ChoiceOne Financial Services, Inc.
COFS
NASDAQ·Financial Services·Banks - Regional·Mkt cap $512.8M
$34.30
▲ +0.76%
P/E
9.42
Mkt Cap
$512.8M
52-Wk Range
$26.10–$35.40
52-Week Range
$26.10 - $35.40
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 11.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- 125+ year operating history with deep community relationships and local market expertise
- Established branch network of 32 full-service offices across six Michigan counties
- Diversified revenue streams from lending, deposits, and alternative investment products
- Community-focused relationship banking model differentiating from large national competitors
Bear Case
1 risk
- Low volatility (beta 0.6).
Growth
Stable outlook
Regional economic growth and business expansion in West and Southeast Michigan markets
Value
Trading at 0.8x Commercial Banking peers — a discount despite the growth profile.
Momentum
Strong
+7.1% over 3m
Quality
Excellent
Emerging growth company (-98% revenue growth). Early stage with higher risk.
Dividend
Solid
3.35% yield
Smart-money signal
Who's buying COFS right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 23, 2026
JUL 24, 2026
Reported EPS of $0.83 vs $0.88 consensus (-5.7% surprise). Revenue of $41.1M vs $43.5M expected (-5.4%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-5.7%
Revenue trend · last 8Q
—
+18%
+52%
+91%
+78%
+148%
+19%
-98%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$25.1M
$24.3M
$44.9M
$60.4M
$61.8M
$60.5M
$53.3M
$1.2M
Margins · last 8Q
Gross
—
Operating
—
Profit
997.8%
Wall Street consensus
1 analyst · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: DA Davidson · $34.00 · Apr 27, 2026
vs Industry
How COFS stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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