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ChoiceOne Financial Services(NASDAQ) COFS

Current Price$32.66
Market Cap$489.98MMarket 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)+691%
5 Year+61%
1 Year+17%
1 Month-1%
ChoiceOne Financial Services last closing stock price
MetricPriceDate
Last closeUSD 32.722026-07-24
ChoiceOne Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.57%USD 33.932026-07-17
1 month-1.12%USD 33.092026-06-24
3 month+7.26%USD 30.512026-04-24
Year to date+13.02%USD 28.952025-12-31
1 year+17.06%USD 27.952025-07-24
3 year+56.42%USD 20.922023-07-25
5 year+61.09%USD 20.312021-07-23
Since inception+691.07%USD 4.141999-11-24

ChoiceOne Financial Services Financials at a Glance

Market Cap

$489.98MMarket 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

8.82

Dividend

$1.15

Beta (Volatility)

0.49 (Low)

Price

$32.66

Volume

3,383

Open

$31.52

Previous Close

$32.66

Daily Range

$31.15 - $32.66

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 helps Michigan residents and businesses manage their money. It provides savings accounts and loans for homes or cars. Local companies use its funds to grow their operations.

Financial Services for Every Need

  • Commercial Lending: Loans for businesses, agriculture, and construction projects; interest and fees from loans provided 76% of revenue in 2025.
  • Consumer Banking: Personal financing for home buyers and individuals needing residential or real property.
  • Deposit Products: Savings accounts, checking accounts, and certificates of deposit for residents and local corporations.
  • Wealth Management: Planning services including trust management, annuities, and mutual funds for long-term investors.
  • Insurance Services: Life and health coverage options sold to both commercial and personal clients.

Expanding Through Strategic Mergers

  • In March 2025, ChoiceOne merged with Fentura Financial, Inc. and its subsidiary The State Bank.
  • The company acquired Community Shores Bank Corporation in July 2020.
  • The business combined with County Bank Corp. and Lakestone Bank & Trust in October 2019.
  • Management formed 109 Technologies, LLC in July 2023 to hold financial technology intellectual property.

A Focus on Local Presence

ChoiceOne manages 47 full-service branch offices across western and southeastern Michigan. It also operates a dedicated technology subsidiary to develop and license financial software to other banks.

Recent Metrics and Performance

  • Revenue reached $59.1 million in Q1 2026, up 31.7% from Q1 2025.
  • Net income improved to $13.7 million in Q1 2026, following a loss of $13.9 million in Q1 2025.
  • Total assets hit $4.4 billion by December 31, 2025, after completing a major merger.
  • Operating income turned positive at $16.7 million in Q1 2026, up from a $17.6 million loss the prior year.

Bottom Line

ChoiceOne has transformed into a regional banking leader through multiple strategic mergers. It balances community banking with insurance, wealth management, and financial technology services.

AI Generated • May 6, 2026

Industry

Banks

Sector

Financials

Employees

577

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

3.75%

Return on Capital

4.39%

Return on Assets

1.23%

Earnings Yield

11.34%

Dividend Yield

3.51%

Payout Ratio

31.24%

Stock Overview

Market Cap

$489.98MMarket 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

14.97M

Volume

3.38K

Avg. Volume

92.41K

Financials (TTM)

Gross Profit

$113.75M

Operating Income

$35.11M

EBITDA

$45.94M

Operating Cash Flow

$38.11M

Capital Expenditure

-$7.32M

Free Cash Flow

$30.79M

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

$489.98MMarket 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

$809.89K

N/A

Employees

605

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

0.79%

N/A

Free Cash Flow

-$1.70M

+76.7%

Operating Cash Flow

-$177.00K

+97.3%

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Questions About COFS

What is the current price of ChoiceOne Financial Services?

ChoiceOne Financial Services is trading at $32.66 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 3.51%.

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