ChoiceOne Financial Services, Inc. logo

ChoiceOne Financial Services, Inc.

COFS

NASDAQFinancial ServicesBanks - Regional

Latest quote

$33.08

−$0.10 · -0.30%

Aug 21, 3:55 PM ET

COFS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

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 website

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.

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 / TTM

Financial 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

ReportedConsensus forecast
Annual EPS trend43.282.551.83FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend203.79M160.16M116.53M72.9MFY21FY22FY23FY24FY25

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$38.00

14.67% upside
Past 12 months12-month forecast

Price history unavailable

High $38.00Average $38.00Low $38.00

Recent analyst actions

3 institutions
Hovde GroupdowngradeOutperformMarket Perform
Janney Montgomery ScottupgradeNeutralBuy

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

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Jun 15, 2026

$0.29

Quarterly

Record Jun 15, 2026 · Payment Jun 30, 2026

Dividend

Ex-dividend Mar 13, 2026

$0.29

Quarterly

Record Mar 13, 2026 · Payment Mar 31, 2026

Dividend

Ex-dividend Dec 15, 2025

$0.29

Quarterly

Record Dec 15, 2025 · Payment Dec 31, 2025

Dividend

Ex-dividend Sep 15, 2025

$0.28

Quarterly

Record Sep 15, 2025 · Payment Sep 30, 2025

Dividend

Ex-dividend Jun 13, 2025

$0.28

Quarterly

Record Jun 13, 2025 · Payment Jun 30, 2025

Dividend

Ex-dividend Mar 14, 2025

$0.28

Quarterly

Record Mar 14, 2025 · Payment Mar 31, 2025

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