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
Finance
Primary listing
NASDAQ
Employees
552
Headquarters
Sparta, United States
Website
www.choiceone.bank

COFS Metrics

BasicAdvanced
$500M
9.36
$3.57
0.62
$1.15
3.47%

Bulls say / Bears say

First-quarter profit recovered to $13.7 million from a $13.9 million loss a year earlier, helped by stronger net interest income and much lower merger-related costs. This shows the Fentura integration is moving beyond its heaviest one-off charges. (ChoiceOne Financial Services)
Loans grew by $30.9 million, or 4.2% annualised, in the first quarter, and management said its loan pipeline remained strong. The planned Troy branch and lending office could add reach in an attractive south-east Michigan market. (ChoiceOne Financial Services)
The shares trade below book value and offer an income yield of roughly 3.8%, while management has started buying back shares. That combination could support returns if earnings continue to normalise after the merger. (Seeking Alpha)
Non-performing loans rose to 1.01% of loans from 0.98% at year-end. Although much of the increase came from acquired credit-impaired loans, the elevated ratio leaves less room for further deterioration without higher provisions. (ChoiceOne Financial Services)
ChoiceOne had $185 million of Federal Home Loan Bank borrowings at 31 March, with $165 million due within 12 months. Greater reliance on wholesale funding can pressure earnings if deposit competition keeps funding costs high or refinancing becomes less favourable. (ChoiceOne Financial Services)
First-quarter net interest margin received a 26-basis-point lift from purchased-loan accretion, and the remaining 2026 benefit depends on prepayments and paydowns. If those cash flows arrive earlier than expected, reported interest income could fade faster than the underlying loan book suggests. (ChoiceOne Financial Services)
Data summarised monthly by Lightyear AI. Last updated on 17 Sept 2026.

Funds containing COFS

Funds
Fund name
Fund size
$COFS weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.02%
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