ChoiceOne Financial Services (COFS) Stock Price

ChoiceOne Financial Services Price

NASDAQ·CLOSED
33.11
​
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 3.41%. The payout ratio is around 60% of earnings. The dividend has grown at 3.2% per year over the past 19 years. Analysts set a median price target of 38.00 USD, implying 14.8% above the current price. Of 9 analysts, 7 rate the stock a buy — an overall Buy consensus.

ChoiceOne Financial Services stock price

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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.

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 38.00 USD for the ChoiceOne Financial Services stock (median: 38.00 USD), implying +14.8 % versus the latest price. The consensus is based on 9 analyst ratings.

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 3.68 USD.

Converted at the current exchange rate, the ChoiceOne Financial Services share trades at 29.43 EUR (33.11 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 55.43 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 9.00. 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 2.85. 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.

Fair ValueTerminal
34.43 USD
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
320,269.33 USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website snl.com
Currency
USD
Initial public offering
Jun 21, 2001
ISIN
US1703861062
Cusip
170386106
Sedol
2713395
Market capitalization
495.99 M USDSmall Cap
52-Week Range
Revenue growth (10Y) > 5%
Revenue growth (3Y) > 5 %
EBIT growth (10Y) > 5%
EBIT growth (3Y) > 5 %
Net debt < 4x EBIT
Profitable since 10Y+
EBIT Drawdown (10Y) < 50%
Return on Equity (ROE) > 15%
ROCE > 15%
Return Expectation > 10%
PEG
—
P/E ratio
P/Ee 2026
8.95
P/Ee 2027
8.89
P/S
P/Se
2.85
EV/EBIT
20.52
P/B Ratio
1.07
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
3.71 %
Gross Margin
69.36 %
EBIT Margin
21.14 %
Net Margin
17.42 %
EPS (Earnings Per Share)
1.87 USD
Net Debt / EBIT
6.01
Debt/Equity
0.63
Dividend
Dividend yield
3.41 %
Est. Dividend Yield
3.50 %
Payout Ratio
60.42 %
Dividend growth Ø5Y
3.75 %
Dividend payments per year
4
Dividend paid since
23 years
Dividend not reduced since
5 years
Dividend increased since
5 years
Dividend withholding tax
30.00 %
Last updated Oct 5, 2026, 11:48 AM

ChoiceOne Financial Services Ticker

NASDAQ · COFS

ChoiceOne Financial Services FIGI

COFS:US · BBG000LLRNX3COFS:UA · BBG000LLRPT3COFS:UC · BBG000LLRQ93COFS:UN · BBG000LLRSS8COFS:UP · BBG000LLRSX2COFS:UB · BBG000LLRW27COFS:UM · BBG000LLTZ73COFS:UX · BBG000LLV022COFS:UR · BBG000LLV0C1COFS:UD · BBG000LLV3S8COFS:UF · BBG000LLV5R4COFS:VY · BBG000LLV674