Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

COFS stock hub

ChoiceOne Financial Services, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

470.9M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

COFS

In the news

Latest news · COFS

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.8

P25 8.8P50 10.4P75 13.1

Trailing P/E8.5

P25 10.9P50 14.7P75 36.2

ROE12.4

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All COFS market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

209

Groups with data

Currency

USD

Showing 209 of 209 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0000803164
Company name	ChoiceOne Financial Services, Inc.
Country	United States
Country code	US
Cusip	170386106
Employees	561
Employees Change	-37%
Employees Change Percent	-6.19
Enterprise value	$620.1M
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Banks - Regional
Isin	US1703861062
Last refreshed	2026-05-10
Market cap	$470.9M
Market cap category	Small-Cap
Price	$31.48
Price currency	USD
Rev Per Employee	304,825.31x
Sector	Financials
Sic	6022
Symbol	COFS
Website	https://www.choiceone.bank

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.85%
EV Earnings	11.12x
EV Sales Forward	3.44x
EV/Sales	3.63x
Forward P/E	8.83x
P/B ratio	1x
P/E ratio	8.52x
P/S ratio	2.75x
PE Ratio10 Y	13.67x
PE Ratio3 Y	14.72x
PE Ratio5 Y	12.24x
PS Forward	2.61x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	$171M
Net Income	$55.8M
Net Income Growth	676.21%
Net Income Growth Quarters	3%
Net Income Growth Years	2%
Net Income Growth3 Y	32.94%
Net Income Growth5 Y	24.57%
Pretax Margin	40.04%
Profit Margin	32.62%
Profit Per Employee	$99,440
Profitable Years	11
ROA	1.28
Roa5y	0.94
ROE	12.44
Roe5y	10.62

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	8.21%
Cagr15y	11.86%
Cagr1y	15.24%
Cagr3y	17.88%
Cagr5y	8.97%
Div CAGR10	6.34%
Div CAGR3	3.78%
Div CAGR5	6.3%
EPS Growth	362
EPS Growth Quarters	3
EPS Growth Years	0
EPS Growth3 Y	5.34
EPS Growth5 Y	8.79
Revenue Growth	92.89x
Revenue Growth Q	134.96x
Revenue Growth Quarters	3x
Revenue Growth Years	2x
Revenue Growth3 Y	27.96x
Revenue Growth5 Y	17.76x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$4.4B
Cash	$84.2M
Debt	$233.4M
Equity	$470M
Liabilities	$3.9B
Net Cash	$-149.2M
Net Cash By Market Cap	$-31.67
Net Debt Equity	$0.32
Tangible Book Value	$310.7M
Tangible Book Value Per Share	$20.77
WACC	5.12

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-3.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-67.78%
Dividend Growth	3.64%
Dividend Growth Years	5%
Dividend per share	$1.16
Dividend Years	33
Dividend Yield	3.68%
Ex Div Date	2026-03-13
Last Dividend	$0.29
Payout Frequency	Quarterly
Payout Ratio	30.86%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	120.09%
1Y total return	15.23%
200-day SMA	29.46
3Y total return	63.82%
50-day SMA	29.16
50-day SMA vs 200-day SMA	50under200
5Y total return	53.61%
All Time High	38.15
All Time High Change	-17.48%
All Time High Date	2024-12-11
All Time Low	3.86
All Time Low Change	716.6%
All Time Low Date	2009-03-18
ATR	0.95
Beta	0.62
Beta1y	1
Beta2y	0.84
Ch YTD	6.64
High	31.71
High52	35.4
High52 Date	2025-12-18
High52ch	-11.07%
Low	31.06
Low52	26.1
Low52 Date	2025-10-16
Low52ch	20.64%
Ma50ch	7.95%
Premarket Change Percent	0.7
Premarket Price	$31.72
Premarket Volume	425
Price vs 200-day SMA	6.87%
RSI	63.5
RSI Monthly	56.28
RSI Weekly	58.95
Sharpe ratio	0.5x
Sortino ratio	1.03
Total Return	-64.1%
Tr YTD	7.77
Tr15y	436.94%
Tr1m	9.23%
Tr1w	2.88%
Tr3m	4.89%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Ratings	Buy
Earnings EPS Estimate	$0.85
Earnings EPS Estimate Growth	-1.16
Earnings Revenue Estimate	42,700,000x
Earnings Revenue Estimate Growth	36.71x
Operating Income	$77.3M
Operating margin	45.19
Price target	$34
Price Target Change	$8.01

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	13,699,950%
Float Percent	91.58%
Shares Insiders	8.35%
Shares Institutions	41.58%
Shares Out	14,960,200
Shares Qo Q	-0.16%
Shares Yo Y	67.78%
Short Float	1.47%
Short Ratio	2.84
Short Shares	1.34

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	70,379.6x
Bv Per Share	31.42
Ch10y	52.89
Ch15y	215.5
Ch1m	9.23
Ch1w	2.88
Ch1y	10.88
Ch3m	3.79
Ch3y	45.74
Ch5y	25.82
Ch6m	7.18
Change	-0.06%
Change From Open	0.22
Close	31.5
Days Gap	-0.29
Dollar Volume	1,730,707.4
Earnings Date	2026-04-24
Earnings Time	bmo
EPS	$3.69
F Score	2
Fiscal Year End	December
Founded	1,898
Goodwill	129,854,000
Graham Number	51.09975
Graham Upside	62.32
Income Tax	$12.7M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-24
Last Report Date	2026-03-31
Last Split Date	2018-05-09
Last Split Type	Forward
Last10k Filing Date	2026-03-13
Lynch Fair Value	$90.76
Lynch Upside	188.3
Ma150	29.32
Ma150ch	7.35%
Ma20	30.52
Ma20ch	3.15%
Next Earnings Date	2026-07-24
Open	31.41
Optionable	No
Payment Date	2026-03-31
Position In Range	64.62
Ppne	48,670,000
Pre Close	31.5
Price Date	2026-05-08
Ptbv Ratio	1.52
Relative Volume	0.78x
Revenue	171,007,000x
Tax By Revenue	7.41x
Tax Rate	18.52%
Tr6m	9.31%
Us State	Michigan
Volume	54,978

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

COFS dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.7%

$1.16 annual per share

Payout ratio

+30.9%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.3%

5 consecutive years of growth

Total shareholder yield

-64.1%

Next ex-dividend date: 2026-03-13

Performance

COFS stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns COFS?

Insider, institutional, and short-interest positioning.

Institutional ownership

+41.6%

Float: +91.6% of shares outstanding

Insider ownership

+8.4%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

COFS momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

63.5

Neutral momentum band

Price vs 200-day MA

+6.9%

50/200-day relationship not available

Beta (5Y)

0.62

Less volatile than the market

Sharpe ratio

0.50

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

COFS vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About COFS

Hub-level FAQ points readers to the deeper analysis pages.

What is the current COFS stock rating?

ChoiceOne Financial Services, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full COFS analysis?

The full report lives at /stocks/COFS/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for COFS?

The latest report frames COFS around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the COFS page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.