NASDAQ:COFS ChoiceOne Financial Services (COFS) Stock Price, News & Analysis $30.23 +0.31 (+1.04%) As of 07/3/2025 01:04 PM Eastern This is a fair market value price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsShort InterestTrendsBuy This Stock About ChoiceOne Financial Services Stock (NASDAQ:COFS) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get COFS alerts:Sign Up Key Stats Today's Range$29.95▼$30.6950-Day Range$27.49▼$30.5152-Week Range$24.89▼$38.15Volume67,908 shsAverage Volume51,126 shsMarket Capitalization$452.85 millionP/E Ratio24.58Dividend Yield3.70%Price Target$37.00Consensus RatingBuy Company Overview ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers alternative investment products, which include annuities and mutual funds; and sells insurance policies, such as life and health for commercial and consumer clients. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan. Read More ChoiceOne Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks55th Percentile Overall ScoreCOFS MarketRank™: ChoiceOne Financial Services scored higher than 55% of companies evaluated by MarketBeat, and ranked 1675th out of 2,763 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.5 / 5Analyst RatingBuy Consensus RatingChoiceOne 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 CoverageChoiceOne Financial Services has received no research coverage in the past 90 days.Read more about ChoiceOne Financial Services' stock forecast and price target. Earnings and Valuation1.3 / 5Proj. Earnings Growth4.90% Earnings GrowthEarnings 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 MarketThe P/E ratio of ChoiceOne Financial Services is 24.58, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.54.Price to Earnings Ratio vs. SectorThe P/E ratio of ChoiceOne Financial Services is 24.58, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 20.06.Price to Book Value per Share RatioChoiceOne Financial Services has a P/B Ratio of 1.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.Read more about ChoiceOne Financial Services' valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.93% of the float of ChoiceOne Financial Services has been sold short.Short Interest Ratio / Days to CoverChoiceOne 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 monthShort interest in ChoiceOne Financial Services has recently increased by 25.86%, indicating that investor sentiment is decreasing significantly. Dividend4.2 / 5Dividend StrengthStrong Dividend LeadershipChoiceOne 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 GrowthChoiceOne Financial Services has been increasing its dividend for 13 years.Dividend CoverageThe dividend payout ratio of ChoiceOne Financial Services is 91.06%. Payout ratios above 75% are not desirable because they may not be sustainable.Dividend SustainabilityBased 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. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.93% of the float of ChoiceOne Financial Services has been sold short.Short Interest Ratio / Days to CoverChoiceOne 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 monthShort interest in ChoiceOne Financial Services has recently increased by 25.86%, indicating that investor sentiment is decreasing significantly. News and Social Media1.4 / 5News Sentiment-0.49 News SentimentChoiceOne Financial Services has a news sentiment score of -0.49. 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 0.68 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 5 news articles for ChoiceOne Financial Services this week, compared to 1 article on an average week.Search Interest3 people have searched for COFS on MarketBeat in the last 30 days. Company Ownership0.0 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, ChoiceOne Financial Services insiders have not sold or bought any company stock.Percentage Held by InsidersOnly 5.93% of the stock of ChoiceOne Financial Services is held by insiders.Percentage Held by InstitutionsOnly 19.90% of the stock of ChoiceOne Financial Services is held by institutions.Read more about ChoiceOne Financial Services' insider trading history. Receive COFS Stock News and Ratings via Email Sign-up to receive the latest news and ratings for ChoiceOne Financial Services and its competitors with MarketBeat's FREE daily newsletter. Email Address COFS Stock News HeadlinesDA Davidson Issues Pessimistic Outlook for COFS EarningsJuly 1 at 2:39 AM | americanbankingnews.comChoiceOne Financial Announces Cash DividendsMay 21, 2025 | prnewswire.comINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.July 4 at 2:00 AM | Traders Agency (Ad)Chairman Jack G. Hendon Retires from ChoiceOne Boards of Directors, Gregory A.May 21, 2025 | prnewswire.comUndiscovered Gems in the US Market May 2025May 2, 2025 | finance.yahoo.comChoiceOne Reports First Quarter 2025 ResultsApril 30, 2025 | prnewswire.comChoiceOne Financial Services (NasdaqCM:COFS) Drops 11% Over 1 Week With No Shares Repurchased in Buyback ProgramApril 5, 2025 | finance.yahoo.comWhy ChoiceOne Financial Services (COFS) Is Plunging in 2025?March 17, 2025 | msn.comSee More Headlines 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 15.2% and is now trading at $30.23. 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, beating analysts' consensus estimates of $0.82 by $0.04. The firm 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 Earnings4/30/2025Record date for 6/30 Dividend6/13/2025Ex-Dividend for 6/30 Dividend6/13/2025Dividend Payable6/30/2025Today7/04/2025Next Earnings (Estimated)7/24/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNASDAQ:COFS CIK803164 Webwww.choiceone.com Phone(616) 887-7366FaxN/AEmployees380Year FoundedN/APrice Target and Rating Average Stock Price Target$37.00 High Stock Price Target$39.00 Low Stock Price Target$35.00 Potential Upside/Downside+22.4%Consensus RatingBuy Rating Score (0-4)3.00 Research Coverage3 Analysts Profitability EPS (Trailing Twelve Months)$1.23 Trailing P/E Ratio24.58 Forward P/E Ratio8.24 P/E GrowthN/ANet Income$26.73 million Net Margins4.74% Pretax Margin5.71% Return on Equity10.93% Return on Assets1.01% Debt Debt-to-Equity Ratio0.43 Current Ratio0.83 Quick Ratio0.83 Sales & Book Value Annual Sales$139.10 million Price / Sales3.26 Cash Flow$4.51 per share Price / Cash Flow6.70 Book Value$29.05 per share Price / Book1.04Miscellaneous Outstanding Shares14,980,000Free Float14,095,000Market Cap$452.85 million OptionableNot Optionable Beta0.55 Metaverse Stocks And Why You Can't Ignore ThemThinking about investing in Meta, Roblox, or Unity? 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