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: $30.67 to $30.87
• 50-Day Range: $28.46 to $31.17
• 52-Week Range: $24.89 to $38.15
• Volume: 51,939 shs
• Average Volume: 59,193 shs
• Market Capitalization: $463.37 million
• P/E Ratio: 24.48
• Dividend Yield: 3.63%
• Price Target: $37.00
• Consensus Rating: Moderate Buy

ChoiceOne Financial Services Stock Analysis - MarketRank™

ChoiceOne Financial Services scored higher than 73% of companies evaluated by MarketBeat, and ranked 422nd out of 927 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: 2.4 / 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 2.75, and is based on 3 buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

ChoiceOne Financial Services has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 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 24.48, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.48.

Price to Earnings Ratio vs. Sector

The P/E ratio of ChoiceOne Financial Services is 24.48, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 230.06.

Price to Book Value per Share Ratio

ChoiceOne Financial Services has a P/B Ratio of 1.06. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.09% 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 3.1, 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 decreased by 12.98%, indicating that investor sentiment is improving 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 3.66%, 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.

Sustainability and ESG

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

Percentage of Shares Shorted

2.09% 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 3.1, 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 decreased by 12.98%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 1.04

News Sentiment

ChoiceOne Financial Services has a news sentiment score of 1.04. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for ChoiceOne Financial Services this week, compared to 1 article on an average week.

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 start of the year. Since then, COFS shares have decreased by 13.4% and is now trading at $30.85.

How were ChoiceOne Financial Services' earnings last quarter?

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

Who are ChoiceOne Financial Services' major shareholders?

ChoiceOne Financial Services' top institutional investors include Fourthstone LLC (7.61%), Geode Capital Management LLC (2.16%), The Manufacturers Life Insurance Company (1.51%) and ProShare Advisors LLC (1.39%). Insiders that own company stock include Greg L Armock, Curt E Coulter, Michelle M Wendling, Kelly Potes and Michael J Burke Jr.
View institutional ownership trends.

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

• Record date for 6/30 Dividend: 6/13/2025
• Ex-Dividend for 6/30 Dividend: 6/13/2025
• Dividend Payable: 6/30/2025
• Last Earnings: 7/25/2025
• Today: 9/04/2025
• Record date for 9/30 Dividend: 9/15/2025
• Ex-Dividend for 9/30 Dividend: 9/15/2025
• Dividend Payable: 9/30/2025
• 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
• 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: +19.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.75
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.26
• Trailing P/E Ratio: 24.48
• Forward P/E Ratio: 8.41
• 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: 3.33
• Cash Flow: $4.51 per share
• Price / Cash Flow: 6.84
• Book Value: $29.05 per share
• Price / Book: 1.06

Miscellaneous

• Outstanding Shares: 15,020,000
• Free Float: 14,125,000
• Market Cap: $463.37 million
• Optionable: Not Optionable
• Beta: 0.59