ChoiceOne Financial Services, Inc. (COFS)

NASDAQ: COFS · USD

$34.1

-0.60 (-1.7%)· Recorded snapshot

Market cap	510.3M
Revenue (ttm)	169.9M
Net income (ttm)	54.7M
EPS (ttm)	$3.63
Shares out	15M
P/E (trailing)	9.4x
P/E (forward)	9.3x
Dividend	$1.16 (3.38%)
Volume	85,651
Beta	0.64

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 169.9M
Net income (ttm): 54.7M
EPS (ttm): $3.63
P/E (trailing): 9.4x
P/E (forward): 9.3x
Market cap: 510.3M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Активно покупать
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Активно покупать
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Держать

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.3

P25 n/aP50 n/aP75 n/a

Trailing P/E9.4

P25 n/aP50 n/aP75 n/a

ROE12

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All COFS indicators

Market & fundamental data

Available fields

247

Groups with data

Currency

USD

Showing 247 of 247 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	USD
CIK code	0000803164
Company name	ChoiceOne Financial Services, Inc.
Country	United States
Country code	US
CUSIP number	170386106
Earnings date	2026-11-10
Earnings time	bmo
Employees	598
Employees change	206
Employees growth	52.55%
Enterprise value	$764.4M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	1898
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US1703861062
Last 10-K release date	2026-03-13
Last earnings date	2026-07-24
Last refreshed	2026-10-28
Last stock split date	2018-05-09
Last stock split type	Forward
Market cap	$510.3M
Market cap category	Small-Cap
Next earnings date	2026-11-10
Options	No
Price	$34.12
Price currency	USD
Sector	Financials
SIC code	6022
Stock price date	2026-10-28
Symbol	COFS
U.S. state	Michigan
Website	https://www.choiceone.bank

Valuation

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

Metric	Value
Adjusted P/E ratio	9.4x
Average P/E ratio (10Y)	13.55x
Average P/E ratio (3Y)	14.87x
Average P/E ratio (5Y)	12.21x
Earnings yield	10.64%
EV/Earnings	14.01x
EV/FCF	15.02x
EV/Sales	4.51x
FCF / EV yield	6.66%
FCF yield	9.96%
Forward EV/Sales	4.29x
Forward P/E	9.34x
Forward P/S	2.87x
Graham number	51.3444
Graham upside	49.82%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$84.51
Lynch upside	146.6%
P/B ratio	1.08x
P/E ratio	9.4x
P/FCF ratio	10.04x
P/OCF ratio	8.67x
P/S ratio	3.02x
Price / tangible book value	1.58x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

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

Metric	Value
Effective tax rate	18.13%
FCF margin	30.04%
Operating margin	44.33%
Pretax margin	39.33%
Profit margin	32.2%
Profit per employee	$91,497
Profitable quarters	5
Profitable years	11
Revenue per employee	$284,144
ROA	1.25%
ROA (5Y)	0.94%
ROE	11.97%
ROE (5Y)	10.62%
SBC / revenue	0.63%
Tax / revenue	7.13%

Growth

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

Metric	Value
EPS growth	179.71%
EPS growth (Q)	-7.78%
EPS growth (QoQ)	-8.79%
EPS growth 10Y	9.4%
EPS growth 3Y	5.4%
EPS growth 5Y	8.05%
EPS growth years	0
FCF growth	247.34%
FCF growth (Q)	176.73%
FCF growth 3Y	4.13%
FCF growth 5Y	12.33%
Net income growth	287.09%
Net income growth (Q)	-7.91%
Net income growth (QoQ)	-9.06%
Net income growth 3Y	32.84%
Net income growth 5Y	23.29%
Net income growth years	2
OCF growth	219.14%
OCF growth (Q)	152.08%
OCF growth 10Y	23.48%
OCF growth 3Y	7.27%
OCF growth 5Y	13.83%
Revenue growth	56.78%
Revenue growth (Q)	-2.58%
Revenue growth (QoQ)	-3.23%
Revenue growth 10Y	20.44%
Revenue growth 3Y	27.63%
Revenue growth 5Y	17.17%
Revenue growth years	2

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-8.1M
EPS	$3.63
FCF per share	$3.41
Financing cash flow	$83.6M
Free cash flow	$51M
Gross profit	$169.9M
Income taxes	$12.1M
Investing cash flow	$-210.3M
Net borrowing	$96.3M
Net cash flow	$-67.6M
Net income	$54.7M
Operating income	$75.3M
Revenue	$169.9M
Stock-based compensation	$1.1M

Financial strength

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

Metric	Value
Book value per share	$32.29
Debt / equity	0.71
Debt / FCF	6.75
Goodwill	$129.9M
Net cash (debt)	$-254.2M
Net cash / market cap	-49.59%
Net debt / equity	0.53
Net debt / FCF	4.98
Piotroski F-Score	4
Property, plant and equipment	$50.4M
Shareholders' equity	$482.7M
Tangible book value	$324.9M
Tangible book value per share	$21.73
Total assets	$4.5B
Total cash	$90.2M
Total debt	$344.3M
Total liabilities	$4B
WACC	4.63%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-3.8B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	-38.55%
Dividend growth	3.57%
Dividend growth (10Y)	6.52%
Dividend growth (3Y)	3.71%
Dividend growth (5Y)	4.97%
Dividend growth years	5
Dividend payment date	2026-09-30
Dividend payment years	33
Dividend payout frequency	Quarterly
Dividend per share	$1.16
Dividend yield	3.39%
Ex-dividend date	2026-09-15
FCF payout ratio	33.99%
Last dividend	$0.29
Payout ratio	31.96%
Shareholder yield	-35.17%

Performance and technicals

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

Metric	Value
10Y price change	70.22%
10Y return CAGR	9.4%
10Y total return	145.51%
150-day SMA	$32.36
15Y price change	220.14%
15Y return CAGR	11.93%
15Y total return	442.55%
1D price change	-1.73%
1M price change	3.21%
1M total return	3.21%
1W price change	2.9%
1W total return	2.9%
1Y price change	12.27%
1Y return CAGR	16.53%
1Y total return	16.52%
20-day SMA	$33.26
200-day SMA	$31.46
20Y price change	113.13%
20Y return CAGR	8.12%
20Y total return	376.52%
3M price change	0.59%
3M total return	1.45%
3Y price change	80.43%
3Y return CAGR	26.37%
3Y total return	101.83%
50-day SMA	$33.31
50-day SMA vs 200-day SMA	50over200
52-week high	$35.40
52-week high date	2025-12-18
52-week low	$26.63
52-week low date	2026-03-19
5Y price change	34.81%
5Y return CAGR	10.45%
5Y total return	64.36%
6M price change	13.17%
6M total return	15.16%
All-time high	$38.15
All-time high date	2024-12-11
All-time low	$3.86
All-time low date	2009-03-18
Average true range (ATR)	$0.78
Average volume	85.9K
Beta (1Y)	0.42
Beta (2Y)	0.82
Beta (5Y)	0.64
Change from 52-week high	-3.62%
Change from 52-week low	28.13%
Change from all-time high	-10.56%
Change from all-time low	785.08%
Change from open	-0.15%
Day's gap	-1.58%
Dollar volume	$2.9M
High price	$34.17
Low price	$33.94
Monthly RSI	60.25
Open price	$34.17
Position in 52-week range	78.26%
Premarket change	-0.64%
Premarket close	$34.72
Premarket price	$34.50
Previous close	$34.72
Price vs 150-day SMA	5.43%
Price vs 20-day SMA	2.58%
Price vs 200-day SMA	8.46%
Price vs 50-day SMA	2.43%
Relative volume	1
RSI	57.83
Sharpe ratio	0.59
Sharpe ratio (3Y)	0.81
Sharpe ratio (5Y)	0.36
Sortino ratio	1.12
Sortino ratio (3Y)	1.41
Sortino ratio (5Y)	0.72
Volume	85.7K
Weekly RSI	59.07
YTD price change	15.58%
YTD total return	18.86%

Ownership and float

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

Metric	Value
Float	13.7M
Float percentage	91.63%
Shares change (QoQ)	-0.24%
Shares change (YoY)	38.55%
Shares held by insiders	8.37%
Shares held by institutions	49.56%
Shares outstanding	15M
Short % of float	3.78%
Short % of shares	3.47%
Short ratio	6.8 days

Deeper analysis on COFS

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this COFS report

Is a complete COFS research report available?

No complete published report is available for ChoiceOne Financial Services, Inc. (COFS) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

ChoiceOne Financial Services, Inc. (COFS)

Price

Financial snapshot

Fair-value bridge

Latest news · COFS

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All COFS indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on COFS

Frequently asked questions