COFS
ChoiceOne Financial Services, Inc. NASDAQ Listed Jun 21, 2001$34.36
After hrs
$34.36
+0.00%
Mkt Cap $513.7M
52w Low $26.10
88.8% of range
52w High $35.40
50d MA $32.83
200d MA $30.31
P/E (TTM)
9.3x
EV/EBITDA
7.1x
P/B
1.0x
Debt/Equity
0.7x
ROE
6.0%
P/FCF
20.1x
RSI (14)
46.60
ATR (14)
$1.29
Beta
0.61
50d MA
$32.83
200d MA
$30.31
Avg Volume
106.0K
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, 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 safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
109 East Division Street · Sparta, MI 49345 · US
| Date | Time | Est | Rptd | Surp | Base | Gap% | D1% | D2% | D3% | D4% | D5% | Guide ▲★ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jul 24, 2026 | BMO | 0.88 | 0.83 | -5.7% | 33.67 | -9.0% | -2.8% | +3.7% | +0.9% | +0.4% | -1.6% | — |
| Apr 24, 2026 | BMO | 0.85 | 0.91 | +7.1% | 30.18 | -0.1% | +2.0% | -2.0% | +1.9% | -2.1% | -0.1% | — |
| Jan 30, 2026 | BMO | 0.91 | 0.92 | +1.1% | 29.56 | -1.8% | -2.9% | +3.3% | +2.3% | +0.4% | -1.4% | — |
| Oct 24, 2025 | BMO | 0.86 | 0.97 | +12.8% | 27.43 | +4.3% | +11.5% | -0.7% | -1.0% | -3.6% | -0.6% | — |
| Jul 25, 2025 | BMO | 0.80 | 0.91 | +13.8% | 29.03 | +2.4% | +4.6% | -0.5% | -1.0% | -1.1% | -0.6% | — |
| Apr 30, 2025 | BMO | 0.82 | 0.86 | +4.9% | 28.14 | +0.3% | +1.0% | +1.2% | +1.0% | -1.1% | -0.9% | — |
| Mar 11, 2025 | BMO | — | 0.84 | — | 29.35 | -0.0% | -1.0% | +0.1% | -2.0% | +0.2% | +0.3% | — |
| Oct 23, 2024 | BMO | 0.74 | 0.85 | +14.9% | 31.00 | +0.3% | +0.1% | +9.1% | -2.0% | -0.3% | -0.5% | — |
| Jul 25, 2024 | BMO | 0.76 | 0.87 | +14.5% | 29.76 | -5.9% | -14.0% | +5.5% | +0.8% | +0.5% | +0.6% | — |
| Apr 24, 2024 | BMO | 0.59 | 0.74 | +25.4% | 25.17 | -2.2% | -4.4% | -1.2% | +2.7% | +2.6% | -0.7% | — |
| Mar 13, 2024 | BMO | — | 0.70 | — | 26.27 | -0.0% | +1.0% | -1.2% | +1.6% | -4.0% | +0.7% | — |
| Oct 25, 2023 | BMO | 0.67 | 0.68 | +1.5% | 17.51 | +0.5% | +5.1% | +4.9% | -2.0% | +0.7% | -0.9% | — |
| Jul 26, 2023 | BMO | — | 0.69 | — | 23.47 | +1.4% | +0.2% | +1.0% | +1.0% | +1.1% | -1.2% | — |
| Date | Firm | Action | Grade | Target | Base | Open | Gap% | D1% | D2% | D3% | D4% | D5% |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Jul 27 | Hovde Group | Reiterates | Market Perform | $35 | $32.72 | $33.08 | +1.1% | +3.7% | +0.9% | +0.4% | -1.6% | +0.6% |
| Apr 27 | DA Davidson | Maintains | Buy → Buy | — | $30.78 | $30.81 | +0.1% | -2.0% | +1.9% | -2.1% | -0.1% | +1.9% |
| Feb 3 | DA Davidson | Maintains | Buy → Buy | — | $29.65 | $29.53 | -0.4% | +2.3% | +0.4% | -1.4% | +1.0% | -1.8% |
| Jan 7 | Hovde Group | Downgrade | Outperform → Market Perform | — | $29.43 | $28.87 | -1.9% | -3.0% | +0.4% | -1.9% | -1.0% | -0.5% |
| Mar 3 | Janney Montgomery Scott | Upgrade | Neutral → Buy | — | $31.79 | $31.95 | +0.5% | -0.1% | -1.2% | -1.4% | -0.7% | -0.2% |
| Jan 27 | DA Davidson | Maintains | Buy → Buy | — | $34.30 | $34.19 | -0.3% | -0.5% | -1.0% | -0.3% | +0.5% | -1.0% |
No insider trades available.
8-K · 2.02
!! High
ChoiceOne Financial Services, Inc. -- 8-K 2.02: Earnings Results
Jul 24
8-K
ChoiceOne Financial Services, Inc. -- 8-K Filing
May 22
8-K · 7.01
! Medium
ChoiceOne Financial Services, Inc. -- 8-K 7.01: Regulation FD Disclosure
ChoiceOne Financial Services prepared shareholder presentation materials for its May 20, 2026 annual meeting, disclosing information that may influence investor decisions regarding governance and company direction.
May 20
8-K · 7.01
! Medium
ChoiceOne Financial Services, Inc. -- 8-K 7.01: Regulation FD Disclosure
ChoiceOne Financial Services is preparing investor presentation materials for management meetings starting May 5, 2026, signaling potential strategic updates or financial discussions with shareholders.
May 5
8-K
CHOICEONE FINANCIAL -- 8-K Filing
ChoiceOne Financial completed its merger with Fentura Financial, acquiring The State Bank and expanding its banking operations through the combined entity.
Apr 24
8-K · 7.01
! Medium
CHOICEONE FINANCIAL -- 8-K 7.01: Regulation FD Disclosure
ChoiceOne Financial is preparing investor presentation materials for meetings beginning February 4, 2026, signaling potential company updates or strategic announcements to shareholders.
Feb 4
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Mutual Funds / ETFs (N-PORT) — Top 20
All ↗
Valuation
Market Cap
$513.7M
Enterprise Value
$324.2M
P/E (TTM)
9.33x
Forward P/E
9.59x
PEG Ratio
-0.38x
P/B
1.03x
P/S
2.63x
P/FCF
20.13x
EV/EBITDA
7.06x
Shares Out
14.0M
Financials (TTM)
Revenue
$182.7M
Net Income
$54.7M
EBITDA
$45.9M
Free Cash Flow
$23.9M
Op Cash Flow
$20.7M
EPS Basic
$2.02
EPS Diluted
$3.63
EPS Forward
$3.58
Gross Margin
62.3%
Op Margin
19.2%
Net Margin
30.0%
Balance Sheet
Total Assets
$4.41B
Total Liab.
$3.95B
Total Equity
$465.4M
Cash
$222.3M
LT Debt
$68.5M
Book Value/Sh
$33.38
Debt/Equity
0.67x
Current Ratio
0.06
Quick Ratio
0.06
Returns & Growth
ROE
6.0%
ROA
0.6%
ROIC
3.5%
Rev Growth YoY
+38.7%
EPS Growth YoY
-38.2%
Price Returns
2W
+2.0%
1M
+2.4%
3M
+9.6%
6M
+12.6%
12M
+18.7%
Technicals
52W High
$35.40
52W Low
$26.10
50d MA
$32.83
200d MA
$30.31
RSI (14)
46.60
ATR (14)
$1.29
Beta
0.61
Avg Volume
106K
Dividends
Div Rate
$1.22
Div Yield
4.0%
Frequency
4
Ex-Div Date
Mar 13, 2026
Analyst Price Targets
Consensus
$34.00
High
$34.00
Low
$34.00
Median
$34.00
Data updated apr 25, 2026 2:30am
· Source: financialmodelingprep.com