CHOICEONE FINANCIAL SVCS INC
COFSNASDAQTrading Snapshot
- Day Range
- $33.85 – $34.43
- 52-Week Range
- $26.10 – $35.40
- Volume
- $2.13B
- Avg Volume
- $2.08B
- Shares Outstanding
- 15.0M
- Next Earnings
- Oct 14, 2026
Fundamentals Snapshot
- Annual Revenue
- $193M
- Last Q Revenue
- $1M
- P/E Ratio
- 9.4
- P/S Ratio
- 2.8x
- EPS (TTM)
- $3.64
- Dividend Yield
- 3.36%
Why Investors Own COFS
- ✓High-growth profile — revenue up +6.6% YoY with expanding US Equity exposure.
- ✓Healthy economics — 65% gross margin and 29% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
About CHOICEONE FINANCIAL SVCS INC
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
Otter Score Breakdown
ⓘAnalyst Ratings
ⓘLatest News & Updates
ChoiceOne Financial Services (COFS) Upgraded to Buy: Here's What You Should Know
ChoiceOne Financial Services (COFS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.
DA Davidson Maintains Buy on ChoiceOne Financial Servs, Raises Price Target to $38
DA Davidson analyst Jeff Rulis maintains ChoiceOne Financial Servs (NASDAQ:COFS) with a Buy and raises the price target from $36 to $38.
ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Surpass Estimates
ChoiceOne Financial Services (COFS) delivered earnings and revenue surprises of +5.68% and -3.40%, respectively, for the quarter ended June 2026. Do the numbers hold clues to what lies ahead for the stock?
ChoiceOne Reports Second Quarter 2026 Results
ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2026.
ChoiceOne Finl Servs Q2 EPS $0.83 Misses $0.88 Estimate, Sales $41.636M Miss $43.450M Estimate
ChoiceOne Finl Servs (NASDAQ:COFS) reported quarterly earnings of $0.83 per share which missed the analyst consensus estimate of $0.88 by 5.68 percent. This is a 7.78 percent decrease over earnings of $0.90 per share
Why ChoiceOne Financial Services (COFS) is Poised to Beat Earnings Estimates Again
ChoiceOne Financial Services (COFS) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.