NASDAQ : COFS
ChoiceOne Financial Services, Inc. — Key statistics
Financials · Banks - Regional · United States
Last price 35 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 523.44M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 543.70M |
| Enterprise Value | 732.35M |
Dates
| Measure | Value |
|---|
| Earnings Date | Oct 30, 2026 |
| Ex-Dividend Date | Sep 15, 2026 |
Shares
| Measure | Value |
|---|
| Current Share Class | 14.92M |
| Shares Outstanding | 14.92M |
| Shares Change (YoY) | +20.57% |
| Shares Change (QoQ) | -0.03% |
| Owned by Insiders (%) | 8.39% |
| Owned by Institutions (%) | 49.73% |
| Float | 13.67M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 10.05 |
| Forward PE | 9.76 |
| PS Ratio | 3.19 |
| Forward PS | 3.01 |
| PB Ratio | 1.13 |
| P/TBV Ratio | 1.73 |
| P/FCF Ratio | 10.61 |
| P/OCF Ratio | 9.17 |
| PEG Ratio | n/a |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 13.38 |
| EV / Sales | 4.30 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.31 |
Financialposition
| Measure | Value |
|---|
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.60 |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.56 |
| Interest Coverage | n/a |
Financialefficiency
| Measure | Value |
|---|
| Return on Equity (ROE) | 11.87% |
| Return on Assets (ROA) | 1.25% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.09% |
| Revenue Per Employee | $283,724 |
| Profits Per Employee | $91,269 |
| Employee Count | 598 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | 11.67M |
| Effective Tax Rate | 17.62% |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 0.64 |
| 52-Week Price Change | +26.76% |
| 50-Day Moving Average | 33.46 |
| 200-Day Moving Average | 31.57 |
| Relative Strength Index (RSI) | 74.56 |
| Average Volume (20 Days) | 86,476 |
Shortselling
| Measure | Value |
|---|
| Short Interest | 518,438 |
| Short Previous Month | 520,355 |
| Short % of Shares Out | 3.48% |
| Short % of Float | 3.79% |
| Short Ratio (days to cover) | 6.00 |
Incomestatement
| Measure | Value |
|---|
| Revenue | 169.67M |
| Gross Profit | 169.67M |
| Operating Income | 74.54M |
| Pretax Income | 66.25M |
| Net Income | 54.58M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $3.63 |
Balancesheet
| Measure | Value |
|---|
| Cash & Cash Equivalents | 94.97M |
| Total Debt | 283.61M |
| Net Cash | -188.65M |
| Net Cash Per Share | -$12.64 |
| Equity (Book Value) | 469.81M |
| Book Value Per Share | 31.49 |
| Working Capital | -3.58B |
Cashflow
| Measure | Value |
|---|
| Operating Cash Flow | 59.10M |
| Capital Expenditures | -8.05M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 96.29M |
| Free Cash Flow | 51.04M |
| FCF Per Share | $3.42 |
Margins
| Measure | Value |
|---|
| Gross Margin | n/a |
| Operating Margin | 43.93% |
| Pretax Margin | 39.05% |
| Profit Margin | 32.17% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 30.04% |
Dividends
| Measure | Value |
|---|
| Dividend Per Share | $1.16 |
| Dividend Yield | 3.16% |
| Dividend Growth (YoY) | 3.57% |
| Years of Dividend Growth | 5 |
| Payout Ratio | 31.99% |
| FCF Payout Ratio | 33.91% |
| Buyback Yield | -20.57% |
| Shareholder Yield | -17.36% |
| Earnings Yield | 9.95% |
| FCF Yield | 9.42% |
Analystforecasts
| Measure | Value |
|---|
| Price Target | $37.67 |
| Price Target Difference | 3.36% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | May 9, 2018 |
| Split Type | Forward |
| Split Ratio | 1.05:1 |
Scores
| Measure | Value |
|---|
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |