ChoiceOne Financial Services/$COFS
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- 571
- Headquarters
- Sparta, United States
- Website
- www.choiceone.bank
COFS Metrics
BasicAdvanced
$549M
10.14
$3.63
0.64
$1.16
3.15%
Price and volume
Market cap
$549M
Beta
0.64
52-week high
$38.89
52-week low
$26.63
Average daily volume
92K
Dividend rate
$1.16
Financial strength
Profitability
Net profit margin (TTM)
32.17%
Operating margin (TTM)
43.93%
Effective tax rate (TTM)
17.62%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
1.25%
Return on equity (TTM)
11.87%
Valuation
Price to earnings (TTM)
10.141
Price to revenue (TTM)
3.239
Price to book
1.17
Price to tangible book (TTM)
1.75
Dividend yield (TTM)
3.15%
Forward dividend yield
3.15%
Growth
Revenue change (TTM)
32.32%
Earnings per share change (TTM)
111.34%
3-year revenue growth (CAGR)
27.75%
3-year earnings per share growth (CAGR)
6.41%
10-year earnings per share growth (CAGR)
8.87%
3-year dividend per share growth (CAGR)
3.71%
10-year dividend per share growth (CAGR)
6.45%
What the Analysts think about COFS
Analyst ratings (Buy, Hold, Sell) for ChoiceOne Financial Services stock.
Analyst projections of the future price of ChoiceOne Financial Services stock.
Bulls say / Bears say
Core loans grew 5.0% over the year to September and $33.6 million in the third quarter, giving ChoiceOne a larger base to earn interest from. (SEC)
The net interest margin widened to 3.67% from 3.59% in the prior quarter, while net interest income rose to $38.4 million from $36.7 million. Lower deposit and funding costs helped drive the improvement. (SEC)
Credit losses remain low: annualised net charge-offs were 0.08% of average loans in the third quarter, and 35.5% of loans are supported by SBA or USDA guarantees. That provides some cushion if borrowers run into difficulty. (SEC)
Nonperforming loans rose to 1.25% of loans in September from 1.07% in June, signalling deterioration that could lead to higher credit costs if it continues. (SEC)
Third-quarter net income was slightly lower than a year earlier, while purchased-loan accretion added 25 basis points to the margin. This income depends partly on loan prepayments and payoffs, so the margin improvement may not be fully repeatable. (SEC)
Uninsured deposits were $1.3 billion, or 35% of deposits, at September’s end. A sizeable uninsured share can make funding less dependable if depositors become concerned and withdraw funds. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2026.
COFS Financial Performance
Revenues and expenses
COFS Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing COFS
Fund name | Fund size | $COFS weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
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.
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