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

Company Overview

ChoiceOne Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan. Through its wholly owned subsidiary, ChoiceOne Bank, the company provides community banking services to individuals, families, farmers, professionals and businesses.

ChoiceOne Bank offers a range of deposit products, including checking, savings, money market and certificate of deposit accounts. Its lending services include residential mortgages, home equity loans, consumer loans, commercial real estate financing, agricultural loans and other business credit products. The bank also provides treasury management, online and mobile banking, investment and wealth management services, and other financial solutions.

ChoiceOne has a long operating history in Michigan, with roots dating to the late 19th century. The bank serves customers through a network of banking offices in western and southeastern Michigan, with a focus on relationship-based banking and supporting local communities and businesses.

Key Stats

• Today's Range: $32.90 to $33.23
• 50-Day Range: $32.44 to $34.59
• 52-Week Range: $26.09 to $35.40
• Volume: 53,955 shs
• Average Volume: 67,570 shs
• Market Capitalization: $494.45 million
• P/E Ratio: 9.11
• Dividend Yield: 3.51%
• Price Target: $36.50
• Consensus Rating: Moderate Buy

ChoiceOne Financial Services Stock Analysis - MarketRank™

ChoiceOne Financial Services scored higher than 81% of companies evaluated by MarketBeat, and ranked 295th out of 855 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: 2.8 / 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 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

ChoiceOne Financial Services has a consensus price target of $36.50, representing about 10.4% upside from its current price of $33.06.

Amount of Analyst Coverage

ChoiceOne Financial Services has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 2.48%

Earnings Growth

Earnings for ChoiceOne Financial Services are expected to grow by 2.48% in the coming year, from $3.63 to $3.72 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of ChoiceOne Financial Services is 9.11, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.64.

Price to Earnings Ratio vs. Sector

The P/E ratio of ChoiceOne Financial Services is 9.11, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.57.

Price to Book Value per Share Ratio

ChoiceOne Financial Services has a P/B Ratio of 1.07. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.70% 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 7.92.

Change versus previous month

Short interest in ChoiceOne Financial Services has recently increased by 14.18%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 5.0 / 5
• Dividend Strength: Strong

Dividend Leadership

ChoiceOne Financial Services is a leading dividend payer. It pays a dividend yield of 3.53%, 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 31.96%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, ChoiceOne Financial Services will have a dividend payout ratio of 31.18% next year. This indicates that ChoiceOne Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: N/A

News Sentiment

ChoiceOne Financial Services has a news sentiment score of 1.82. 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 0.70 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 2 articles on an average week.

Search Interest

1 people have searched for COFS on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.5 / 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

6.48% of the stock of ChoiceOne Financial Services is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Record date for 6/30 Dividend: 6/15/2026
• Ex-Dividend for 6/30 Dividend: 6/15/2026
• Dividend Payable: 6/30/2026
• Last Earnings: 7/24/2026
• Record date for 9/30 Dividend: 9/15/2026
• Ex-Dividend for 9/30 Dividend: 9/15/2026
• Today: 9/27/2026
• Dividend Payable: 9/30/2026
• Next Earnings (Estimated): 10/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:COFS
• CIK: 803164
• Web: www.choiceone.com
• Phone: (616) 887-7366
• Fax: N/A
• Employees: 598
• Year Founded: 1898

Price Target and Rating

• Average Price Target for ChoiceOne Financial Services: $36.50
• High Price Target: $38.00
• Low Price Target: $35.00
• Potential Upside/Downside: +10.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.63
• Trailing P/E Ratio: 9.11
• Forward P/E Ratio: 9.11
• P/E Growth: N/A
• Net Income: $28.18 million
• Net Margins: 22.77%
• Pretax Margin: 27.81%
• Return on Equity: 12.04%
• Return on Assets: 1.28%

Debt

• Debt-to-Equity Ratio: 0.71
• Current Ratio: 0.87
• Quick Ratio: 0.87

Sales & Book Value

• Annual Sales: $171.77 million
• Price / Sales: 2.88
• Cash Flow: $3.88 per share
• Price / Cash Flow: 8.52
• Book Value: $30.98 per share
• Price / Book: 1.07

Miscellaneous

• Outstanding Shares: 14,956,000
• Free Float: 13,987,000
• Market Cap: $494.45 million
• Optionable: Not Optionable
• Beta: 0.59