ChoiceOne Financial Services/$COFS
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About ChoiceOne Financial Services
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
Ticker
$COFS
Sector
Primary listing
Industry
Banks
Headquarters
Employees
364
ISIN
US1703861062
Website
COFS Metrics
BasicAdvanced
$449M
37.52
$0.80
0.58
$1.11
3.74%
Price and volume
Market cap
$449M
Beta
0.58
52-week high
$32.25
52-week low
$24.89
Average daily volume
141K
Dividend rate
$1.11
Financial strength
Dividend payout ratio (TTM)
155.35%
Profitability
Net profit margin (TTM)
8.09%
Operating margin (TTM)
32.53%
Effective tax rate (TTM)
16.94%
Revenue per employee (TTM)
$240,000
Management effectiveness
Return on assets (TTM)
0.21%
Return on equity (TTM)
2.27%
Valuation
Price to earnings (TTM)
37.518
Price to revenue (TTM)
3.024
Price to book
0.75
Price to tangible book (TTM)
1.21
Price to free cash flow (TTM)
10.884
Free cash flow yield (TTM)
9.19%
Free cash flow per share (TTM)
275.28%
Dividend yield (TTM)
3.70%
Forward dividend yield
3.74%
Growth
Revenue change (TTM)
10.37%
Earnings per share change (TTM)
-71.58%
3-year revenue growth (CAGR)
3.68%
3-year earnings per share growth (CAGR)
-34.13%
10-year earnings per share growth (CAGR)
-7.11%
3-year dividend per share growth (CAGR)
4.28%
10-year dividend per share growth (CAGR)
7.29%
Bulls say / Bears say
ChoiceOne Financial Services reported a 35.3% year-over-year increase in net income for Q4 2024, reaching $7.16 million, indicating strong financial performance. (stocktitan.net)
The company's core loans grew by $40.3 million in Q4 2024 and $114.5 million for the year, reflecting robust loan portfolio expansion. (stocktitan.net)
Analysts have set a 12-month average price target of $37.00 for COFS, suggesting potential upside from the current price. (tipranks.com)
ChoiceOne Financial Services shares have declined about 21% since the beginning of the year, underperforming the S&P 500's decline of 5.5%. (nasdaq.com)
Short interest in COFS increased by 17.6% in February 2025, indicating growing bearish sentiment among investors. (marketbeat.com)
The company's net interest margin decreased to 2.98% in Q4 2024 from 3.17% in Q3, suggesting potential pressure on profitability. (stocktitan.net)
Data summarised monthly by Lightyear AI. Last updated on 7 Jul 2025.
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
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FAQs
What’s the current market cap for ChoiceOne Financial Services stock?
ChoiceOne Financial Services (COFS) has a market cap of $449M as of July 08, 2025.
What is the P/E ratio for ChoiceOne Financial Services stock?
The price to earnings (P/E) ratio for ChoiceOne Financial Services (COFS) stock is 37.52 as of July 08, 2025.
Does ChoiceOne Financial Services stock pay dividends?
Yes, the ChoiceOne Financial Services (COFS) stock pays dividends to shareholders. As of July 08, 2025, the dividend rate is $1.11 and the yield is 3.74%. ChoiceOne Financial Services has a payout ratio of 155.35% on a trailing twelve-month basis.
When is the next ChoiceOne Financial Services dividend payment date?
The next ChoiceOne Financial Services (COFS) dividend payment date is unconfirmed.
What is the beta indicator for ChoiceOne Financial Services?
ChoiceOne Financial Services (COFS) has a beta rating of 0.58. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.