
ChoiceOne Financial Services, Inc.
COFSNASDAQFinancial ServicesBanks - Regional
Latest quote
$33.08
−$0.10 · -0.30%
COFS company overview
Regular session · ET · Market data may be delayed.
GoAI snapshot
AI-powered factor overview
GoAI score
Buy
Favorable setup — positive multi-factor alignment
Valuation
92
Deep Value
Momentum
53
Neutral
Sentiment
69
Bullish
Risk resilience
76
Moderate Risk
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Company profile
Company websiteChoiceOne 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.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- Kelly J. Potes
- Listed since
- Jun 21, 2001
- Employees
- 577
Market position
- Volume
- 86.84K
- 0.99× average
- Average volume
- 87.59K
- Average daily volume
- Market cap
- 495.46M USD
- Beta
- 0.62
- Market reference 1
Financials
Financial snapshot
Latest / TTMFinancial health
- Altman Z-score
- -0.7
- Piotroski F-score
- 6 of 9
Earnings
- Latest fiscal-year EPS
- 2.01
- FY2025 · -38.15% year over year
- Latest fiscal-year revenue
- 192.89M USD
- FY2025 · +38.67% year over year
- Next fiscal-year EPS consensus
- 3.7
- FY2026 · 3 analysts
Annual EPS trend
Reported history and fiscal-year consensus
Annual revenue trend
Reported history and fiscal-year consensus
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$38.00
14.67% upsidePrice history unavailable
High $38.00Average $38.00Low $38.00Recent analyst actions
COFS news
Corporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
$1.13
2025 complete year+20.2% since 2021
2026 partial: $0.58
$0.94
2,021
$1.01
2,022
$1.05
2,023
$1.09
2,024
$1.13
2,025
$0.58
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Jun 15, 2026 | $0.29Quarterly | Jun 15, 2026 | Jun 30, 2026 |
Dividend | Mar 13, 2026 | $0.29Quarterly | Mar 13, 2026 | Mar 31, 2026 |
Dividend | Dec 15, 2025 | $0.29Quarterly | Dec 15, 2025 | Dec 31, 2025 |
Dividend | Sep 15, 2025 | $0.28Quarterly | Sep 15, 2025 | Sep 30, 2025 |
Dividend | Jun 13, 2025 | $0.28Quarterly | Jun 13, 2025 | Jun 30, 2025 |
Dividend | Mar 14, 2025 | $0.28Quarterly | Mar 14, 2025 | Mar 31, 2025 |
Ex-dividend Jun 15, 2026
$0.29
Quarterly
Record Jun 15, 2026 · Payment Jun 30, 2026
Ex-dividend Mar 13, 2026
$0.29
Quarterly
Record Mar 13, 2026 · Payment Mar 31, 2026
Ex-dividend Dec 15, 2025
$0.29
Quarterly
Record Dec 15, 2025 · Payment Dec 31, 2025
Ex-dividend Sep 15, 2025
$0.28
Quarterly
Record Sep 15, 2025 · Payment Sep 30, 2025
Ex-dividend Jun 13, 2025
$0.28
Quarterly
Record Jun 13, 2025 · Payment Jun 30, 2025
Ex-dividend Mar 14, 2025
$0.28
Quarterly
Record Mar 14, 2025 · Payment Mar 31, 2025
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