ChoiceOne Financial Services/$COFS
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About ChoiceOne Financial Services
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
Ticker
$COFS
Sector
Primary listing
Industry
Banks
Headquarters
Employees
364
ISIN
US1703861062
Website
COFS Metrics
BasicAdvanced
$430M
35.94
$0.80
0.58
$1.11
3.90%
Price and volume
Market cap
$430M
Beta
0.58
52-week high
$32.25
52-week low
$24.89
Average daily volume
140K
Dividend rate
$1.11
Financial strength
Dividend payout ratio (TTM)
155.35%
Profitability
Net profit margin (TTM)
8.09%
Operating margin (TTM)
32.68%
Effective tax rate (TTM)
16.94%
Revenue per employee (TTM)
$240,000
Management effectiveness
Return on assets (TTM)
0.21%
Return on equity (TTM)
2.27%
Valuation
Price to earnings (TTM)
35.94
Price to revenue (TTM)
2.894
Price to book
0.72
Price to tangible book (TTM)
1.62
Price to free cash flow (TTM)
10.426
Free cash flow yield (TTM)
9.59%
Free cash flow per share (TTM)
275.28%
Dividend yield (TTM)
3.87%
Forward dividend yield
3.90%
Growth
Revenue change (TTM)
10.37%
Earnings per share change (TTM)
-71.55%
3-year revenue growth (CAGR)
3.68%
3-year earnings per share growth (CAGR)
-34.16%
10-year earnings per share growth (CAGR)
-7.09%
3-year dividend per share growth (CAGR)
4.28%
10-year dividend per share growth (CAGR)
7.29%
Bulls say / Bears say
ChoiceOne Financial Services completed a merger with Fentura Financial, creating a $4.3 billion-asset bank holding company, positioning it as the third-largest publicly traded bank in Michigan, which could enhance its market presence and growth potential. (stocktitan.net)
The company reported strong Q3 2024 results with net income of $7.3 million, a 43.5% increase from Q3 2023, and core loans grew by $64.5 million, indicating robust financial health and operational efficiency. (stocktitan.net)
ChoiceOne Financial Services has a history of increasing its dividend, with a recent quarterly dividend of $0.28 per share, reflecting a commitment to returning value to shareholders. (marketbeat.com)
The company's stock experienced an 11% decline over a week, coinciding with the completion of a buyback program that saw no shares repurchased, raising concerns about capital deployment strategies. (simplywall.st)
Analyst firm DA Davidson reduced their price objective on shares of ChoiceOne Financial Services from $41.00 to $39.00, indicating a more cautious outlook on the company's future performance. (americanbankingnews.com)
The company's earnings per share are forecasted to fall by 0.7% over the next year, suggesting potential challenges in maintaining current profitability levels. (simplywall.st)
Data summarised monthly by Lightyear AI. Last updated on 5 Jun 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
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FAQs
What’s the current market cap for ChoiceOne Financial Services stock?
ChoiceOne Financial Services (COFS) has a market cap of $430M as of July 01, 2025.
What is the P/E ratio for ChoiceOne Financial Services stock?
The price to earnings (P/E) ratio for ChoiceOne Financial Services (COFS) stock is 35.94 as of July 01, 2025.
Does ChoiceOne Financial Services stock pay dividends?
Yes, the ChoiceOne Financial Services (COFS) stock pays dividends to shareholders. As of July 01, 2025, the dividend rate is $1.11 and the yield is 3.9%. ChoiceOne Financial Services has a payout ratio of 155.35% on a trailing twelve-month basis.
When is the next ChoiceOne Financial Services dividend payment date?
The next ChoiceOne Financial Services (COFS) dividend payment date is unconfirmed.
What is the beta indicator for ChoiceOne Financial Services?
ChoiceOne Financial Services (COFS) has a beta rating of 0.58. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.