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NASDAQ:COFS

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

ChoiceOne Financial Services logo
$28.42 +0.32 (+1.14%)
Closing price 10/3/2025 04:00 PM Eastern
Extended Trading
$28.40 -0.02 (-0.07%)
As of 10/3/2025 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.

About ChoiceOne Financial Services Stock (NASDAQ:COFS)

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Key Stats

Today's Range
$28.10
$28.55
50-Day Range
$28.10
$31.17
52-Week Range
$24.89
$38.15
Volume
189,913 shs
Average Volume
80,117 shs
Market Capitalization
$426.87 million
P/E Ratio
22.56
Dividend Yield
3.94%
Price Target
$37.00
Consensus Rating
Moderate Buy

Company Overview

ChoiceOne Financial Services Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
80th Percentile Overall Score

COFS MarketRank™: 

ChoiceOne Financial Services scored higher than 80% of companies evaluated by MarketBeat, and ranked 364th out of 921 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    ChoiceOne Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.60, and is based on 3 buy ratings, 2 hold ratings, and no sell ratings.

  • Upside Potential

    ChoiceOne Financial Services has a consensus price target of $37.00, representing about 30.2% upside from its current price of $28.42.

  • Amount of Analyst Coverage

    ChoiceOne Financial Services has only been the subject of 2 research reports in the past 90 days.

  • Read more about ChoiceOne Financial Services' stock forecast and price target.
  • 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 22.56, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.17.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of ChoiceOne Financial Services is 22.56, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 39.91.

  • Price to Book Value per Share Ratio

    ChoiceOne Financial Services has a P/B Ratio of 0.98. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

  • Read more about ChoiceOne Financial Services' valuation and earnings.
  • Percentage of Shares Shorted

    1.94% of the outstanding shares of ChoiceOne Financial Services have been sold short.
  • Short Interest Ratio / Days to Cover

    ChoiceOne Financial Services has a short interest ratio ("days to cover") of 3.2, 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 1.43%, indicating that investor sentiment is decreasing.
  • Dividend Leadership

    ChoiceOne Financial Services is a leading dividend payer. It pays a dividend yield of 3.94%, 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 88.89%. 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.

  • Read more about ChoiceOne Financial Services' dividend.
  • Percentage of Shares Shorted

    1.94% of the outstanding shares of ChoiceOne Financial Services have been sold short.
  • Short Interest Ratio / Days to Cover

    ChoiceOne Financial Services has a short interest ratio ("days to cover") of 3.2, 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 1.43%, indicating that investor sentiment is decreasing.
  • News Sentiment

    ChoiceOne Financial Services has a news sentiment score of 0.48. 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 0.69 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 2 news articles for ChoiceOne Financial Services this week, compared to 1 article on an average week.
  • 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.

  • Read more about ChoiceOne Financial Services' insider trading history.
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COFS Stock News Headlines

DA Davidson Issues Pessimistic Forecast for COFS Earnings
Forget AI Stocks — This Device Will REPLACE the Microchip
While everyone's chasing the same AI plays, George Gilder is focused on something completely different. He says a 4-nanometer device that's 80 MILLION times more powerful than the chip he gave Reagan is now being made in America for the first time. And he's identified 3 companies that control this technology.tc pixel
ChoiceOne Reports Second Quarter 2025 Results
ChoiceOne Financial Announces Cash Dividends
See More Headlines

COFS Stock Analysis - Frequently Asked Questions

ChoiceOne Financial Services' stock was trading at $35.64 on January 1st, 2025. Since then, COFS stock has decreased by 20.3% and is now trading at $28.42.

ChoiceOne Financial Services, Inc. (NASDAQ:COFS) released its quarterly earnings results on Friday, July, 25th. The company reported $0.91 EPS for the quarter, beating the consensus estimate of $0.80 by $0.11. The firm had revenue of $42.83 million for the quarter, compared to analysts' expectations of $38.95 million. ChoiceOne Financial Services had a net margin of 7.95% and a trailing twelve-month return on equity of 11.26%.

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.

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
7/25/2025
Record date for 9/30 Dividend
9/15/2025
Ex-Dividend for 9/30 Dividend
9/15/2025
Dividend Payable
9/30/2025
Today
10/05/2025
Next Earnings (Estimated)
10/22/2025
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
Fax
N/A
Employees
380
Year Founded
1898

Price Target and Rating

High Price Target
$39.00
Low Price Target
$35.00
Potential Upside/Downside
+30.2%
Consensus Rating
Moderate Buy
Rating Score (0-4)
2.60
Research Coverage
5 Analysts

Profitability

EPS (Trailing Twelve Months)
$1.26
Trailing P/E Ratio
22.56
Forward P/E Ratio
7.74
P/E Growth
N/A
Net Income
$26.73 million
Net Margins
7.95%
Pretax Margin
9.64%
Return on Equity
11.26%
Return on Assets
1.09%

Debt

Debt-to-Equity Ratio
0.57
Current Ratio
0.85
Quick Ratio
0.85

Sales & Book Value

Annual Sales
$139.10 million
Price / Sales
3.07
Cash Flow
$4.47 per share
Price / Cash Flow
6.36
Book Value
$29.05 per share
Price / Book
0.98

Miscellaneous

Outstanding Shares
15,020,000
Free Float
14,125,000
Market Cap
$426.87 million
Optionable
Not Optionable
Beta
0.55

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This page (NASDAQ:COFS) was last updated on 10/6/2025 by MarketBeat.com Staff
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