ChoiceOne Financial Services (COFS) Stock Price, News & Analysis

Company Overview

ChoiceOne Financial Services, Inc. is a bank holding company headquartered in Jackson, Michigan. Through its subsidiary, ChoiceOne Bank, it provides a full suite of banking and financial services to individuals, families, and businesses. The company’s primary operations are concentrated in community banking, spanning retail deposits, commercial and consumer lending, mortgage origination, and treasury management solutions.

ChoiceOne Bank offers checking and savings accounts, certificates of deposit, and online and mobile banking platforms designed to meet the needs of its customers. On the lending side, the bank provides business loans, lines of credit, real estate financing, and agricultural lending services to support local enterprises and farmers. Residential mortgage services include purchase and refinance programs, while its wealth management division delivers investment advisory, trust, and estate planning services. Ancillary offerings such as insurance products and payroll processing complement the bank’s core capabilities.

With a branch network extending across key regions of Michigan and Indiana, ChoiceOne Financial Services emphasizes community engagement and personalized customer service. The company maintains an active presence in local markets, supporting economic development through tailored financial solutions and charitable initiatives. As a publicly traded company on NASDAQ under the ticker COFS, ChoiceOne Financial Services uses technology-driven platforms to enhance operational efficiency and deliver an improved banking experience for its clientele.

Key Stats

• Today's Range: $32.75 to $33.62
• 50-Day Range: $31.87 to $34.62
• 52-Week Range: $26.09 to $35.40
• Volume: 86,841 shs
• Average Volume: 81,368 shs
• Market Capitalization: $495.77 million
• P/E Ratio: 9.13
• Dividend Yield: 3.50%
• Price Target: $36.50
• Consensus Rating: Moderate Buy

ChoiceOne Financial Services Stock Analysis - MarketRank™

ChoiceOne Financial Services scored higher than 72% of companies evaluated by MarketBeat, and ranked 495th out of 840 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

ChoiceOne Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 2 buy ratings, 2 hold ratings, and no sell ratings.

Upside Potential

ChoiceOne Financial Services has a consensus price target of $36.50, representing about 10.1% upside from its current price of $33.14.

Amount of Analyst Coverage

ChoiceOne Financial Services has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 2.48%

Earnings Growth

Earnings for ChoiceOne Financial Services are expected to grow by 2.48% in the coming year, from $3.63 to $3.72 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ChoiceOne Financial Services is 9.13, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of ChoiceOne Financial Services is 9.13, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.61.

Price to Book Value per Share Ratio

ChoiceOne Financial Services has a P/B Ratio of 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.22% of the float of ChoiceOne Financial Services has been sold short.

Short Interest Ratio / Days to Cover

ChoiceOne Financial Services has a short interest ratio ("days to cover") of 3.08, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in ChoiceOne Financial Services has recently increased by 5.13%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

ChoiceOne Financial Services pays a meaningful dividend of 3.49%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

ChoiceOne Financial Services has been increasing its dividend for 13 years.

Dividend Coverage

The dividend payout ratio of ChoiceOne Financial Services is 31.96%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, ChoiceOne Financial Services will have a dividend payout ratio of 31.18% next year. This indicates that ChoiceOne Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 0.5 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, ChoiceOne Financial Services insiders have not sold or bought any company stock.

Percentage Held by Insiders

6.48% of the stock of ChoiceOne Financial Services is held by insiders.

Percentage Held by Institutions

19.90% of the stock of ChoiceOne Financial Services is held by institutions.

Company Calendar

• Record date for 6/30 Dividend: 6/15/2026
• Ex-Dividend for 6/30 Dividend: 6/15/2026
• Dividend Payable: 6/30/2026
• Last Earnings: 7/24/2026
• Today: 8/22/2026
• Next Earnings (Estimated): 10/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:COFS
• CIK: 803164
• Web: www.choiceone.com
• Phone: (616) 887-7366
• Fax: N/A
• Employees: 380
• Year Founded: 1898

Price Target and Rating

• Average Price Target for ChoiceOne Financial Services: $36.50
• High Price Target: $38.00
• Low Price Target: $35.00
• Potential Upside/Downside: +10.1%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.63
• Trailing P/E Ratio: 9.13
• Forward P/E Ratio: 9.13
• P/E Growth: N/A
• Net Income: $28.18 million
• Net Margins: 22.77%
• Pretax Margin: 27.81%
• Return on Equity: 12.04%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: 0.71
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $227.62 million
• Price / Sales: 2.18
• Cash Flow: $3.87 per share
• Price / Cash Flow: 8.57
• Book Value: $32.27 per share
• Price / Book: 1.03

Miscellaneous

• Outstanding Shares: 14,960,000
• Free Float: 13,987,000
• Market Cap: $495.77 million
• Optionable: Not Optionable
• Beta: 0.60