NASDAQ: COFSChoiceone Financial Services Inc Stock
$29.72+0.43 (+1.47%)
Updated Feb 20, 2026
COFS Price
$29.72
Fair Value Price
N/A
Market Cap
$446.51M
52 Week Low
$24.89
52 Week High
$35.40
P/E
21.69x
P/B
0.99x
P/S
3.37x
PEG
0.17x
Dividend Yield
3.8%
Revenue
$128.93M
Earnings
$21.47M
Gross Margin
100%
Operating Margin
20.32%
Profit Margin
16.7%
Debt to Equity
8.56
Operating Cash Flow
$42M
Beta
0.51
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
COFS Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine COFS's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
COFS
Ranked#79 of 277
Ranked#79 of 277
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $7.05 | B | |
| $84.47 | B | |
| $23.07 | B |
Be the first to know about important COFS news, forecast changes, insider trades & much more!
COFS News
Overview
Due Diligence Score
–
Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how COFS scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
COFS ($29.72) is trading below its intrinsic value of $75.16, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
COFS is good value based on its earnings relative to its share price (21.69x), compared to the US market average (44.63x)
P/E vs Market Valuation
COFS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more COFS due diligence checks available for Premium users.
Valuation
COFS fair value
Fair Value of COFS stock based on Discounted Cash Flow (DCF)
Price
$29.72
Fair Value
$85.17
Undervalued by
65.11%
COFS ($29.72) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
COFS price to earnings (PE)
For valuing profitable companies with steady earnings
Company
21.69x
Industry
17.06x
Market
44.63x
COFS is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
COFS is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
COFS price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.99x
Industry
1.41x
COFS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
COFS price to earnings growth (PEG)
For valuing profitable companies with growth potential
COFS is good value based... subscribe to Premium to read more.
PEG Value Valuation
COFS's financial health
Profit margin
Revenue
$44.5M
Net Income
$14.7M
Profit Margin
33%
COFS's Earnings (EBIT) of $26.20M... subscribe to Premium to read more.
Interest Coverage Financials
COFS's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.3B
Liabilities
$3.8B
Debt to equity
8.56
COFS's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
COFS's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$15.3M
Investing
-$42.1M
Financing
-$30.5M
COFS's operating cash flow ($41.79M)... subscribe to Premium to read more.
Debt Coverage Financials
COFS vs Bank Stocks
Choiceone Financial Services Stock FAQ
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletterWallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.
Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.