COFS Stock - ChoiceOne Financial Services, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $139.10M | $113.89M | $89.13M | $83.81M | $78.41M |
| Gross Profit | $91.81M | $80.64M | $81.14M | $79.42M | $69.77M |
| Gross Margin | 66.0% | 70.8% | 91.0% | 94.8% | 89.0% |
| Operating Income | $33.09M | $25.57M | $27.66M | $26.50M | $18.89M |
| Net Income | $26.73M | $21.26M | $23.64M | $22.04M | $15.61M |
| Net Margin | 19.2% | 18.7% | 26.5% | 26.3% | 19.9% |
| EPS | $3.27 | $2.82 | $3.15 | $2.87 | $2.08 |
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| March 10th 2025 | Hovde Group | Initiation | Outperform | $35 |
| March 3rd 2025 | Janney | Upgrade | Buy | - |
| October 18th 2024 | DA Davidson | Initiation | Buy | $37 |
| September 27th 2023 | Janney | Initiation | Neutral | $24 |
Earnings History & Surprises
COFSEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 28, 2026 | — | — | — | — |
Q1 2026 | Jan 28, 2026 | $0.91 | — | — | — |
Q4 2025 | Oct 24, 2025 | $0.86 | $0.97 | +12.8% | ✓ BEAT |
Q3 2025 | Jul 25, 2025 | $0.80 | $0.91 | +13.7% | ✓ BEAT |
Q2 2025 | Apr 30, 2025 | $0.82 | $0.86 | +4.9% | ✓ BEAT |
Q1 2025 | Mar 11, 2025 | — | $0.84 | — | — |
Q4 2024 | Oct 23, 2024 | $0.74 | $0.85 | +14.9% | ✓ BEAT |
Q3 2024 | Jul 25, 2024 | $0.76 | $0.87 | +14.5% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $0.59 | $0.74 | +25.4% | ✓ BEAT |
Q1 2024 | Mar 13, 2024 | — | $0.70 | — | — |
Q4 2023 | Oct 25, 2023 | $0.67 | $0.68 | +1.5% | ✓ BEAT |
Q3 2023 | Jul 26, 2023 | — | $0.69 | — | — |
Q2 2023 | Apr 26, 2023 | — | $0.75 | — | — |
Q1 2023 | Mar 23, 2023 | — | $0.89 | — | — |
Q4 2022 | Oct 26, 2022 | — | $0.77 | — | — |
Q3 2022 | Jul 27, 2022 | — | $0.75 | — | — |
Q2 2022 | Apr 29, 2022 | — | $0.74 | — | — |
Q1 2022 | Mar 18, 2022 | — | $0.66 | — | — |
Q4 2021 | Oct 27, 2021 | — | $0.75 | — | — |
Q3 2021 | Jul 28, 2021 | — | $0.65 | — | — |
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