Choiceone Financial Services, Inc. Stock

$30.09

3.90% yesterday

Nasdaq, Aug 12, 10:00 pm CET

ISIN

US1703861062

Symbol

COFS

Reports

Quarter | Annual

Index

NASDAQ Composite

Sector

Banks

Industry

Banks

Overview Dividends Analysts Charts News Strategies

Choiceone Financial Services, Inc. Stock price

$30.09

+2.26 8.12% 5Y

Nasdaq, Closing price Tue, Aug 12 2025

+1.13 3.90%

ISIN

US1703861062

Symbol

COFS

Reports

Quarter | Annual

Index

NASDAQ Composite

Sector

Banks

Industry

Banks

Key metrics

Basic

Market capitalization

$433.9m

Enterprise Value

$482.2m

Net debt

$48.3m

Cash

Shares outstanding

15.0m

Valuation (TTM | estimate)

P/E

30.8 | 8.4

P/S

3.5 | 2.7

EV/Sales

3.9 | 3.0

EV/FCF

P/B

1.0

Dividends

DPS

$1.09

Yield 1Y | 5Y

3.8% | 3.8%

Growth 1Y | 5Y

3.8% | 6.6%

Payout 1Y | 3Y

33.5% | 34.2%

Increased

13 Years

Financials (TTM | estimate)

Revenue

$123.5m | $163.0m

EBITDA

- | -

EBIT

- | $60.8m

Net Income

$14.1m | $52.1m

Free Cash Flow

Growth (TTM | estimate)

Revenue

47.9% | 76.4%

EBITDA

- | -

EBIT

- | -

Net Income

-37.5% | 94.8%

Free Cash Flow

Financial Health

Equity Ratio

9.6%

Return on Equity

10.3%

ROCE

ROIC

Debt/Equity

0.1

EPS

$0.9

FCF per Share

Short interest

2.6%

Employees

364

Rev per Employee

$250.0k

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Choiceone Financial Services, Inc. Stock Analysis

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9 Analysts have issued a Choiceone Financial Services, Inc. forecast:

8x Buy

89%

More details on Analyst Estimates Including Price Targets

9 Analysts have issued a Choiceone Financial Services, Inc. forecast:

Buy

89%

Hold

11%

Analyst Estimates with Stock Price Targets

Financial data from Choiceone Financial Services, Inc.

Income Statement P&L | Balance Sheet | Cash Flow

Quarter TTM Annually

Jun '25		+/- %
Revenue	124 124	48% 48% 100%
- Interest Income	102 102	51% 51% 83%
- Non-Interest Income	21 21	34% 34% 17%
Interest Expense	54 54	21% 21% 44%
Non-Interest Expense	-106 -106	85% 85% -86%
Loan Loss Provisions	- -	- -
Net Profit	14 14	38% 38% 11%

In millions USD.

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Choiceone Financial Services, Inc. Stock News

Neutral

PRNewsWire

●

19 days ago

ChoiceOne Reports Second Quarter 2025 Results

SPARTA, Mich. , July 25, 2025 /PRNewswire/ -- ChoiceOne Financial Services, Inc. ("ChoiceOne", NASDAQ:COFS), the parent company for ChoiceOne Bank, reported financial results for the quarter ended June 30, 2025.

Neutral

PRNewsWire

●

3 months ago

ChoiceOne Financial Announces Cash Dividends

SPARTA, Mich. , May 21, 2025 /PRNewswire/ -- ChoiceOne Financial Services, Inc. announced today that its Board of Directors has declared a cash dividend on the Corporation's common stock of $0.28 per share.

Neutral

PRNewsWire

●

3 months ago

Chairman Jack G. Hendon Retires from ChoiceOne Boards of Directors, Gregory A.

SPARTA, Mich. , May 21, 2025 /PRNewswire/ -- The Boards of Directors of ChoiceOne Financial Services, Inc. (NASDAQ: COFS) ("ChoiceOne"), and ChoiceOne Bank announce the retirement of Chairman Jack G.

More Choiceone Financial Services, Inc. News

Company Profile

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, checking, and demand deposits, as well as certificates of deposit. 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 14 full-service offices in Kent, Ottawa, Muskegon, and Newaygo counties in Michigan. The company was founded in 1898 and is headquartered in Sparta, Michigan.

Head office	United States
CEO	Kelly Potes
Employees	364
Founded	1986
Website	www.choiceone.com

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