ChoiceOne Financial Services Inc • COFS

Capital at risk.

Calendar
event
Ex dividend date
13 Jun 2025
event_available
Last Dividend Payment
30 Jun 2025
About ChoiceOne Financial Services Inc
Ticker
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COFS
Trading on
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NASDAQ
ISIN
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US1703861062
Industry
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Banks - Regional
Sector
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Financial Services
CEO
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Kelly J. Potes CFP
Headquarters
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109 East Division Street, Sparta, MI, United States, 49345
Employees
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605
Website
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choiceone.bank
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan. The company offers time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers sells 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. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
Metrics
BasicAdvanced
Market cap
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$450M
P/E ratio
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24.8
EPS
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$1.21
Dividend Yield
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3.90%
Beta
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0.58
Forward P/E ratio
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7.79
EBIDTA
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-
Ex dividend date
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2025-06-13
Price & volume
Market cap
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$450M
Average daily volume
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0.2M
90-day return
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-
30-day return
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-
7-day return
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-
Dividends
Dividend per share
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$1.10
Dividend yield
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3.90%
Forward dividend per share
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$1.12
Forward dividend yield
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3.90%
Payout ratio
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31.81%
Valuation
P/E ratio
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24.8
Forward P/E
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7.79
PEG ratio
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0
Trailing P/E
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24.8
Price to sales
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5.07
Price to book
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1.05
Earnings
EPS
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$1.21
EPS estimate (current quarter)
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$0.76
EPS estimate (next quarter)
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$0.80
EBITDA
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-
Revenues (TTM)
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$88.7M
Revenues per share (TTM)
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$9.91
Technicals
Beta
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0.58
52-week High
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$37.13
52-week Low
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$24.13
50-day moving average
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$29.14
200-day moving average
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$31.51
Short ratio
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1.79
Short %
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0.93%
Management effectiveness
ROE (TTM)
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2.27%
ROA (TTM)
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0.21%
Profit margin
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8.11%
Gross profit margin
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$88.7M
Operating margin
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4.11%
Growth
Quarterly earnings growth (YoY)
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13.60%
Quarterly revenue growth (YoY)
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-12.00%
Share stats
Outstanding Shares
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15M
Float
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12.5M
Insiders %
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6.00%
Institutions %
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36.50%
Analyst Insights & forecasts
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100% Buy

0% Hold

0% Sell

Based on information from 3 analysts.

Average price target

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$35.33
Earnings per share (EPS) forecast
windowbar_chart_4_bars
Actual
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Expected
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Surprise
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$0.87
$0.76
14.47%
Q2 • 24Beat
$0.93
$0.74
25.68%
Q3 • 24Beat
$0.83
$0.84
-1.19%
Q4 • 24Missed
$0.86
$0.76
13.16%
Q1 • 25Beat
-
$0.78
-
Q2 • 25Current
QuarterlyAnnual
Financial Performance
windowbar_chart_4_bars
Income StatementBalance SheetCash Flow
windowbar_chart_4_bars
Revenue
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Net income
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Profit margin
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$36M
$7.2M
19.87%
Q4 • 24
$44.9M
$-13.9M
-30.98%
Q1 • 25
24.56%
-294.25%
-255.95%
QoQ growth
QuarterlyAnnual
Totals assets
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Total liabilities
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Debt to assets
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$2.72B
$2.46B
90.44%
Q4 • 24
$4.31B
$3.88B
90.09%
Q1 • 25
58.09%
57.47%
-0.39%
QoQ growth
QuarterlyAnnual
Operating
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Investing
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Financing
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Free cash flow
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$24M
$-41.6M
$-31.6M
$23.3M
Q4 • 24
$-6.5M
$257M
$-208M
$-7.3M
Q1 • 25
-126.96%
-717.39%
558.29%
-131.29%
QoQ growth
QuarterlyAnnual

Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Past performance is no guarantee of future results. Your return may be affected by currency fluctuations and applicable fees and charges. The value of your investment may go up as well as down. When investing, your capital at risk.

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FAQs

How much is a ChoiceOne Financial Services Inc share?
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ChoiceOne Financial Services Inc shares are currently traded for undefined per share.

How many shares does ChoiceOne Financial Services Inc have?
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ChoiceOne Financial Services Inc currently has 15M shares.

Does ChoiceOne Financial Services Inc pay dividends?
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Yes, ChoiceOne Financial Services Inc does pay dividends.

What is ChoiceOne Financial Services Inc 52 week high?
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ChoiceOne Financial Services Inc 52 week high is $37.13.

What is ChoiceOne Financial Services Inc 52 week low?
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ChoiceOne Financial Services Inc 52 week low is $24.13.

What is the 200-day moving average of ChoiceOne Financial Services Inc?
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ChoiceOne Financial Services Inc 200-day moving average is $31.51.

Who is ChoiceOne Financial Services Inc CEO?
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The CEO of ChoiceOne Financial Services Inc is Kelly J. Potes CFP.

How many employees ChoiceOne Financial Services Inc has?
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ChoiceOne Financial Services Inc has 605 employees.

What is the market cap of ChoiceOne Financial Services Inc?
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The market cap of ChoiceOne Financial Services Inc is $450M.

What is the P/E of ChoiceOne Financial Services Inc?
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The current P/E of ChoiceOne Financial Services Inc is 24.8.

What is the EPS of ChoiceOne Financial Services Inc?
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The EPS of ChoiceOne Financial Services Inc is $1.21.

What is the PEG Ratio of ChoiceOne Financial Services Inc?
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The PEG Ratio of ChoiceOne Financial Services Inc is 0.

What do analysts say about ChoiceOne Financial Services Inc?
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According to the analysts ChoiceOne Financial Services Inc is considered a buy.