COFS ChoiceOne Financial Services, Inc.
USFinancial ServicesAs of 2026-07-10 16:00
Why COFS matters now
ChoiceOne Financial Services, Inc. (COFS) is a US stock in Financial Services. The latest InvestLog snapshot shows $32.98 with +0.67% on the session and $493.9M in market capitalization; recent performance reads 1-month +3.21% and YTD +7.96%.
The latest financial table shown here is Q1 2026, with revenue of $59.1M, net income of $13.7M, and EPS of $0.91. Investors can compare that operating picture with valuation signals such as P/E 15.97 and FCF yield 6.5%.
The latest indexable market news headline is "All You Need to Know About ChoiceOne Financial Services (COFS) Rating Upgrade to Buy" from Zacks Investment Research.
Additional event context on this page matters because analyst consensus is Buy with a median target of $34.00; recent insider activity includes Potes Kelly filing F-InKind. These signals are research inputs, not a recommendation.
Valuation
P/E (TTM)
15.97
PEG
2.95
P/B
1.02
P/S
1.97
EV/EBITDA
6.99
DCF Value
$89.24
FCF Yield
6.5%
Div Yield
3.6%
Margins & Returns
Gross Margin
70.8%
Operating Margin
28.3%
Net Margin
23.1%
ROE
12.3%
ROA
1.3%
ROIC
1.3%
Financials
| Period | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $59.1M | $13.7M | $0.91 |
| Q4 2025 | $60.5M | $13.9M | $0.92 |
| FY 2025 | $192.9M | $28.2M | $2.01 |
| Q3 2025 | $61.8M | $14.7M | $0.97 |
Analyst Ratings
Consensus
Buy
Target (Consensus)
$34.00
Target (Median)
$34.00
Target Range
$34.00 - $34.00
Trading Activity
Insider Trades
Related Stocks
Latest News
Company Info
Sector
Financial Services
Industry
Banks - Regional
Country
US
Exchange
—
Beta
0.63
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.