| Index | — | P/E | 10.00 | EPS (ttm) | 3.63 | Insider Own | 8.31% | Shs Outstand | 14.96M | Perf Week | 4.91% |
| Market Cap | 542.88M | Forward P/E | 9.52 | EPS next Y | 3.81 | Insider Trans | 0.00% | Shs Float | 13.70M | Perf Month | 9.63% |
| Enterprise Value | 242.88M | PEG | 3.73 | EPS next Q | 0.93 | Short Float | 3.78% | Perf Quarter | 5.25% | ||
| Income | 55.00M | P/S | 3.08 | EPS this Y | 3.69% | Short Ratio | 6.34 | Perf Half Y | 20.08% | ||
| Sales | 176.00M | P/B | 1.12 | EPS next Y | 1.78% | ROA | 1.22% | Short Interest | 518.44K | Perf YTD | 22.97% |
| Book/sh | 32.30 | P/C | 0.84 | EPS next 5Y | 2.68% | ROE | 3.71% | 52W High | 37.10 -2.16% | Perf Year | 25.91% |
| Cash/sh | 43.06 | P/FCF | 9.87 | EPS past 3/5Y | -13.91% -0.59% | ROIC | 1.67% | 52W Low | 26.63 36.31% | Perf 3Y | 88.08% |
| Dividend Est. | 1.16 (3.20%) | EV/EBITDA | 7.59 | Sales past 3/5Y | 29.44% 19.87% | Gross Margin | 39.21% | Volatility | 3.43% 2.45% | Perf 5Y | 43.82% |
| Dividend TTM | 1.16 (3.20%) | EV/Sales | 1.38 | EPS Y/Y TTM | 157.45% | Oper. Margin | 9.51% | ATR (14) | 0.96 | Perf 10Y | 83.98% |
| Dividend Ex-Date | Sep 15, 2026 | Quick Ratio | — | Sales Y/Y TTM | -13.30% | Profit Margin | 30.92% | RSI (14) | 74.54 | Recom | 2.33 |
| Dividend Gr. 3/5Y | 3.81% 6.62% | Current Ratio | — | EPS Q/Q | 0.00% | SMA20 | 7.84% | Beta | 0.62 | Target Price | 38.00 |
| Payout | 31.56% | Debt/Eq | 0.71 | Sales Q/Q | -9.68% | SMA50 | 8.49% | Rel Volume | 1.08 | Prev Close | 35.45 |
| Employees | 577 | LT Debt/Eq | 0.10 | Earnings | Jan 29 | SMA200 | 14.98% | Avg Volume | 79.46K | Price | 36.30 |
| IPO Date | Jun 21, 2001 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 4.68% -0.47% | Net Debt/EBITDA | -9.37 | Volume | 85,774 | Change | 2.40% |
| 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 |
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.
Per-holder 13F data hasn't been ingested for this ticker yet.
| 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 | 176 | 193 | 139 | 114 | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 52 | 81 | 47 | 33 | — | — | — | — | — | |
| Gross Profit | 69 | 112 | 92 | 81 | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 18 | 62 | 36 | 34 | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | 0 | — | — | — | — | — | |
| Other Operating Expense | 35 | 16 | 23 | 21 | — | — | — | — | — | |
| Operating Income | 17 | 34 | 33 | 26 | — | — | — | — | — | |
| Interest Expense | 69 | 66 | 47 | 33 | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 119 | 66 | 47 | 33 | — | — | — | — | — | |
| Net Income Before Taxes | 67 | 34 | 33 | 26 | — | — | — | — | — | |
| Income Taxes | 12 | 6 | 6 | 4 | — | — | — | — | — | |
| Consolidated Net Income | 55 | 28 | 27 | 21 | — | — | — | — | — | |
| Net Income From Continuing Operations | 55 | 28 | 27 | 21 | — | — | — | — | — | |
| Net Income | 55 | 28 | 27 | 21 | — | — | — | — | — | |
| EPS (Recurring) | 3.63 | 2.02 | 3.27 | 2.82 | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 3.63 | 2.02 | 3.27 | 2.82 | — | — | — | — | — | |
| EPS (Diluted) | 3.63 | 2.01 | 3.25 | 2.82 | — | — | — | — | — | |
| EBITDA | 32 | 54 | 45 | 38 | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 10.00 | 14.69 | 10.97 | 10.39 | — | — | — | — | — | |
| Price To Sales Ratio | — | 2.14 | 2.05 | 2.06 | — | — | — | — | — | |
| Gross Margin | 39.20 | 58.03 | 66.19 | 71.05 | — | — | — | — | — | |
| Operating Margin | 9.66 | 17.62 | 23.74 | 22.81 | — | — | — | — | — | |
| Net Margin | 31.25 | 14.51 | 19.42 | 18.42 | — | — | — | — | — | |
| Shares Outstanding | 0 | 14 | 8 | 8 | — | — | — | — | — | |
| Market Capitalization | — | 413 | 285 | 234 | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| 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 |