NASDAQ: COFSChoiceone Financial Services Inc Stock
$33.15-0.21 (-0.63%)
Updated Jul 7, 2026
COFS Price
$33.15
Fair Value Price
N/A
Market Cap
$496.42M
52 Week Low
$26.10
52 Week High
$35.40
P/E
8.82x
P/B
1.06x
P/S
2.46x
PEG
N/A
Dividend Yield
3.47%
Revenue
$171.31M
Earnings
$55.79M
Gross Margin
100%
Operating Margin
39.96%
Profit Margin
32.6%
Debt to Equity
8.35
Operating Cash Flow
$38M
Beta
0.49
Next Earnings
Jul 24, 2026
Ex-Dividend
N/A
Next Dividend
N/A
COFS Overview
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.
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 +5.11% 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#136 of 287
Ranked#136 of 287
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $91.65 | B | |
| $29.19 | B | |
| $58.26 | B |
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COFS News
Overview
Due Diligence Score
–
Industry Average (37)
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 is forecast by analysts to be unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
COFS is poor value based on its earnings relative to its share price (8.82x), compared to the US market average (8.58x)
P/E vs Market Valuation
COFS is good 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 price to earnings (PE)
For valuing profitable companies with steady earnings
Company
8.82x
Industry
13.9x
Market
8.58x
COFS is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
COFS is poor 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
1.06x
Industry
1.34x
COFS is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
COFS's financial health
Profit margin
Revenue
$42.5M
Net Income
$13.7M
Profit Margin
32.3%
COFS's Earnings (EBIT) of $68.46M... subscribe to Premium to read more.
Interest Coverage Financials
COFS's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.4B
Liabilities
$3.9B
Debt to equity
8.35
COFS's debt relative to shareholder... 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
-$177.0k
Investing
$14.6M
Financing
-$18.2M
COFS's operating cash flow ($38.11M)... subscribe to Premium to read more.
Debt Coverage Financials
COFS vs Bank Stocks
Choiceone Financial Services Stock FAQ
Company
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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.