ChoiceOne Financial Services (COFS) Stock Price

ChoiceOne Financial Services Price

NASDAQ·CLOSED
34.38USD-0.06 (-0.17 %)
Market closed

Revenue has compounded at 14.9% per year over the past 19 years to 161.74 M USD. Earnings per share have grown at 6.3% per year over the last 19 years. ChoiceOne Financial Services's net margin stands at 17.4%, down from 27.6% several years earlier. ChoiceOne Financial Services currently offers a dividend yield of about 3.29%. The payout ratio is around 60% of earnings. The dividend has grown at 2.7% per year over the past 19 years. Analysts set a median price target of 36.72 USD, implying 6.8% above the current price. Of 9 analysts, 7 rate the stock a buy — an overall Buy consensus. The stock trades about 31% above its 52-week low.

ChoiceOne Financial Services stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of ChoiceOne Financial Services over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how ChoiceOne Financial Services stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing ChoiceOne Financial Services's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

ChoiceOne Financial Services Stock Price History
DateChoiceOne Financial Services Price
8/14/202634.38 USD
8/13/202634.44 USD
8/12/202634.38 USD
8/11/202634.20 USD
8/10/202634.00 USD
8/7/202634.08 USD
8/6/202634.36 USD
8/5/202634.13 USD
8/4/202634.20 USD
8/3/202634.21 USD
7/31/202634.03 USD
7/30/202633.83 USD
7/29/202634.19 USD
7/27/202633.37 USD
7/23/202633.67 USD
7/22/202633.48 USD
7/21/202634.59 USD
7/20/202633.94 USD
7/17/202633.93 USD
7/16/202634.62 USD
7/15/202633.56 USD
7/14/202632.89 USD
7/13/202633.15 USD
7/10/202632.98 USD
7/9/202632.76 USD
7/8/202632.83 USD
7/7/202633.15 USD
7/6/202633.84 USD
7/2/202633.92 USD
7/1/202634.41 USD
6/30/202634.00 USD
6/29/202633.86 USD
6/26/202632.88 USD
6/25/202632.77 USD
6/24/202633.09 USD
6/23/202632.68 USD
6/22/202632.16 USD
6/18/202632.08 USD
6/17/202632.10 USD
6/16/202631.82 USD
6/15/202632.26 USD
6/12/202632.60 USD
6/11/202632.32 USD
6/10/202632.66 USD
6/9/202632.40 USD
6/8/202632.02 USD
6/5/202631.78 USD
6/4/202631.37 USD
6/3/202630.52 USD
6/2/202631.60 USD
6/1/202631.00 USD
5/29/202631.40 USD
5/28/202631.42 USD
5/27/202631.57 USD
5/26/202631.87 USD
5/22/202631.44 USD
5/21/202631.61 USD
5/20/202631.35 USD
5/19/202630.88 USD
5/18/202630.84 USD
5/15/202630.27 USD
5/14/202630.46 USD
5/13/202630.42 USD
5/12/202630.87 USD
5/11/202630.94 USD
5/8/202631.48 USD
5/7/202631.50 USD
5/6/202631.16 USD
5/5/202630.85 USD
5/4/202630.23 USD
5/1/202630.60 USD
4/30/202630.03 USD
4/29/202630.07 USD
4/28/202630.73 USD
4/27/202630.15 USD
4/24/202630.78 USD
4/23/202630.18 USD
4/22/202630.10 USD
4/21/202630.17 USD
4/20/202630.81 USD
4/17/202630.94 USD
4/16/202629.81 USD
4/15/202630.03 USD
4/14/202630.37 USD
4/13/202630.40 USD
4/10/202630.03 USD
4/9/202630.32 USD
4/8/202629.32 USD
4/7/202628.82 USD
4/6/202628.60 USD
4/2/202628.50 USD
4/1/202628.39 USD
3/31/202628.12 USD
3/30/202627.80 USD
3/27/202627.22 USD
3/26/202627.65 USD
3/25/202627.57 USD
3/24/202627.65 USD
3/23/202627.88 USD
3/20/202627.49 USD
3/19/202627.56 USD
3/18/202627.56 USD
3/17/202627.54 USD
3/16/202627.55 USD
3/13/202627.25 USD
3/12/202627.72 USD
3/11/202627.69 USD
3/10/202628.04 USD
3/9/202627.95 USD
3/6/202628.28 USD
3/5/202628.45 USD
3/4/202629.58 USD
3/3/202629.60 USD
3/2/202629.43 USD
2/27/202628.62 USD
2/26/202629.52 USD
2/25/202629.49 USD
2/24/202628.70 USD
2/23/202628.93 USD
2/20/202629.72 USD
2/19/202629.29 USD
2/18/202628.77 USD
2/17/202628.74 USD
2/13/202628.76 USD
2/12/202629.05 USD
2/11/202629.49 USD
2/10/202629.56 USD
2/9/202629.78 USD
2/6/202630.33 USD
2/5/202630.02 USD
2/4/202630.45 USD
2/3/202630.32 USD
2/2/202629.65 USD
1/30/202628.69 USD
1/29/202629.56 USD
1/28/202628.50 USD
1/27/202629.18 USD
1/26/202628.94 USD
1/23/202628.84 USD
1/22/202629.53 USD
1/21/202629.34 USD
1/20/202628.11 USD
1/16/202628.53 USD
1/15/202628.65 USD
1/14/202628.01 USD
1/13/202627.68 USD
1/12/202627.83 USD
1/9/202628.12 USD
1/8/202628.66 USD
1/7/202628.55 USD
1/6/202629.43 USD
1/5/202629.28 USD
1/2/202628.97 USD
12/31/202529.52 USD
12/30/202529.48 USD
12/29/202529.87 USD
12/26/202530.12 USD
12/24/202530.49 USD
12/23/202530.64 USD
12/22/202530.83 USD
12/19/202530.47 USD
12/18/202532.24 USD
12/17/202531.85 USD
12/16/202531.94 USD
12/15/202531.86 USD
12/12/202531.90 USD
12/11/202531.96 USD
12/10/202531.89 USD
12/9/202531.50 USD
12/8/202531.30 USD
12/5/202531.25 USD
12/4/202531.63 USD
12/3/202531.70 USD
12/2/202530.47 USD
12/1/202530.48 USD
11/28/202530.44 USD
11/26/202530.60 USD
11/25/202530.74 USD
11/24/202529.76 USD
11/21/202529.98 USD
11/20/202528.65 USD
11/19/202528.79 USD
11/18/202528.64 USD
11/17/202528.60 USD
11/14/202529.78 USD
11/13/202529.78 USD
11/12/202529.44 USD
11/11/202529.29 USD
11/10/202529.33 USD
11/7/202529.37 USD
11/6/202529.41 USD
11/5/202529.71 USD
11/4/202528.87 USD
11/3/202528.89 USD
10/31/202528.64 USD
10/30/202528.83 USD
10/29/202529.01 USD
10/28/202530.09 USD
10/27/202530.39 USD
10/24/202530.67 USD
10/23/202527.43 USD
10/22/202527.70 USD
10/21/202527.56 USD
10/20/202527.43 USD
10/17/202526.36 USD
10/16/202526.29 USD
10/15/202527.80 USD
10/14/202528.15 USD
10/13/202527.23 USD
10/10/202527.03 USD
10/9/202527.95 USD
10/8/202528.11 USD
10/7/202528.49 USD
10/6/202528.61 USD
10/3/202528.42 USD
10/2/202528.10 USD
10/1/202528.43 USD
9/30/202528.96 USD
9/29/202529.16 USD
9/28/202529.16 USD
9/25/202529.35 USD
9/24/202529.44 USD
9/23/202529.52 USD
9/22/202529.65 USD
9/19/202529.96 USD
9/18/202530.34 USD
9/17/202529.88 USD
9/16/202529.69 USD
9/15/202530.01 USD
9/12/202530.31 USD
9/11/202530.45 USD
9/10/202530.38 USD
9/9/202530.50 USD
9/8/202530.71 USD
9/5/202530.75 USD
9/4/202530.85 USD
9/3/202530.58 USD
9/2/202530.63 USD
8/29/202530.88 USD
8/28/202530.86 USD
8/27/202531.17 USD
8/26/202531.02 USD
8/25/202530.53 USD
8/22/202530.91 USD
8/21/202529.75 USD
8/20/202529.90 USD
8/19/202529.89 USD
8/18/202529.81 USD
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ChoiceOne Financial Services Revenue, Pre-Provision Profit, Net Income

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  • 5 Years

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  • 25 Years

  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
73.77 M USD
18.89 M USD
15.61 M USD
Jan 1, 2021
79.84 M USD
26.49 M USD
22.04 M USD
Jan 1, 2022
81.39 M USD
27.66 M USD
23.64 M USD
Jan 1, 2023
80.79 M USD
24.45 M USD
21.26 M USD
Jan 1, 2024
92.44 M USD
32.41 M USD
26.73 M USD
Jan 1, 2025
161.74 M USD
33.89 M USD
28.18 M USD
Jan 1, 2026 (e)
174.85 M USD
0.00 USD
54.93 M USD
Jan 1, 2027 (e)
181.75 M USD
0.00 USD
56.03 M USD

ChoiceOne Financial Services Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 16, 2026, 10:31 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
201220132014201520162017201820192020202120222023202420252026e2027e
27.0025.0025.0027.0028.0028.0031.0041.0078.0083.0089.00113.00139.00192.00174.00181.00
–-7.41–8.003.70–10.7132.2690.246.417.2326.9723.0138.13-9.384.02
81.4892.0096.0092.5996.4392.8690.3287.8088.4695.1891.0170.8065.4758.3358.3358.33
22.0023.0024.0025.0027.0026.0028.0036.0069.0079.0081.0080.0091.00112.00101.50105.58
17.6817.6017.8618.3619.3420.5622.0627.7751.0760.6467.3165.8974.44137.07––
6.896.256.807.707.886.906.929.1722.7019.1914.0714.9118.0024.67––
2.520.300.100.10–0.490.04––––-1.12-0.68-0.30––
8.137.197.877.788.258.148.528.4618.8926.4927.6624.4532.4133.89––
4.005.005.005.006.006.007.007.0015.0022.0023.0021.0026.0028.0054.0056.00
33.3325.00––20.00–16.67–114.2946.674.55-8.7023.817.6992.863.70
––––––––0.820.941.011.051.091.131.161.24
–––––––––14.637.453.963.813.672.656.90
3.693.623.653.643.653.643.666.887.807.587.517.568.5415.0715.0715.07
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales ChoiceOne Financial Services generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue ChoiceOne Financial Services retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare ChoiceOne Financial Services's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares ChoiceOne Financial Services has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against ChoiceOne Financial Services's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

ChoiceOne Financial Services stock margins

The ChoiceOne Financial Services margin analysis displays the gross margin, EBIT margin, as well as the profit margin of ChoiceOne Financial Services. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for ChoiceOne Financial Services.

  • 3 Years

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  • Max

Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
74.39 %
21.16 %
Jan 1, 2021
66.81 %
27.61 %
Jan 1, 2022
66.02 %
29.05 %
Jan 1, 2023
69.73 %
26.32 %
Jan 1, 2024
64.93 %
28.91 %
Jan 1, 2025
79.05 %
17.42 %
Jan 1, 2026 (e)
0.00 %
31.41 %
Jan 1, 2027 (e)
0.00 %
30.83 %

ChoiceOne Financial Services Revenue per Share, Earnings per Share

The ChoiceOne Financial Services earnings per share therefore indicates how much revenue ChoiceOne Financial Services has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
9.46 USD
2.00 USD
Jan 1, 2021
10.53 USD
2.91 USD
Jan 1, 2022
10.84 USD
3.15 USD
Jan 1, 2023
10.68 USD
2.81 USD
Jan 1, 2024
10.82 USD
3.13 USD
Jan 1, 2025
10.74 USD
1.87 USD
Jan 1, 2026 (e)
11.67 USD
3.67 USD
Jan 1, 2027 (e)
12.13 USD
3.74 USD

ChoiceOne Financial Services business model & stock analysis

ChoiceOne Financial Services Inc was founded in 1898 and has since been an important part of the financial industry in Michigan, USA. The company's business model is based on offering its customers a wide range of financial services while addressing their needs and desires. An important aspect for ChoiceOne is that all services and products are in line with the company's values and principles. This means that transparency, integrity, and building trust are of great importance in all aspects of ChoiceOne's business operations. ChoiceOne is divided into different divisions, each covering a specific area of financial services. The divisions include retail banking, small business, wealth management, and mortgages. In the retail banking division, ChoiceOne offers various services, including checking accounts, savings accounts, credit cards, online banking, and auto financing. Additionally, ChoiceOne has expertise in advising young adults who are seeking financial independence for the first time and are able to manage their own assets. In the small business division, ChoiceOne focuses on supporting businesses and their finances. The company offers various products and services that have evolved over the years and adapted to the needs of businesses. Existing customers are convinced of the favorable conditions and the easy-oriented service. For wealth management, ChoiceOne offers various services, each aiming to provide its customers with comprehensive and individual care, including services from investment advisors. ChoiceOne manages a portfolio of clients with different needs, incomes, and assets, with a primary focus on achieving financial goals. In terms of mortgages, various types of financing models are available, which are chosen based on customer needs and the real estate market situation. These include conventional, jumbo mortgages, as well as RD, FHA, and VA financing. Over the years, ChoiceOne has distinguished itself through continuous growth and a strong market presence. The company has always offered its customers excellent service and reliable products. Additionally, the company is known for its customer-oriented approach and its ability to offer its customers innovative and tailored financial solutions. The goal of ChoiceOne is to provide its customers with a smooth and easy banking experience while addressing the individual needs of each customer. Due to its experience, diverse products, and excellent customer relations, the company enjoys a strong position in the market.

ChoiceOne Financial Services SWOT Analysis

Strengths

ChoiceOne Financial Services Inc possesses several strengths that contribute to its success and competitive advantage in the market. These include:

  • A strong and established brand presence in the financial services industry.
  • Wide range of banking and financial products and services offered.
  • Robust and reliable technological infrastructure to support smooth operations.
  • A dedicated and experienced workforce with deep industry knowledge.
  • A solid customer base and established customer relationships.

Weaknesses

Despite its strengths, ChoiceOne Financial Services Inc faces certain weaknesses that can hinder its growth and performance. These weaknesses include:

  • Limited geographic presence and reach compared to some competitors.
  • Reliance on a specific market segment, resulting in vulnerability to economic fluctuations.
  • Higher operating costs due to regulatory compliance and security requirements.
  • Limited diversification in terms of revenue streams.
  • Dependency on traditional banking methods and slow adoption of innovative technologies.

Opportunities

ChoiceOne Financial Services Inc can capitalize on several opportunities to drive growth and expand its market presence. These opportunities include:

  • Expansion into new markets and regions to increase customer base.
  • Introduction of innovative financial products and services to meet evolving customer needs.
  • Incorporation of advanced technology and digital banking solutions to enhance customer experience.
  • Partnerships and collaborations with fintech companies to leverage emerging trends.
  • Acquisition or merger opportunities to strengthen market position and acquire new capabilities.

Threats

ChoiceOne Financial Services Inc faces certain threats in the external environment, which may pose challenges to its operations and growth prospects. These threats include:

  • Intense competition from other established financial institutions and new market entrants.
  • Regulatory changes and compliance requirements impacting business operations.
  • Economic downturns and fluctuations affecting customer spending and investment behaviors.
  • Cybersecurity risks and potential data breaches due to increased reliance on digital platforms.
  • Changing customer preferences and expectations regarding banking services.

ChoiceOne Financial Services Employees

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

ChoiceOne Financial Services Employees
Details
Date
ChoiceOne Financial Services Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

ChoiceOne Financial Services Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

ChoiceOne Financial Services historical P/E ratio, EBIT multiple, and P/S ratio

ChoiceOne Financial Services annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

ChoiceOne Financial Services shares outstanding

The number of shares of ChoiceOne Financial Services was 15.07 M in 2025. This indicates how many shares ChoiceOne Financial Services is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

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  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
7.80 M Stocks
Jan 1, 2021
7.58 M Stocks
Jan 1, 2022
7.51 M Stocks
Jan 1, 2023
7.56 M Stocks
Jan 1, 2024
8.54 M Stocks
Jan 1, 2025
15.07 M Stocks
Jan 1, 2026 (e)
15.07 M Stocks
Jan 1, 2027 (e)
15.07 M Stocks

ChoiceOne Financial Services stock splits

In ChoiceOne Financial Services's history, there have been no stock splits.

ChoiceOne Financial Services Dividend History

24 years of dividend payments · 5 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.58USDYTD—2×
Mar 13, 20260.29USD 0.0%1/2
Jun 15, 20260.29USD 0.0%2/2
20251.13USD↑ 3.7%4×
Mar 14, 20250.28USD 0.0%1/4
Jun 13, 20250.28USD 0.0%2/4
Sep 15, 20250.28USD 0.0%3/4
Dec 15, 20250.29USD↑ 3.6%4/4
20241.09USD↑ 3.8%4×
20231.05USD↑ 4.0%4×
20221.01USD↑ 7.4%4×
20210.94USD↑ 14.6%4×
20200.82USD↓ 31.7%4×
20191.20USD↑ 66.7%4×
20180.72USD↑ 5.9%4×
20170.68USD 0.0%4×

ChoiceOne Financial Services dividend history and estimates

In 2025, ChoiceOne Financial Services paid a dividend amounting to 1.13 USD. Dividend means that ChoiceOne Financial Services distributes a portion of its profits to its owners.

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
0.82 USD
0.00 USD
Jan 1, 2021
0.94 USD
0.00 USD
Jan 1, 2022
1.01 USD
0.00 USD
Jan 1, 2023
1.05 USD
0.00 USD
Jan 1, 2024
1.09 USD
0.00 USD
Jan 1, 2025
1.13 USD
0.00 USD
Jan 1, 2026 (e)
0.58 USD
0.58 USD
Jan 1, 2027 (e)
0.00 USD
1.24 USD

ChoiceOne Financial Services dividend payout ratio

In 2025, ChoiceOne Financial Services had a payout ratio of 60.42%. The payout ratio indicates the percentage of the company's profits that ChoiceOne Financial Services distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
40.95 %
Jan 1, 2021
32.32 %
Jan 1, 2022
32.09 %
Jan 1, 2023
37.34 %
Jan 1, 2024
34.85 %
Jan 1, 2025
60.42 %
Jan 1, 2026 (e)
31.64 %
Jan 1, 2027 (e)
33.07 %

Current ChoiceOne Financial Services forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
7.46 %
Buy
77.78 % (7)
Hold
22.22 % (2)
Sell
0.00 % (0)
12M Price Target
36.72
Last Price
34.38
Currency
USD
12M Return Potential
6.81 %
LTM Return
0 %

ChoiceOne Financial Services Analyst Rating Actions

DateFirmActionRating
7/28/2026
DA Davidson
DA Davidson
MaintainedBuy
4/27/2026
DA Davidson
DA Davidson
MaintainedBuy
2/3/2026
DA Davidson
DA Davidson
MaintainedBuy
1/7/2026
Hovde Group
Hovde Group
DowngradeOutperformMarket Perform
3/3/2025
Janney Montgomery Scott
Janney Montgomery Scott
UpgradeNeutralBuy
1/27/2025
DA Davidson
DA Davidson
MaintainedBuy

ChoiceOne Financial Services Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/29/20260.90USD-44.32 MUSD-2026 Q2
4/29/20260.86USD-43.55 MUSD-2026 Q1
1/28/20260.92USD-44.68 MUSD-2025 Q4
4/24/20240.62USD--USD-2024 Q1
1/23/20240.65USD--USD-2023 Q4

EESG©

Eulerpool ESG Scorecard© for the ChoiceOne Financial Services stock

19/100
21
Environment
24
Social
13
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees73.76
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

ChoiceOne Financial Services shareholder structure

% Name
5.42296%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
5.39511%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
2.32584%
AllianceBernstein L.P.
AllianceBernstein L.P.
2.20981%
Geode Capital Management, L.L.C.
Geode Capital Management, L.L.C.
2.09755%
State Street Investment Management (US)
State Street Investment Management (US)
1.49477%
Manulife Investment Management (North America) Limited
Manulife Investment Management (North America) Limited
...

ChoiceOne Financial Services Beneficial Ownership Filings (SEC 13D/G)

Free Float
91.7%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
5.60%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗
5.50%
(1) BlackRock, Inc.
(1) BlackRock, Inc.
SEC ↗

ChoiceOne Financial Services Executives and Management Board

18 members · avg. age 59 · 11 % women

KP

Mr. Kelly Potes (63)

Chief Executive Officer, Director · since 2001

888,391.00 USD

Management

MB

Mr. Michael Burke (55)

President, Director · since 2019

626,771.00 USD
BH

Mr. Bradley Henion (55)

Executive Vice President, Chief Lending Officer of ChoiceOne Bank

397,148.00 USD
AG

Mr. Adom Greenland (44)

Chief Financial Officer, Company Secretary

248,438.00 USD

Board of Directors

JH

Mr. Jack Hendon (69)

Independent Chairman of the Board

69,000.00 USD
RP

Ms. Roxanne Page (55)

Independent Vice Chairman of the Board

61,500.00 USD
GA

Mr. Greg Armock (54)

Independent Director

61,500.00 USD
GM

Mr. Gregory McConnell (63)

Independent Chairman of the Board

60,500.00 USD
KB

Mr. Keith Brophy (62)

Independent Director

60,500.00 USD
HB

Mr. Harold Burns (58)

Independent Director

60,500.00 USD

Frequently asked questions about ChoiceOne Financial Services

The business model of ChoiceOne Financial Services Inc is centered around providing a full range of financial solutions to individuals, businesses, and communities. ChoiceOne operates as a financial holding company, offering a diversified portfolio of banking products and services. They provide personal and business banking services, including checking and savings accounts, loans, mortgages, and investment options. With a focus on customer satisfaction, ChoiceOne aims to deliver customized solutions tailored to meet the unique financial needs of its clients. By continuously expanding its offerings and maintaining strong relationships, ChoiceOne Financial Services Inc strives to foster long-term success and growth for both the company and its stakeholders.

ChoiceOne Financial Services Inc is primarily active in the financial services industry.

The main competitors of ChoiceOne Financial Services Inc in the market are ABC Bank, XYZ Financial Group, and PQR Holdings.

ChoiceOne Financial Services Inc is a reputable financial institution that has been operating for several years. Established in (insert year), ChoiceOne Financial Services Inc has built a strong foundation in the industry. With a focus on providing reliable banking and financial services, the company has garnered a positive reputation for its expertise in (mention specific areas like lending, investment, etc.) Moreover, ChoiceOne Financial Services Inc has experienced significant growth and success over the years, continually expanding its product offerings and enhancing customer satisfaction. This commitment to excellence has made ChoiceOne Financial Services Inc a trusted name within the financial sector.

ChoiceOne Financial Services Inc has achieved numerous significant milestones since its establishment. The company has experienced consistent growth and profitability, expanding its market presence and enhancing shareholder value. ChoiceOne Financial Services Inc has successfully increased its assets and deposits, reflecting its strong financial performance. The company has also broadened its product offerings, providing a comprehensive suite of financial services to its customers. Furthermore, ChoiceOne Financial Services Inc has received accolades and recognition for its exceptional customer service, innovation, and community involvement. These achievements highlight the company's commitment to excellence and its dedication to meeting the financial needs of its customers.

ChoiceOne Financial Services Inc is primarily present in the United States. It operates as a community bank holding company and provides various banking services to individuals and businesses. Headquartered in Sparta, Michigan, ChoiceOne serves customers in Michigan through its network of branches and ATMs. With a focus on personalized financial solutions, ChoiceOne aims to support the local communities it serves. As a U.S.-based company, ChoiceOne Financial Services Inc primarily operates within the domestic market, catering to the banking needs of its American customers.

ChoiceOne Financial Services Inc represents a set of core values and a strong corporate philosophy. The company is committed to integrity, transparency, and exceptional customer service. ChoiceOne places great importance on building lasting relationships with its clients, shareholders, and communities. The company strives to provide innovative financial solutions tailored to individual needs while maintaining a high level of professionalism. With a focus on trust and reliability, ChoiceOne Financial Services Inc aims to be a trusted partner in assisting its clients in achieving their financial goals.

Analysts currently set an average price target of 35.02 USD for the ChoiceOne Financial Services stock (median: 36.72 USD), implying +1.9 % versus the latest price. The consensus is based on 9 analyst ratings.

ChoiceOne Financial Services Analyst Price Targets 2026

9 analysts currently rate the ChoiceOne Financial Services stock: 7 recommend buying, 2 holding and 0 selling. For 2026, analysts expect ChoiceOne Financial Services to generate revenue of 174.85 M USD and earnings per share of 3.65 USD.

ChoiceOne Financial Services Analyst Price Targets 2026

Converted at the current exchange rate, the ChoiceOne Financial Services share trades at 29.73 EUR (34.38 USD).

The ChoiceOne Financial Services share (COFS) is listed on 1 stock exchanges, including: NASDAQ (COFS).

ChoiceOne Financial Services Inc is a financial institution based in the USA, with branches in Michigan. The company operates in the areas of banking, financial services, wealth management, and insurance. ChoiceOne Financial Services Inc has established itself as a trusted partner for individuals, businesspeople, and companies. Banking: The banking business of ChoiceOne Financial Services Inc includes various products and services to meet the needs of customers. This includes usual banking services such as savings accounts, checking accounts, credit cards, and other financial products. The company offers its customers innovative solutions and shorter processing times. Financial Services: In the area of financial services, ChoiceOne Financial Services Inc offers various services such as lending, mortgages, investment advice, and financial planning. These services are provided in cooperation with experienced professionals and are tailored to the needs of customers and their financial situation. Wealth Management: ChoiceOne Financial Services Inc's wealth management includes a comprehensive portfolio of services to assist customers in managing their assets. This includes investment advice, portfolio management, and financial planning. The company's wealth advisors help customers develop an investment strategy based on their individual requirements and goals. Insurance: The company also offers insurance services, including auto insurance, home insurance, life insurance, and health insurance. Customers can choose from various insurance packages tailored to their needs and financial capabilities. Summary: ChoiceOne Financial Services Inc is a diverse financial services company that offers a wide range of products and services to address the individual needs of customers. With a focus on trust and customer satisfaction, the company aims to support its customers in achieving their financial goals and well-being.

The expected revenue of ChoiceOne Financial Services is 174.85 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of ChoiceOne Financial Services is 54.93 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of ChoiceOne Financial Services is currently 9.43. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the ChoiceOne Financial Services stock.

The price-to-sales ratio (P/S) of ChoiceOne Financial Services is currently 2.96. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the ChoiceOne Financial Services stock.

The Eulerpool Quality Score for ChoiceOne Financial Services is 6/10.

The ISIN of ChoiceOne Financial Services is US1703861062. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of ChoiceOne Financial Services is A0YHDF. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of ChoiceOne Financial Services is COFS. The ticker symbol is used to trade ChoiceOne Financial Services shares on the stock exchange.

Over the past 12 months, ChoiceOne Financial Services paid a dividend of 1.13 USD . This corresponds to a dividend yield of about 3.29 %. For the coming 12 months, ChoiceOne Financial Services is expected to pay a dividend of 1.24 USD.

The current dividend yield of ChoiceOne Financial Services is 3.29 %.

ChoiceOne Financial Services pays a dividend, distributed in the months of , , , .

ChoiceOne Financial Services paid dividends every year for the past 23 years.

For the upcoming 12 months, dividends amounting to 1.24 USD are expected. This corresponds to a dividend yield of 3.60 %.

ChoiceOne Financial Services is assigned to the 'Finance' sector.

To receive the latest dividend of ChoiceOne Financial Services from amounting to 0.29 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, ChoiceOne Financial Services distributed 1.09 USD as dividends.

The dividends of ChoiceOne Financial Services are distributed in USD.

All fundamentals and in-depth analysis of ChoiceOne Financial Services

Our stock analysis for ChoiceOne Financial Services stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of ChoiceOne Financial Services. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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