COFS
ChoiceOne Financial Services, Inc.
Price Chart
Latest Quote
$31.87
-0.31 (-0.96%)
Current Price
| Previous Close | $32.18 |
| Open | $32.46 |
| Day High | $32.75 |
| Day Low | $31.79 |
| Volume | 215,796 |
Stock Information
| Quarterly Dividend / Yield | $1.16 / 3.61% |
| Shares Outstanding | 14.98M |
| Quarterly Dividend Yield | 3.61% |
| Quarterly Dividend | $1.16 |
| Total Debt | $234.50M |
| Cash Equivalents | $85.75M |
| Revenue | $171.01M |
| Net Income | $55.79M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $477.25M |
| P/E Ratio | 7.55 |
| EPS (TTM) | $4.22 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $629.15M |
| Sales | $171.01M |
| Income | $55.79M |
| Book/sh | $31.42 |
| Cash/sh | $5.73 |
| Employees | 561 |
Financial Ratios
Returns & Margins
| ROA | 1.28% |
| ROE | 12.44% |
| Operating Margin | 44.60% |
| Profit Margin | 32.62% |
Ownership
| Insider Ownership | 6.53% |
| Institutional Ownership | 46.04% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.65 |
| PEG | -1.29 |
| P/S | 2.79 |
| P/B | 1.01 |
Analyst Data
| Recommendation | none |
| Target Price | $33.67 |
Technical Indicators
| SMA20 | $31.56 |
| SMA50 | $30.79 |
| SMA200 | $29.12 |
| RSI | 57.07 |
| ATR | 1.2005 |
| Shares Float | 13.70M |
| Short Float | 1.54% |
| Short Ratio | 3.23 |
| Volatility | 0.63 |
| Rel Volume | 2.60 |
Performance History
| Week | -0.81% |
| Month | +4.13% |
| Quarter | +16.68% |
| 6 Months | +1.74% |
| YTD | +12.17% |
| Year | +20.36% |
| 3 Years | +48.68% |
| 5 Years | +56.97% |
| 10 Years | +123.06% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $31.87 | 249,300 |
| 2026-06-17 | $32.18 | 107,700 |
| 2026-06-16 | $32.08 | 103,900 |
| 2026-06-15 | $31.93 | 65,500 |
| 2026-06-12 | $32.28 | 82,300 |
| 2026-06-11 | $32.13 | 72,200 |
| 2026-06-10 | $32.28 | 102,100 |
| 2026-06-09 | $32.11 | 81,600 |
| 2026-06-08 | $31.73 | 63,100 |
| 2026-06-05 | $31.50 | 69,500 |
| 2026-06-04 | $31.09 | 78,800 |
| 2026-06-03 | $30.25 | 86,000 |
| 2026-06-02 | $31.32 | 120,600 |
| 2026-06-01 | $30.72 | 126,300 |
| 2026-05-29 | $31.12 | 77,700 |
| 2026-05-28 | $31.14 | 69,600 |
| 2026-05-27 | $31.29 | 62,000 |
| 2026-05-26 | $31.59 | 98,800 |
| 2026-05-22 | $31.16 | 103,000 |
| 2026-05-21 | $31.33 | 100,400 |
| 2026-05-20 | $31.07 | 86,100 |
| 2026-05-19 | $30.61 | 55,400 |
About ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
đ° Latest News
All You Need to Know About ChoiceOne Financial Services (COFS) Rating Upgrade to Buy
Zacks âĸ 2026-06-10T16:00:02Z
ChoiceOne Financial Services And 2 Other Top Dividend Stocks To Consider
Simply Wall St. âĸ 2026-06-02T17:32:14Z
Exploring May 2026's Undervalued Small Caps With Insider Buying
Simply Wall St. âĸ 2026-05-13T11:39:49Z
3 Dividend Stocks With Yields Up To 4.3 For Your Portfolio
Simply Wall St. âĸ 2026-05-04T11:31:54Z
ChoiceOne Financial Services, Inc. (COFS) Q1 Earnings Surpass Estimates
Zacks âĸ 2026-04-24T12:40:01Z
April 2026's Standout Dividend Stocks
Simply Wall St. âĸ 2026-04-02T17:31:52Z
ChoiceOne Financial Services (COFS) Upgraded to Buy: What Does It Mean for the Stock?
Zacks âĸ 2026-03-30T16:00:04Z
ChoiceOne Financial Services, Inc. (COFS) Q4 Earnings Beat Estimates
Zacks âĸ 2026-01-30T13:40:02Z
Dividend Stocks To Consider In January 2026
Simply Wall St. âĸ 2026-01-28T11:31:51Z
Several Insiders Invested In ChoiceOne Financial Services Flagging Positive News
Simply Wall St. âĸ 2026-01-03T13:52:50Z
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $161,736,000 | $92,437,000 | $80,791,000 | $81,386,000 |
| Operating Revenue | $161,736,000 | $92,437,000 | $80,791,000 | $81,386,000 |
| Expenses | ||||
| Interest Expense | $65,888,000 | $46,662,000 | $33,095,000 | $7,746,000 |
| Selling And Marketing Expense | $981,000 | $788,000 | $721,000 | $764,000 |
| General And Administrative Expense | $54,747,000 | $34,743,000 | $33,147,000 | $31,113,000 |
| Professional Expense And Contract Services Expense | $3,262,000 | $2,471,000 | $2,198,000 | $2,175,000 |
| Other Non Interest Expense | $21,239,000 | $13,128,000 | $12,005,000 | $12,084,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Net Interest Income | $137,070,000 | $74,442,000 | $65,885,000 | $67,314,000 |
| Interest Income | $202,958,000 | $121,104,000 | $98,980,000 | $75,060,000 |
| Normalized Income | $42,674,280 | $27,406,528 | $21,138,696 | $23,555,850 |
| Net Income From Continuing And Discontinued Operation | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Net Income Common Stockholders | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Net Income | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Net Income Including Noncontrolling Interests | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Net Income Continuous Operations | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Pretax Income | $34,188,000 | $33,089,000 | $25,567,000 | $27,658,000 |
| Special Income Charges | $-17,369,000 | $-1,039,000 | $0 | $0 |
| Depreciation Amortization Depletion Income Statement | $5,823,000 | $757,000 | $955,000 | $1,153,000 |
| Depreciation And Amortization In Income Statement | $5,823,000 | $757,000 | $955,000 | $1,153,000 |
| Amortization Of Intangibles Income Statement | $5,823,000 | $757,000 | $955,000 | $1,153,000 |
| Per Share | ||||
| Diluted EPS | $2.01 | $3.25 | $2.82 | $3.15 |
| Basic EPS | $2.02 | $3.27 | $2.82 | $3.15 |
| Other | ||||
| Tax Effect Of Unusual Items | $-3,096,720 | $-161,472 | $24,696 | $14,850 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-17,595,000 | $-841,000 | $147,000 | $99,000 |
| Total Unusual Items Excluding Goodwill | $-17,595,000 | $-841,000 | $147,000 | $99,000 |
| Reconciled Depreciation | $19,870,000 | $12,333,000 | $12,430,000 | $13,342,000 |
| Diluted Average Shares | $14,017,910 | $8,223,692 | $7,539,362 | $7,504,762 |
| Basic Average Shares | $13,948,515 | $8,173,394 | $7,539,362 | $7,504,762 |
| Diluted NI Availto Com Stockholders | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Tax Provision | $6,012,000 | $6,362,000 | $4,306,000 | $4,018,000 |
| Restructuring And Mergern Acquisition | $17,369,000 | $1,039,000 | $0 | $0 |
| Gain On Sale Of Security | $607,000 | $195,000 | $-317,000 | $-1,764,000 |
| Amortization | $5,823,000 | $757,000 | $955,000 | $1,153,000 |
| Selling General And Administration | $55,728,000 | $35,531,000 | $33,868,000 | $31,877,000 |
| Insurance And Claims | $2,010,000 | $1,335,000 | $1,184,000 | $722,000 |
| Salaries And Wages | $52,737,000 | $33,408,000 | $31,963,000 | $30,391,000 |
| Occupancy And Equipment | $9,314,000 | $5,797,000 | $6,048,000 | $6,189,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-17
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $307,512,000 | $199,373,000 | $133,834,000 | $106,119,000 |
| Total Assets | $4,410,551,000 | $2,723,243,000 | $2,576,706,000 | $2,385,915,000 |
| Goodwill And Other Intangible Assets | $157,841,000 | $61,042,000 | $61,800,000 | $62,755,000 |
| Other Intangible Assets | $27,987,000 | $1,096,000 | $1,854,000 | $2,809,000 |
| Cash And Cash Equivalents | $87,988,000 | $96,751,000 | $55,433,000 | $43,943,000 |
| Cash Financial | $87,638,000 | $96,401,000 | $55,083,000 | $43,593,000 |
| Cash Cash Equivalents And Federal Funds Sold | $87,988,000 | $96,751,000 | $55,433,000 | $43,943,000 |
| Debt | ||||
| Net Debt | $225,472,000 | $114,001,000 | $180,074,000 | $41,319,000 |
| Total Debt | $313,460,000 | $210,752,000 | $235,507,000 | $85,262,000 |
| Long Term Debt And Capital Lease Obligation | $68,460,000 | $55,752,000 | $215,507,000 | $35,262,000 |
| Long Term Debt | $68,460,000 | $55,752,000 | $215,507,000 | $35,262,000 |
| Current Debt And Capital Lease Obligation | $245,000,000 | $155,000,000 | $20,000,000 | $50,000,000 |
| Current Debt | $245,000,000 | $155,000,000 | $20,000,000 | $50,000,000 |
| Other Current Borrowings | $245,000,000 | $155,000,000 | $20,000,000 | $50,000,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,945,198,000 | $2,462,828,000 | $2,381,072,000 | $2,217,041,000 |
| Equity | ||||
| Common Stock Equity | $465,353,000 | $260,415,000 | $195,634,000 | $168,874,000 |
| Total Equity Gross Minority Interest | $465,353,000 | $260,415,000 | $195,634,000 | $168,874,000 |
| Stockholders Equity | $465,353,000 | $260,415,000 | $195,634,000 | $168,874,000 |
| Gains Losses Not Affecting Retained Earnings | $-35,674,000 | $-37,779,000 | $-51,578,000 | $-71,797,000 |
| Other Equity Adjustments | $-35,674,000 | $-37,779,000 | $-51,578,000 | $-71,797,000 |
| Retained Earnings | $102,641,000 | $91,414,000 | $73,699,000 | $68,394,000 |
| Other | ||||
| Ordinary Shares Number | $15,000,939 | $8,965,483 | $7,548,217 | $7,516,098 |
| Share Issued | $15,000,939 | $8,965,483 | $7,548,217 | $7,516,098 |
| Tangible Book Value | $307,512,000 | $199,373,000 | $133,834,000 | $106,119,000 |
| Invested Capital | $778,813,000 | $471,167,000 | $431,141,000 | $254,136,000 |
| Total Capitalization | $533,813,000 | $316,167,000 | $411,141,000 | $204,136,000 |
| Capital Stock | $398,386,000 | $206,780,000 | $173,513,000 | $172,277,000 |
| Common Stock | $398,386,000 | $206,780,000 | $173,513,000 | $172,277,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $948,966,000 | $881,433,000 | $930,062,000 | $964,221,000 |
| Held To Maturity Securities | $383,051,000 | $394,534,000 | $407,959,000 | $425,906,000 |
| Available For Sale Securities | $431,638,000 | $7,782,000 | $7,505,000 | $8,566,000 |
| Goodwill | $129,854,000 | $59,946,000 | $59,946,000 | $59,946,000 |
| Net PPE | $48,110,000 | $27,099,000 | $29,750,000 | $28,232,000 |
| Accumulated Depreciation | $-32,327,000 | $-22,225,000 | $-20,939,000 | $-18,207,000 |
| Gross PPE | $80,437,000 | $49,324,000 | $50,689,000 | $46,439,000 |
| Leases | $1,262,000 | $116,000 | $81,000 | $81,000 |
| Machinery Furniture Equipment | $21,791,000 | $12,751,000 | $12,558,000 | $11,208,000 |
| Buildings And Improvements | $46,501,000 | $28,525,000 | $29,635,000 | $26,823,000 |
| Land And Improvements | $10,883,000 | $7,932,000 | $8,415,000 | $8,327,000 |
| Other Short Term Investments | $134,277,000 | $479,117,000 | $514,598,000 | $529,749,000 |
Fetched: 2026-06-17
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $25,187,000 | $45,375,000 | $42,099,000 | $43,163,000 |
| Operating Activities | ||||
| Operating Cash Flow | $31,814,000 | $47,081,000 | $46,333,000 | $44,327,000 |
| Cash Flow From Continuing Operating Activities | $31,814,000 | $47,081,000 | $46,333,000 | $44,327,000 |
| Operating Gains Losses | $-1,981,000 | $-2,439,000 | $-1,883,000 | $-1,534,000 |
| Investing Activities | ||||
| Capital Expenditure | $-6,627,000 | $-1,706,000 | $-4,234,000 | $-1,164,000 |
| Investing Cash Flow | $106,686,000 | $-96,345,000 | $-181,216,000 | $-89,806,000 |
| Cash Flow From Continuing Investing Activities | $106,686,000 | $-96,345,000 | $-181,216,000 | $-89,806,000 |
| Net Other Investing Changes | $-5,243,000 | $-2,719,000 | $-775,000 | $690,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-2,679,000 | $0 | $0 | $-682,000 |
| Issuance Of Capital Stock | $892,000 | $32,767,000 | $231,000 | $172,000 |
| Financing Cash Flow | $-147,263,000 | $90,582,000 | $146,373,000 | $57,536,000 |
| Cash Flow From Continuing Financing Activities | $-147,263,000 | $90,582,000 | $146,373,000 | $57,536,000 |
| Cash Dividends Paid | $-16,949,000 | $-9,012,000 | $-7,910,000 | $-7,578,000 |
| Common Stock Dividend Paid | $-16,949,000 | $-9,012,000 | $-7,910,000 | $-7,578,000 |
| Net Common Stock Issuance | $-1,787,000 | $32,767,000 | $231,000 | $-510,000 |
| Common Stock Issuance | $892,000 | $32,767,000 | $231,000 | $172,000 |
| Other | ||||
| Interest Paid Supplemental Data | $65,107,000 | $49,902,000 | $27,481,000 | $7,577,000 |
| Income Tax Paid Supplemental Data | $7,293,000 | $6,350,000 | $4,450,000 | $1,989,000 |
| End Cash Position | $87,988,000 | $96,751,000 | $55,433,000 | $43,943,000 |
| Beginning Cash Position | $96,751,000 | $55,433,000 | $43,943,000 | $31,886,000 |
| Changes In Cash | $-8,763,000 | $41,318,000 | $11,490,000 | $12,057,000 |
| Proceeds From Stock Option Exercised | $-327,000 | $-220,000 | $0 | $-85,000 |
| Common Stock Payments | $-2,679,000 | $0 | $0 | $-682,000 |
| Net Issuance Payments Of Debt | $-80,213,000 | $-25,000,000 | $150,000,000 | $0 |
| Net Short Term Debt Issuance | $-80,213,000 | $-25,000,000 | $150,000,000 | - |
| Net Investment Purchase And Sale | $34,800,000 | $42,930,000 | $43,314,000 | $41,288,000 |
| Sale Of Investment | $123,182,000 | $59,770,000 | $49,748,000 | $106,828,000 |
| Purchase Of Investment | $-88,382,000 | $-16,840,000 | $-6,434,000 | $-65,540,000 |
| Net Business Purchase And Sale | $173,074,000 | $0 | $0 | $0 |
| Sale Of Business | $173,082,000 | $0 | $0 | $0 |
| Purchase Of Business | $-8,000 | $0 | $0 | - |
| Net PPE Purchase And Sale | $-6,627,000 | $-1,706,000 | $-4,234,000 | $-1,164,000 |
| Purchase Of PPE | $-6,627,000 | $-1,706,000 | $-4,234,000 | $-1,164,000 |
| Change In Working Capital | $-15,219,000 | $13,973,000 | $14,723,000 | $1,997,000 |
| Change In Other Current Liabilities | $-18,649,000 | $14,790,000 | $7,596,000 | $6,205,000 |
| Change In Other Current Assets | $3,430,000 | $-817,000 | $7,127,000 | $-4,208,000 |
| Other Non Cash Items | $-14,086,000 | $-4,392,000 | $-1,575,000 | $4,734,000 |
| Stock Based Compensation | $883,000 | $720,000 | $1,005,000 | $958,000 |
| Unrealized Gain Loss On Investment Securities | $-607,000 | $-195,000 | $246,000 | $955,000 |
| Asset Impairment Charge | $78,000 | $0 | $0 | $0 |
| Deferred Tax | $-113,000 | $-271,000 | $-24,000 | $-15,000 |
| Deferred Income Tax | $-113,000 | $-271,000 | $-24,000 | $-15,000 |
| Depreciation Amortization Depletion | $19,870,000 | $12,333,000 | $12,430,000 | $13,342,000 |
| Depreciation And Amortization | $19,870,000 | $12,333,000 | $12,430,000 | $13,342,000 |
| Amortization Cash Flow | $16,260,000 | $9,870,000 | $9,953,000 | $10,684,000 |
| Amortization Of Intangibles | $16,260,000 | $9,870,000 | $9,953,000 | $10,684,000 |
| Depreciation | $3,610,000 | $2,463,000 | $2,477,000 | $2,658,000 |
| Gain Loss On Investment Securities | $0 | $0 | $71,000 | $809,000 |
| Net Income From Continuing Operations | $28,176,000 | $26,727,000 | $21,261,000 | $23,640,000 |
| Repayment Of Debt | - | $-340,000,000 | $-270,000,000 | $-726,000,000 |
| Issuance Of Debt | - | $315,000,000 | $420,000,000 | $726,000,000 |
| Net Long Term Debt Issuance | - | $-25,000,000 | $150,000,000 | $0 |
| Long Term Debt Payments | - | $-340,000,000 | $-270,000,000 | $-726,000,000 |
| Long Term Debt Issuance | - | $315,000,000 | $420,000,000 | $726,000,000 |
Fetched: 2026-06-17