Positive News SentimentPositive NewsNASDAQ:COFS ChoiceOne Financial Services (COFS) Stock Price, News & Analysis $36.87 +0.20 (+0.55%) Closing price 11/12/2026 04:00 PM EasternExtended Trading$36.89 +0.02 (+0.05%) As of 11/12/2026 04:10 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 Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsInsider TradesNews and TrendsOwnershipSEC FilingsShort Interest About ChoiceOne Financial Services Stock (NASDAQ:COFS) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get COFS alerts:Sign Up Key Stats Today's Range$36.47▼$37.0050-Day Range$32.15▼$37.5952-Week Range$26.63▼$38.89Volume56,257 shsAverage Volume87,158 shsMarket Capitalization$550.10 millionP/E Ratio10.16Dividend Yield3.15%Price Target$37.50Consensus RatingModerate Buy Company Overview ChoiceOne Financial Services, Inc. is a bank holding company headquartered in Sparta, Michigan. Through its subsidiary, ChoiceOne Bank, it provides personal and business banking services, including deposit accounts, commercial and consumer loans, and mortgage lending. The bank serves individuals, businesses, farmers, and local organizations in communities across western and southeastern Michigan. Its offerings also include digital banking and other services that support customers’ day-to-day financial needs. ChoiceOne’s history includes a 2020 merger with County Bank Corp., the parent company of Lakestone Bank & Trust. The combined organization operates under the ChoiceOne Bank name.AI Generated. May Contain Errors. Read More ChoiceOne Financial Services Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks70th Percentile Overall ScoreCOFS MarketRank™: 3.492478744275 of 5 starsChoiceOne Financial Services scored higher than 70% of companies evaluated by MarketBeat, and ranked 445th out of 852 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.9 / 5Analyst RatingModerate Buy Consensus RatingChoiceOne Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.Upside/DownsideThe consensus price target for ChoiceOne Financial Services is close to its current price, suggesting limited near-term upside or downside.Amount of Analyst CoverageChoiceOne 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 and Valuation1.9 / 5Proj. Earnings Growth3.48% Earnings GrowthEarnings for ChoiceOne Financial Services are expected to grow by 3.48% in the coming year, from $3.74 to $3.87 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of ChoiceOne Financial Services is 10.16, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.22.Price to Earnings Ratio vs. SectorThe P/E ratio of ChoiceOne Financial Services is 10.16, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.20.Price to Book Value per Share RatioChoiceOne Financial Services has a P/B Ratio of 1.17. 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 Interest4.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted2.73% 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 4.76.Change versus previous monthShort interest in ChoiceOne Financial Services has recently decreased by 26.40%, indicating that investor sentiment is improving significantly. Dividend4.2 / 5Dividend StrengthStrong Dividend YieldChoiceOne Financial Services pays a meaningful dividend of 3.16%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthChoiceOne Financial Services has been increasing its dividend for 13 years.Dividend CoverageThe dividend payout ratio of ChoiceOne Financial Services is 31.96%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, ChoiceOne Financial Services will have a dividend payout ratio of 29.97% next year. This indicates that ChoiceOne Financial Services will be able to sustain or increase its dividend.Read more about ChoiceOne Financial Services' dividend. News and Social Media3.2 / 5News SentimentN/A News SentimentChoiceOne Financial Services has a news sentiment score of 1.05. 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 higher news sentiment than the 0.65 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 1 news article for ChoiceOne Financial Services this week, compared to 2 articles on an average week.MarketBeat Follows1 people have added ChoiceOne Financial Services to their MarketBeat watchlist in the last 30 days. Company Ownership0.5 / 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 Insiders6.48% of the stock of ChoiceOne Financial Services is held by insiders.Percentage Held by Institutions19.90% 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. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. 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Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026October 31, 2026 | marketscreener.comMChoiceOne Reports Third Quarter 2026 ResultsOctober 30, 2026 | prnewswire.comYour free book is about to disappearBill Poulos is giving away his 'Safe Trade Options Formula' book for free - but only for a limited time through a temporary download link. He plans to charge for it soon. Download your copy now and lock it in at no cost, regardless of future pricing. | Profits Run (Ad)ChoiceOne Bank Announces Official Opening of ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in FentonSeptember 30, 2026 | prnewswire.comChoiceOne Bank Receives Habitat for Humanity of Kent County Opportunity AwardSeptember 11, 2026 | prnewswire.comChoiceOne Reports Second Quarter 2026 ResultsJuly 24, 2026 | prnewswire.comChoiceOne Financial Services : COFSJune 7, 2026 | 247wallst.comChoiceOne Financial: Modest Growth With More Potential For Later This YearJune 5, 2026 | seekingalpha.comSee More Headlines COFS Stock Analysis - Frequently Asked Questions How have COFS shares performed this year? ChoiceOne Financial Services' stock was trading at $29.52 at the start of the year. Since then, COFS stock has increased by 24.9% and is now trading at $36.87. How were ChoiceOne Financial Services' earnings last quarter? ChoiceOne Financial Services, Inc. (NASDAQ:COFS) issued its quarterly earnings data on Friday, October, 30th. The company reported $1.05 EPS for the quarter, topping the consensus estimate of $0.93 by $0.13. The business had revenue of $45.19 million for the quarter, compared to the consensus estimate of $44.50 million. ChoiceOne Financial Services had a net margin of 22.66% and a trailing twelve-month return on equity of 12.15%. Who are ChoiceOne Financial Services' major shareholders? Top institutional shareholders of ChoiceOne Financial Services include State Street Corp (2.97%), First Trust Advisors LP (0.44%), Alps Advisors Inc. (0.11%) and Ieq Capital LLC (0.11%). Insiders that own company stock include Eric E Burrough, Brian P Petty, Gregory A Mcconnell, Bradley F Mcginnis, Curt E Coulter, Michelle M Wendling, Kelly Potes, Adom Greenland, Michael J Jr Burke 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. Company Calendar Record date for 9/30 Dividend9/15/2026Ex-Dividend for 9/30 Dividend9/15/2026Dividend Payable9/30/2026Last Earnings10/30/2026Today11/13/2026Fiscal Year End12/31/2026Next Earnings (Estimated)1/29/2027Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (11m+) 1-Year History Nov 25 Feb 26 May 26 Aug 26 Nov 26 COFS's financial health is in the Green zone, according to TradeSmith. COFS has been in this zone for over 11 months. Industry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry Banks Sub-IndustryRegional Banks Current SymbolNASDAQ:COFS CIK803164 Webwww.choiceone.com Phone(616) 887-7366FaxN/AEmployees598Year Founded1898Price Target and Rating Average Price Target for ChoiceOne Financial Services$37.50 High Price Target$40.00 Low Price Target$35.00 Potential Upside/Downside+1.7%Consensus RatingModerate Buy Rating Score (0-4)2.67 Research Coverage3 Analysts Profitability EPS (Trailing Twelve Months)$3.63 Trailing P/E Ratio10.16 Forward P/E Ratio9.53 P/E GrowthN/ANet Income$28.18 million Net Margins22.66% Pretax Margin27.50% Return on Equity12.15% Return on Assets1.29% Debt Debt-to-Equity Ratio0.60 Current Ratio0.86 Quick Ratio0.87 Sales & Book Value Annual Sales$227.62 million Price / Sales2.42 Cash Flow$3.90 per share Price / Cash Flow9.45 Book Value$31.48 per share Price / Book1.17Miscellaneous Outstanding Shares14,920,000Free Float13,957,000Market Cap$550.10 million OptionableNot Optionable Beta0.61 Social Links 10 Best Stocks to Own in Fall 2026AI spending is reshaping the market, and the opportunity extends far beyond the biggest chipmakers. Discover 10 stocks set to benefit from powerful trends in AI infrastructure, cloud computing, energy, capital returns, and consumer growth this fall.Get This Free Report This page (NASDAQ:COFS) was last updated on 11/12/2026 by MarketBeat.com Staff. 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