Flow

    Free Cash Flow

    $46.94M
    COFS annual free cash flow is $46.94 million

    Free Cash Flow 1-Year Change

    +14.51%
    COFS annual free cash flow is up +14.51% year-on-year

    Profitability Ratios

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    Margins

    Gross Margin

    0.00%
    COFS annual gross profit margin is 0.00%

    Operating Margin

    24.57%
    COFS annual operating profit margin is 24.57%

    Net Margin

    19.24%
    COFS annual net profit margin is 19.24%

    ROA & ROE

    ROA

    1.00%
    COFS annual return on assets is 1.00%

    ROE

    11.72%
    COFS annual return on equity is 11.72%

    Valuation

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    PE Ratio

    PE Ratio

    22.91
    COFS price to earnings ratio is 22.91

    PE Ratio Sector Percentile

    68.01%
    COFS price to earnings ratio is higher than 68.01% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    0.99
    COFS price to book ratio is 0.99

    PB Ratio Sector Percentile

    30.22%
    COFS price to book ratio is higher than 30.22% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    2.41
    COFS price to sales ratio is 2.41

    PS Ratio Sector Percentile

    59.97%
    COFS price to sales ratio is higher than 59.97% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $518.49M
    COFS enterprise value is $518.49 million

    Enterprise Value Sector Percentile

    48.48%
    COFS enterprise value is higher than 48.48% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    COFS EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    COFS EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current Ratio

    0.05
    COFS annual current ratio is 0.05

    Quick Ratio

    -
    COFS annual quick ratio value is unknown

    Leverage

    Debt To Equity

    0.81
    COFS annual debt to equity ratio is 0.81

    Interest Coverage Ratio

    1.71
    COFS annual interest coverage ratio is 1.71

    Risk & Stability

    F-Score

    4
    COFS piotroski f-score is 4

    Altman Z-Score

    -0.54
    COFS altman z-score is -0.54

    Analyst ratings

    Recent major analysts updates

    Mar 3, 25 Janney Montgomery Scott
    Buy
    Jan 27, 25 DA Davidson
    Buy
    Oct 18, 24 DA Davidson
    Buy
    Sep 27, 23 Janney Montgomery Scott
    Neutral

    Institutional Ownership

    Screeners with COFS included

    Growing Shares Outstanding
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    NASDAQ Listed Companies
    • What is the ticker symbol for ChoiceOne Financial Services, Inc.?
    • Does ChoiceOne Financial Services, Inc. pay dividends?
    • What sector is ChoiceOne Financial Services, Inc. in?
    • What industry is ChoiceOne Financial Services, Inc. in?
    • What country is ChoiceOne Financial Services, Inc. based in?
    • When did ChoiceOne Financial Services, Inc. go public?
    • Is ChoiceOne Financial Services, Inc. in the S&P 500?
    • Is ChoiceOne Financial Services, Inc. in the NASDAQ 100?
    • Is ChoiceOne Financial Services, Inc. in the Dow Jones?
    • When was ChoiceOne Financial Services, Inc.'s last earnings report?
    • When does ChoiceOne Financial Services, Inc. report earnings?

    What is the ticker symbol for ChoiceOne Financial Services, Inc.?

    The ticker symbol for ChoiceOne Financial Services, Inc. is NASDAQ:COFS

    Does ChoiceOne Financial Services, Inc. pay dividends?

    Yes, ChoiceOne Financial Services, Inc. pays dividends. The last payment was $0.28, with an ex-dividend date on September 15, 2025

    What sector is ChoiceOne Financial Services, Inc. in?

    ChoiceOne Financial Services, Inc. is in the Financial Services sector

    What industry is ChoiceOne Financial Services, Inc. in?

    ChoiceOne Financial Services, Inc. is in the Regional Banks industry

    What country is ChoiceOne Financial Services, Inc. based in?

    ChoiceOne Financial Services, Inc. is headquartered in United States

    When did ChoiceOne Financial Services, Inc. go public?

    ChoiceOne Financial Services, Inc.'s initial public offering (IPO) was on June 21, 2001

    Is ChoiceOne Financial Services, Inc. in the S&P 500?

    No, ChoiceOne Financial Services, Inc. is not included in the S&P 500 index

    Is ChoiceOne Financial Services, Inc. in the NASDAQ 100?

    No, ChoiceOne Financial Services, Inc. is not included in the NASDAQ 100 index

    Is ChoiceOne Financial Services, Inc. in the Dow Jones?

    No, ChoiceOne Financial Services, Inc. is not included in the Dow Jones index

    When was ChoiceOne Financial Services, Inc.'s last earnings report?

    ChoiceOne Financial Services, Inc.'s most recent earnings report was on July 25, 2025

    When does ChoiceOne Financial Services, Inc. report earnings?

    The next expected earnings date for ChoiceOne Financial Services, Inc. is October 24, 2025
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