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ChoiceOne Financial Services(NASDAQ) COFS

Market Cap$502.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1999)+712%
5 Year+65%
1 Year+16%
1 Month-1%
Premium Feature
Moneyball Superscore
64/100
$33.62
+0.12%
+0.04Today
After hours$33.88+$0.26 (+0.77%)
ChoiceOne Financial Services last closing stock price
MetricPriceDate
Last closeUSD 33.932026-09-10
ChoiceOne Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.32%USD 34.042026-09-03
1 month-0.79%USD 34.202026-08-11
3 month+5.11%USD 32.282026-06-12
Year to date+17.2%USD 28.952025-12-31
1 year+16%USD 29.252025-09-10
3 year+63.53%USD 20.752023-09-11
5 year+64.66%USD 20.612021-09-10
Since inception+711.87%USD 4.141999-11-24

ChoiceOne Financial Services Financials at a Glance

Market Cap

$502.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$182.65M

Net Income (TTM)

$54.72M

EPS (TTM)

$3.64

P/E Ratio

9.23

Dividend

$1.15

Beta (Volatility)

0.49 (Low)

Price

$33.62

Volume

79,163.257

Open

$33.52

Previous Close

$33.93

Daily Range

$33.30 - $33.93

52-Week Range

$26.10 - $35.40

Estimated Earnings Date

Oct 23, 2026

COFS News

No articles available.

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About ChoiceOne Financial Services

ChoiceOne Financial Services, Inc. helps Michigan residents manage their money. The bank provides savings accounts and loans for homes or businesses. These tools support the daily financial needs of local communities.

Banking Services for Michigan

  • Commercial Lending: Business operations, industrial projects, and agricultural loans; includes construction, inventory, and real estate financing.
  • Consumer Banking: Personal and residential property loans; includes time, savings, and demand deposit accounts.
  • Investment Services: Annuities, mutual funds, and insurance products for individuals and commercial clients.
  • Mortgage Warehouse Advances: Credit lines used to help other firms process and create mortgage loans.

Strategic Growth and Mergers

  • Completed the merger of Fentura Financial, Inc. on March 1, 2025, to expand its Michigan footprint.
  • Purchased $40.0 million in seasoned adjustable-rate mortgages from another community bank in the second quarter of 2026.
  • Planned the opening of a new full-service branch and lending office in Troy, Michigan, for late 2026.
  • Sold $25 million of lower-yielding municipal securities in June 2026 to fund higher-growth loan opportunities.

Regional Footprint and Operations

ChoiceOne operates 32 full-service branch offices across seven Michigan counties and maintains three specialized loan production offices. The company maintains a total available borrowing capacity of $1.1 billion through pledged assets to ensure it can meet customer cash needs.

Financial Performance Trends

  • Net income reached $12.5 million for the three-month period ended June 30, 2026.
  • Total assets reached $4.5 billion as of June 30, 2026, an increase of $146.6 million from the prior year.
  • Net interest income rose to $73.3 million for the first six months of 2026, up from $62.6 million in the same period in 2025.
  • Core loans grew by 11.9% on an annualized basis during the second quarter of 2026.
  • Cash dividends declared in the second quarter of 2026 were $0.29 per share, up from $0.28 in the prior-year quarter.

Bottom Line

ChoiceOne has expanded its regional presence through strategic mergers while maintaining its focus on traditional community banking. The company balances loan growth with careful liquidity management to support local economies across Michigan.

AI Generated • Aug 11, 2026

Industry

Banks

Sector

Financials

Employees

598

CEO

Kelly J. Potes

Website

www.choiceone.bank

Headquarters

Sparta, MI 49345, US

COFS Financials

Key Financial Metrics (TTM)

Gross Margin

62.28%

Operating Margin

19.22%

Net Income Margin

29.96%

Return on Equity

11.72%

Return on Capital

4.39%

Return on Assets

1.23%

Earnings Yield

10.83%

Dividend Yield

3.42%

Payout Ratio

31.48%

Stock Overview

Market Cap

$502.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

14.96M

Volume

79.16K

Avg. Volume

92.38K

Financials (TTM)

Gross Profit

$113.75M

Operating Income

$35.11M

EBITDA

$45.94M

Operating Cash Flow

$59.10M

Capital Expenditure

-$3.72M

Free Cash Flow

$55.38M

Cash & ST Invst.

$644.22M

Total Debt

$343.50M

ChoiceOne Financial Services Performance Analysis

ChoiceOne Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 90,087,0008.1%
20232023-12-31USD 114,132,00026.7%
20242024-12-31USD 138,904,00021.7%
20252025-12-31USD 227,017,00063.4%
ChoiceOne Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.3%
Q42025-12-31-2.2%
Q12026-03-31-2.3%
Q22026-06-30-97.9%
ChoiceOne Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.149.7%
20232023-12-31USD 2.81-10.6%
20242024-12-31USD 3.2515.8%
20252025-12-31USD 2.01-38.1%
ChoiceOne Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-307.8%
Q42025-12-31-5.2%
Q12026-03-31-1.1%
Q22026-06-30-8.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$1.25M

-97.9%

Gross Profit

-$15.38M

-136.5%

Gross Margin

-12.32%

N/A

Market Cap

$502.21MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$870.37K

N/A

Employees

577

N/A

Net Income

$12.46M

-7.9%

EBITDA

-$21.61M

-197.9%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$644.22M

+287.1%

Total Debt

$343.50M

+39.2%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$48.65M

-78.2%

Short Term Debt

$294.85M

+1144.1%

Return on Assets

1.23%

N/A

Return on Invested Capital

6.27%

N/A

Free Cash Flow

$31.47M

+357.2%

Operating Cash Flow

$29.94M

+234.3%

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Questions About COFS

What is the current price of ChoiceOne Financial Services?

ChoiceOne Financial Services is trading at $33.93 per share.

What is the 52-week range for ChoiceOne Financial Services?

Over the past 52 weeks, ChoiceOne Financial Services has traded between $26.10 and $35.40.

How much debt does ChoiceOne Financial Services have?

As of the most recent reporting period, ChoiceOne Financial Services reported total debt of $343.50M.

How much cash does ChoiceOne Financial Services have on hand?

ChoiceOne Financial Services does not have cash on hand data available.

What is ChoiceOne Financial Services’s dividend yield?

ChoiceOne Financial Services currently has a dividend yield of 3.42%.

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