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
Employees
573
Headquarters
Website
COFS Metrics
BasicAdvanced
$452M
17.48
$1.72
0.57
$1.12
3.72%
Price and volume
Market cap
$452M
Beta
0.57
52-week high
$32.25
52-week low
$24.89
Average daily volume
97K
Dividend rate
$1.12
Financial strength
Profitability
Net profit margin (TTM)
16.78%
Operating margin (TTM)
38.28%
Effective tax rate (TTM)
18.06%
Revenue per employee (TTM)
$220,000
Management effectiveness
Return on assets (TTM)
0.61%
Return on equity (TTM)
6.16%
Valuation
Price to earnings (TTM)
17.483
Price to revenue (TTM)
2.923
Price to book
1.01
Price to tangible book (TTM)
1.55
Dividend yield (TTM)
3.72%
Forward dividend yield
3.72%
Growth
Revenue change (TTM)
45.55%
Earnings per share change (TTM)
-45.60%
3-year revenue growth (CAGR)
16.91%
3-year earnings per share growth (CAGR)
-16.14%
10-year earnings per share growth (CAGR)
0.31%
3-year dividend per share growth (CAGR)
3.85%
10-year dividend per share growth (CAGR)
6.79%
Bulls say / Bears say
ChoiceOne delivered adjusted EPS of $0.91 in Q2 2025, surpassing consensus estimates of $0.78 by 17%, highlighting stronger-than-expected profitability (Ainvest).
The March 1, 2025 merger added $1.8 billion in assets and $1.4 billion in both loans and deposits, expanding total assets to $4.3 billion and lifting the GAAP net interest margin to 3.66% from 2.95% year-over-year (Ainvest).
Asset quality remained robust post-merger with annualized net loan charge-offs at 0.06% and a nonperforming loans ratio of 0.66% as of June 30, 2025, underlining disciplined credit risk management (TradingView).
ChoiceOne reported a net loss of $372,000 for the six months ended June 30, 2025, reversing a prior year net income of $12.2 million, largely due to $13.9 million in merger-related expenses (TradingView).
Core loans declined by $4.8 million on an annualized basis during Q2 2025, indicating potential drag on organic loan growth post-merger (TradingView).
Non-brokered deposits fell by $98.0 million quarter-over-quarter as of June 30, 2025, suggesting volatility in the bank’s core funding base (TradingView).
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 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.
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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 $452M as of October 30, 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 17.48 as of October 30, 2025.
Does ChoiceOne Financial Services stock pay dividends?
Yes, the ChoiceOne Financial Services (COFS) stock pays dividends to shareholders. As of October 30, 2025, the dividend rate is $1.12 and the yield is 3.72%. ChoiceOne Financial Services has a payout ratio of 0% 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 0.57. 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.