COFS — ChoiceOne Financial Services, Inc. stock price, charts and financials

NASDAQ·Financial Services·Banks - Regional·USA

Latest market price

34.49

+0.28+0.82%

Overview Short InterestFilings

COFSQT59ChoiceOne Financial Services, Inc.·NASDAQ

Overview Short InterestFilings

34.49+0.82%

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DCOM+1.29%$41.74 TFIN+4.18%$79.83 TCBK+1.02%$58.63 STBA+0.57%$52.68 CASH-1.38%$89.50 GABC+0.18%$51.19 NBHC+0.65%$43.47 STEL+0.03%$39.32

Snapshot

Index	-	P/E	9.42	EPS (ttm)	3.63	Insider Own	8.28%	Shs Outstand	14.95M	Perf Week	0.85%

Market Cap	511.46M	Forward P/E	9.15	EPS next Y	3.74	Insider Trans	-0.46%	Shs Float	13.70M	Perf Month	0.85%

Enterprise Value	211.46M	PEG	8.72	EPS next Q	0.93	Inst Own	-	Short Float	2.16%	Perf Quarter	11.80%

Income	55.00M	P/S	2.81	EPS this Y	1.93%	Inst Trans	-	Short Ratio	3.38	Perf Half Y	19.24%

Sales	182.00M	P/B	1.06	EPS next Y	1.08%	ROA	1.23%	Short Interest	296.36K	Perf YTD	15.89%

Book/sh	32.31	P/C	0.79	EPS next 5Y	1.08%	ROE	11.72%	52W High	35.69 -3.36%	Perf Year	16.36%

Cash/sh	43.08	P/FCF	16.52	EPS past 3/5Y	-13.91% -0.59%	ROIC	3.36%	52W Low	26.31 31.07%	Perf 3Y	44.04%

Dividend Est.	1.16 (3.36%)	EV/EBITDA	4.60	Sales past 3/5Y	29.44% 19.87%	Gross Margin	62.28%	Volatility	3.96% 3.59%	Perf 5Y	39.75%

Dividend TTM	1.15 (3.33%)	EV/Sales	1.16	EPS Y/Y TTM	11.69%	Oper. Margin	19.22%	ATR (14)	1.28	Perf 10Y	69.11%

Dividend Ex-Date	Jun 15, 2026	Quick Ratio	0.17	Sales Y/Y TTM	30.94%	Profit Margin	29.96%	RSI (14)	55.85	Recom	2.33

Dividend Gr. 3/5Y	3.81% 6.62%	Current Ratio	0.17	EPS Q/Q	-8.79%	SMA20	1.72%	Beta	0.60	Target Price	38.00

Payout	31.24%	Debt/Eq	0.67	Sales Q/Q	-98.33%	SMA50	4.22%	Rel Volume	0.59	Prev Close	34.21

Employees	605	LT Debt/Eq	0.15	Earnings	Oct 23	SMA200	12.87%	Avg Volume	93.83K	Price	34.49

IPO Date	Jun 21, 2001	Option/Short	Yes / Yes	EPS/Sales Surpr.	-5.68% -5.44%	Net Debt/EBITDA	5.55	Volume	55,300	Change	0.82%

Analyst Ratings

Date	Action	Analyst	Rating	Target
Jul-28-26	Reiterated	DA Davidson	Buy	$34 → $38
Apr-27-26	Reiterated	DA Davidson	Buy	$36 → $34
Feb-03-26	Reiterated	DA Davidson	Buy	$37 → $36
Jan-07-26	Downgrade	Hovde Group	Outperform → Market Perform
Mar-03-25	Upgrade	Janney Montgomery Scott	Neutral → Buy
Oct-17-24	Initiated	DA Davidson	Buy	$37

Latest News

Jul-29-26

Jul-29-2601:01PM

ChoiceOne Financial Services (COFS) Upgraded to Buy: Here's What You Should Knowzacks.com

Jul-28-26

Jul-28-2603:51PM

DA Davidson Maintains Buy on ChoiceOne Financial Servs, Raises Price Target to $38Benzinga

Jul-24-26

Jul-24-2609:16AM

ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Surpass Estimateszacks.com

07:20AM

ChoiceOne Reports Second Quarter 2026 Resultsprnewswire.com

Jul-14-26

Jul-14-2601:10PM

Why ChoiceOne Financial Services (COFS) is Poised to Beat Earnings Estimates Againzacks.com

Jun-26-26

Jun-26-2605:55PM

Dividend Champion, Contender, And Challenger Highlights: Week Of June 28SeekingAlpha

Company

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.

Ownership

Per-holder 13F data hasn't been ingested for this ticker yet.

Financial Statements

DataTimeframe

Line Item (USD, M)	TTM —	FY 2025 12/31/2025	FY 2024 12/31/2024	FY 2023 12/31/2023	FY 2022 12/31/2022	FY 2021 12/31/2021	FY 2020 12/31/2020	FY 2019 12/31/2019	FY 2018 12/31/2018
Total Revenue	182	193	139	114	89	84	78	42	31
Cost of Goods Sold Incl. D&A	69	81	47	33	8	4	9	5	2
Gross Profit	114	112	92	81	81	79	70	37	29
Selling, General and Administrative Excl. Other	32	62	36	34	32	31	28	15	11
Research and Development	0	0	0	0	0	0	0	0	0
Other Operating Expense	46	16	23	21	21	22	23	13	9
Operating Income	35	34	33	26	28	26	19	8	8
Interest Expense	69	66	47	33	8	4	5	5	2
Unusual Expense	—	—	—	—	—	—	—	—	—
Non-Operating Income (Expense)	101	66	47	33	8	4	5	5	2
Net Income Before Taxes	67	34	33	26	28	26	19	8	8
Income Taxes	13	6	6	4	4	4	3	1	1
Consolidated Net Income	55	28	27	21	24	22	16	7	7
Net Income From Continuing Operations	55	28	27	21	24	22	16	7	7
Net Income	55	28	27	21	24	22	16	7	7
EPS (Recurring)	3.64	2.02	3.27	2.82	3.15	2.87	2.08	1.58	2.03
EPS (Basic, Before Extraordinaries)	3.64	2.02	3.27	2.82	3.15	2.87	2.08	1.58	2.03
EPS (Diluted)	3.63	2.01	3.25	2.82	3.15	2.86	2.07	1.58	2.02
EBITDA	46	54	45	38	41	39	27	12	11
Other After Tax Adjustments	—	—	—	—	—	—	—	—	—
Stock Option Compensation Expense	—	—	—	—	—	—	—	—	—
Price To Earnings Ratio	9.50	14.69	10.97	10.39	9.21	9.26	14.88	20.23	12.38
Price To Sales Ratio	2.84	2.14	2.05	2.06	2.61	2.52	3.16	5.33	3.23
Gross Margin	62.64	58.03	66.19	71.05	91.01	94.05	89.74	88.10	93.55
Operating Margin	19.23	17.62	23.74	22.81	31.46	30.95	24.36	19.05	25.81
Net Margin	30.22	14.51	19.42	18.42	26.97	26.19	20.51	16.67	22.58
Shares Outstanding	15	14	8	8	8	8	8	7	4
Market Capitalization	517	413	285	234	232	212	246	224	100
Operating Lease Expense	—	—	—	—	—	—	—	—	—

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Insider Trading Volume

Insider Trading

Insider	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Greenland Adom	Secretary	Mar 12 '26	Buy	27.40	500	13,700	3,690	Mar 16
Burrough Eric E	Director	Mar 11 '26	Buy	27.50	5,000	137,500	180,397	Mar 12
McConnell Gregory A	Director	Mar 06 '26	Buy	27.94	1,050	29,337	37,000	Mar 09
McGinnis Bradley F.	Director	Mar 03 '26	Buy	29.15	1,000	29,150	15,301	Mar 04
Burke Michael J. Jr.	President	Feb 27 '26	Buy	28.58	250	7,145	2,891	Mar 02
McConnell Gregory A	Director	Feb 13 '26	Buy	29.04	1,550	45,005	35,950	Feb 17
PETTY BRIAN P	Director	Feb 11 '26	Sale	29.56	15,000	443,400	91,107	Feb 12
Henion Bradley	E.V.P. - ChoiceOne Bank (Sub.)	Dec 01 '25	Option Exercise	21.13	120	2,536	5,057	Dec 03
Burrough Eric E	Director	Nov 17 '25	Buy	28.50	5,000	142,500	174,833	Nov 19
Coulter Curt E	Director	Mar 14 '25	Buy	29.78	10	298	8,851	Mar 18
McGinnis Bradley F.	Director	Feb 18 '25	Buy	32.84	1,000	32,840	14,301	Feb 18
Burke Michael J Jr	President	Aug 09 '24	Buy	26.75	500	13,375	2,500	Aug 13
POTES KELLY	Chief Executive Officer	Aug 05 '24	Buy	26.73	2,000	53,450	5,000	Aug 06
Burke Michael J Jr	President	Aug 02 '24	Buy	27.25	1,000	27,250	2,000	Aug 05
Wendling Michelle M	Director	Jul 25 '24	Buy	25.00	400	10,000	5,622	Jul 29

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QuoTrend signals describe historical patterns and statistics — educational information, not investment advice or a recommendation to buy or sell. Past performance doesn’t guarantee future results. Every figure traces to QuoTrend data. Historical patterns — not a prediction or advice.