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

Company Overview

ChoiceOne Financial Services (NASDAQ: COFS) is a bank holding company headquartered in Rockford, Michigan. Through its wholly owned subsidiary, ChoiceOne Bank, the company delivers a full suite of financial services to individuals, families and businesses. Its core activities encompass retail banking, commercial lending, mortgage origination and servicing, as well as wealth management and trust services. With a focus on relationship banking, ChoiceOne Financial leverages a combination of local decision-making and personalized service to address the financial needs of its clients.

In the retail segment, ChoiceOne Bank offers deposit accounts, including checking, savings, money market and certificates of deposit, alongside an array of online and mobile banking solutions. On the lending side, the bank provides business loans, commercial real estate financing and lines of credit tailored to small and middle-market enterprises. Mortgage products comprise both purchase and refinance options for residential properties, with in-house underwriting to streamline the loan process.

The company also maintains a growing wealth management division, delivering investment advisory, trust administration and estate planning services. This unit caters to high-net-worth individuals and families, assisting with portfolio construction, retirement planning and fiduciary services. Additionally, ChoiceOne’s treasury management offerings include cash-management tools, ACH origination, wire transfers and merchant services designed to optimize liquidity and payment processing for its commercial clients.

Founded in the early 20th century, ChoiceOne Financial Services has deep roots in west Michigan, expanding its branch network across the Grand Rapids metropolitan area and neighboring communities. The company became a publicly traded entity to support strategic growth initiatives and to enhance its capital position for continued regional expansion. Led by an experienced senior management team and board of directors, ChoiceOne Financial remains committed to community reinvestment and local economic development, emphasizing its role as a trusted financial partner across its service area.

Key Stats

• Today's Range: $29.75 to $30.69
• 50-Day Range: $27.50 to $30.51
• 52-Week Range: $24.89 to $38.15
• Volume: 39,482 shs
• Average Volume: 51,595 shs
• Market Capitalization: $447.87 million
• P/E Ratio: 24.31
• Dividend Yield: 3.75%
• Price Target: $37.00
• Consensus Rating: Buy

ChoiceOne Financial Services Stock Analysis - MarketRank™

ChoiceOne Financial Services scored higher than 51% of companies evaluated by MarketBeat, and ranked 597th out of 903 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: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

ChoiceOne Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

ChoiceOne Financial Services has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 4.90%

Earnings Growth

Earnings for ChoiceOne Financial Services are expected to grow by 4.90% in the coming year, from $3.67 to $3.85 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ChoiceOne Financial Services is 24.31, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of ChoiceOne Financial Services is 24.31, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 19.98.

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

0.93% 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 1.6, 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 25.86%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

ChoiceOne Financial Services is a leading dividend payer. It pays a dividend yield of 3.74%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of ChoiceOne Financial Services is 91.06%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, ChoiceOne Financial Services will have a dividend payout ratio of 29.09% next year. This indicates that ChoiceOne Financial Services will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.93% 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 1.6, 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 25.86%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.7 / 5
• News Sentiment: N/A

News Sentiment

ChoiceOne Financial Services has a news sentiment score of -0.70. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.73 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for ChoiceOne Financial Services this week, compared to 1 article on an average week.

Search Interest

Only 1 people have searched for COFS on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 0.0 / 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

Only 5.93% of the stock of ChoiceOne Financial Services is held by insiders.

Percentage Held by Institutions

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

COFS Stock Analysis - Frequently Asked Questions

How have COFS shares performed this year?

ChoiceOne Financial Services' stock was trading at $35.64 at the beginning of the year. Since then, COFS stock has decreased by 16.1% and is now trading at $29.8980.

How were ChoiceOne Financial Services' earnings last quarter?

ChoiceOne Financial Services, Inc. (NASDAQ:COFS) posted its quarterly earnings data on Wednesday, April, 30th. The company reported $0.86 EPS for the quarter, topping the consensus estimate of $0.82 by $0.04. The business earned $31.23 million during the quarter, compared to the consensus estimate of $29.70 million. ChoiceOne Financial Services had a trailing twelve-month return on equity of 10.93% and a net margin of 4.74%.

How do I buy shares of ChoiceOne Financial Services?

Shares of COFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of ChoiceOne Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that ChoiceOne Financial Services investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Broadcom (AVGO), Palo Alto Networks (PANW) and JPMorgan Chase & Co. (JPM).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 6/30 Dividend: 6/13/2025
• Ex-Dividend for 6/30 Dividend: 6/13/2025
• Dividend Payable: 6/30/2025
• Today: 7/09/2025
• Next Earnings (Estimated): 7/24/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

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

Price Target and Rating

• Average Price Target for ChoiceOne Financial Services: $37.00
• High Price Target: $39.00
• Low Price Target: $35.00
• Potential Upside/Downside: +23.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.23
• Trailing P/E Ratio: 24.37
• Forward P/E Ratio: 8.16
• P/E Growth: N/A
• Net Income: $26.73 million
• Net Margins: 4.74%
• Pretax Margin: 5.71%
• Return on Equity: 10.93%
• Return on Assets: 1.01%

Debt

• Debt-to-Equity Ratio: 0.43
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $139.10 million
• Price / Sales: 3.23
• Cash Flow: $4.47 per share
• Price / Cash Flow: 6.70
• Book Value: $29.05 per share
• Price / Book: 1.03

Miscellaneous

• Outstanding Shares: 14,980,000
• Free Float: 14,095,000
• Market Cap: $448.73 million
• Optionable: Not Optionable
• Beta: 0.55