_id
691052baccc777a4e85d54e0
Ticker
COFS
Name
ChoiceOne Financial Services Inc
Exchange
NASDAQ
Address
109 East Division Street, Sparta, MI, United States, 49345
Country
USA
Sector
Financial Services
Industry
Banks - Regional
Currency
USD
Website
https://www.choiceone.bank
Description
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan. The company offers time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, 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 sells insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
Last Close
31.96
Volume
56227
Current Price
31.9
Change
-0.18773466833542637
Last Updated
2025-11-29T11:43:47.430Z
Image
-
Ipo Date
2001-12-31T00:00:00.000Z
Market Cap
457322400
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
-
Sentiment Sources
0
Rating
5
Target Price
35.3333
Strong Buy
3
Buy
0
Hold
0
Sell
0
Strong Sell
0
Current Quarter
2025-09-30
Revenue
61842000
Cost Of Revenue
17301000
Gross Profit
44541000
Operating Expenses
26215000
Operating Income
18326000
Interest Expense
17101000
Pretax Income
18326000
Net Income
14681000
Eps
0.970003303600925
Dividends Per Share
4204000
Shares Outstanding
15023732
Income Tax Expense
3645000
EBITDA
23830000
Operating Margin
29.633582355033795
Total Other Income Expense Net
-
Cash
98978000
Short Term Investments
8654000
Receivables
-
Inventories
-
Total Current Assets
107632000
Property Plant Equipment
46159000
Total Assets
4296902000
Payables
-
Short Term Debt
50000000
Long Term Debt
196368000
Total Liabilities
3847287000
Equity
449615000
Depreciation
5504000
Change In Working Capital
-4662000
Cash From Operations
15294000
Capital Expenditures
1600000
Cash From Investing
-42118000
Cash From Financing
-30477000
Net Change In Cash
-57302000
PE
16.5435
PB
1.0738220477519655
ROE
3.2652380369872
ROA
0.3416647621937852
FCF
13694000
Fcf Percent
0.22143527052812004
Piotroski FScore
4
Health Score
54
Deep Value Investing Score
5.5
Defensive Investing Score
3.5
Dividend Investing Score
3.5
Economic Moat Investing Score
7.3
Garp Investing Score
3.5
Growth Investing Score
3.5
Momentum Investing Score
3.5
Net Net Investing Score
2.5
Quality Investing Score
6
Value Investing Score
7
Quarters > 0 > quarter
2025-09-30
Quarters > 0 > income Statement > revenue
61842000
Quarters > 0 > income Statement > cost Of Revenue
17301000
Quarters > 0 > income Statement > gross Profit
44541000
Quarters > 0 > income Statement > operating Expenses
26215000
Quarters > 0 > income Statement > operating Income
18326000
Quarters > 0 > income Statement > interest Expense
17101000
Quarters > 0 > income Statement > pretax Income
18326000
Quarters > 0 > income Statement > net Income
14681000
Quarters > 0 > income Statement > eps
0.970003303600925
Quarters > 0 > income Statement > dividends Per Share
4204000
Quarters > 0 > income Statement > shares Outstanding
15135000
Quarters > 0 > income Statement > income Tax Expense
3645000
Quarters > 0 > income Statement > EBITDA
23830000
Quarters > 0 > income Statement > operating Margin
29.633582355033795
Quarters > 0 > income Statement > total Other Income Expense Net
-
Quarters > 0 > balance Sheet > cash
98978000
Quarters > 0 > balance Sheet > short Term Investments
8654000
Quarters > 0 > balance Sheet > receivables
-
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
107632000
Quarters > 0 > balance Sheet > property Plant Equipment
46159000
Quarters > 0 > balance Sheet > total Assets
4296902000
Quarters > 0 > balance Sheet > payables
-
Quarters > 0 > balance Sheet > short Term Debt
50000000
Quarters > 0 > balance Sheet > long Term Debt
196368000
Quarters > 0 > balance Sheet > total Liabilities
3847287000
Quarters > 0 > balance Sheet > equity
449615000
Quarters > 0 > cash Flow > net Income
14681000
Quarters > 0 > cash Flow > depreciation
5504000
Quarters > 0 > cash Flow > change In Working Capital
-4662000
Quarters > 0 > cash Flow > cash From Operations
15294000
Quarters > 0 > cash Flow > capital Expenditures
1600000
Quarters > 0 > cash Flow > cash From Investing
-42118000
Quarters > 0 > cash Flow > cash From Financing
-30477000
Quarters > 0 > cash Flow > net Change In Cash
-57302000
Quarters > 0 > ratios > PE
0.970003303600925
Quarters > 0 > ratios > PB
1.0738220477519655
Quarters > 0 > ratios > ROE
3.2652380369872
Quarters > 0 > ratios > ROA
0.3416647621937852
Quarters > 0 > ratios > FCF
13694000
Quarters > 0 > ratios > Piotroski FScore
4
Quarters > 0 > ratios > fcf Percent
0.22143527052812004
Quarters > 0 > health Score
54
Quarters > 1 > quarter
2025-06-30
Quarters > 1 > income Statement > revenue
60428000
Quarters > 1 > income Statement > cost Of Revenue
18253000
Quarters > 1 > income Statement > gross Profit
42175000
Quarters > 1 > income Statement > operating Expenses
25506000
Quarters > 1 > income Statement > operating Income
16669000
Quarters > 1 > income Statement > interest Expense
17603000
Quarters > 1 > income Statement > pretax Income
16669000
Quarters > 1 > income Statement > net Income
13534000
Quarters > 1 > income Statement > eps
0.9001662786830729
Quarters > 1 > income Statement > dividends Per Share
4203000
Quarters > 1 > income Statement > shares Outstanding
15035000
Quarters > 1 > income Statement > income Tax Expense
3135000
Quarters > 1 > income Statement > EBITDA
22082000
Quarters > 1 > income Statement > operating Margin
27.58489441980539
Quarters > 1 > income Statement > total Other Income Expense Net
-166000
Quarters > 1 > balance Sheet > cash
156280000
Quarters > 1 > balance Sheet > short Term Investments
10151000
Quarters > 1 > balance Sheet > receivables
-
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
166431000
Quarters > 1 > balance Sheet > property Plant Equipment
45667000
Quarters > 1 > balance Sheet > total Assets
4310252000
Quarters > 1 > balance Sheet > payables
-
Quarters > 1 > balance Sheet > short Term Debt
23700000
Quarters > 1 > balance Sheet > long Term Debt
223005000
Quarters > 1 > balance Sheet > total Liabilities
3878491000
Quarters > 1 > balance Sheet > equity
431761000
Quarters > 1 > cash Flow > net Income
13534000
Quarters > 1 > cash Flow > depreciation
5413000
Quarters > 1 > cash Flow > change In Working Capital
-2633000
Quarters > 1 > cash Flow > cash From Operations
8958000
Quarters > 1 > cash Flow > capital Expenditures
2075000
Quarters > 1 > cash Flow > cash From Investing
10054000
Quarters > 1 > cash Flow > cash From Financing
-2153000
Quarters > 1 > cash Flow > net Change In Cash
16859000
Quarters > 1 > ratios > PE
0.9001662786830729
Quarters > 1 > ratios > PB
1.1108379404346385
Quarters > 1 > ratios > ROE
3.1346045613198044
Quarters > 1 > ratios > ROA
0.3139955622084277
Quarters > 1 > ratios > FCF
6883000
Quarters > 1 > ratios > Piotroski FScore
3
Quarters > 1 > ratios > fcf Percent
0.11390415039385715
Quarters > 1 > health Score
44
Quarters > 2 > quarter
2025-03-31
Quarters > 2 > income Statement > revenue
44881000
Quarters > 2 > income Statement > cost Of Revenue
26811000
Quarters > 2 > income Statement > gross Profit
18070000
Quarters > 2 > income Statement > operating Expenses
35665000
Quarters > 2 > income Statement > operating Income
-17595000
Quarters > 2 > income Statement > interest Expense
13648000
Quarters > 2 > income Statement > pretax Income
-17595000
Quarters > 2 > income Statement > net Income
-13906000
Quarters > 2 > income Statement > eps
-1.2947858472998137
Quarters > 2 > income Statement > dividends Per Share
4192000
Quarters > 2 > income Statement > shares Outstanding
10740000
Quarters > 2 > income Statement > income Tax Expense
-3689000
Quarters > 2 > income Statement > EBITDA
-13961000
Quarters > 2 > income Statement > operating Margin
-39.20367193244358
Quarters > 2 > income Statement > total Other Income Expense Net
-56601000
Quarters > 2 > balance Sheet > cash
139421000
Quarters > 2 > balance Sheet > short Term Investments
15664000
Quarters > 2 > balance Sheet > receivables
-
Quarters > 2 > balance Sheet > inventories
-
Quarters > 2 > balance Sheet > total Current Assets
155085000
Quarters > 2 > balance Sheet > property Plant Equipment
44284000
Quarters > 2 > balance Sheet > total Assets
4305176000
Quarters > 2 > balance Sheet > payables
-
Quarters > 2 > balance Sheet > short Term Debt
87330000
Quarters > 2 > balance Sheet > long Term Debt
98186000
Quarters > 2 > balance Sheet > total Liabilities
3878323000
Quarters > 2 > balance Sheet > equity
427068000
Quarters > 2 > cash Flow > net Income
-13906000
Quarters > 2 > cash Flow > depreciation
3634000
Quarters > 2 > cash Flow > change In Working Capital
-8522000
Quarters > 2 > cash Flow > cash From Operations
-6472000
Quarters > 2 > cash Flow > capital Expenditures
835000
Quarters > 2 > cash Flow > cash From Investing
256977000
Quarters > 2 > cash Flow > cash From Financing
-207835000
Quarters > 2 > cash Flow > net Change In Cash
42670000
Quarters > 2 > ratios > PE
-1.2947858472998137
Quarters > 2 > ratios > PB
0.8022282165837757
Quarters > 2 > ratios > ROE
-3.2561559283299144
Quarters > 2 > ratios > ROA
-0.32300653910548605
Quarters > 2 > ratios > FCF
-7307000
Quarters > 2 > ratios > Piotroski FScore
1
Quarters > 2 > ratios > fcf Percent
-0.16280831532274237
Quarters > 2 > health Score
16
Quarters > 3 > quarter
2024-12-31
Quarters > 3 > income Statement > revenue
36032000
Quarters > 3 > income Statement > cost Of Revenue
11889000
Quarters > 3 > income Statement > gross Profit
24143000
Quarters > 3 > income Statement > operating Expenses
15344000
Quarters > 3 > income Statement > operating Income
8799000
Quarters > 3 > income Statement > interest Expense
11689000
Quarters > 3 > income Statement > pretax Income
8799000
Quarters > 3 > income Statement > net Income
7159000
Quarters > 3 > income Statement > eps
0.8378796997162749
Quarters > 3 > income Statement > dividends Per Share
2510000
Quarters > 3 > income Statement > shares Outstanding
8544186
Quarters > 3 > income Statement > income Tax Expense
1640000
Quarters > 3 > income Statement > EBITDA
11962000
Quarters > 3 > income Statement > operating Margin
24.419960035523978
Quarters > 3 > income Statement > total Other Income Expense Net
8799000
Quarters > 3 > balance Sheet > cash
96401000
Quarters > 3 > balance Sheet > short Term Investments
479117000
Quarters > 3 > balance Sheet > receivables
-
Quarters > 3 > balance Sheet > inventories
-
Quarters > 3 > balance Sheet > total Current Assets
575518000
Quarters > 3 > balance Sheet > property Plant Equipment
27099000
Quarters > 3 > balance Sheet > total Assets
2723243000
Quarters > 3 > balance Sheet > payables
-
Quarters > 3 > balance Sheet > short Term Debt
155000000
Quarters > 3 > balance Sheet > long Term Debt
55752000
Quarters > 3 > balance Sheet > total Liabilities
2462828000
Quarters > 3 > balance Sheet > equity
260415000
Quarters > 3 > cash Flow > net Income
7159000
Quarters > 3 > cash Flow > depreciation
3163000
Quarters > 3 > cash Flow > change In Working Capital
16000000
Quarters > 3 > cash Flow > cash From Operations
24008000
Quarters > 3 > cash Flow > capital Expenditures
659000
Quarters > 3 > cash Flow > cash From Investing
-41623000
Quarters > 3 > cash Flow > cash From Financing
-31572000
Quarters > 3 > cash Flow > net Change In Cash
-49187000
Quarters > 3 > ratios > PE
0.8378796997162749
Quarters > 3 > ratios > PB
1.046635306721963
Quarters > 3 > ratios > ROE
2.749073594071002
Quarters > 3 > ratios > ROA
0.26288509692304357
Quarters > 3 > ratios > FCF
23349000
Quarters > 3 > ratios > Piotroski FScore
4
Quarters > 3 > ratios > fcf Percent
0.6480073268206039
Quarters > 3 > health Score
54
Valuation > metrics > PE
16.5435
Valuation > metrics > PB
1.0738220477519655
Valuation > final Score
100
Valuation > verdict
Fair
Profitability > metrics > ROE
3.2652380369872
Profitability > metrics > ROA
13.639995540359745
Profitability > metrics > Net Margin
0.23739529769412374
Profitability > final Score
67
Profitability > verdict
Adequate
Risk > metrics > Debt Equity
8.556847525104812
Risk > metrics > Interest Coverage
1.0716332378223496
Risk > final Score
10
Risk > verdict
High
Liquidity > metrics > Current Ratio
2.15264
Liquidity > metrics > Quick Ratio
2.15264
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
100
Prev Valuations > 1
70
Prev Valuations > 2
100
Prev Profitabilities > 0
61
Prev Profitabilities > 1
0
Prev Profitabilities > 2
39
Prev Risks > 0
10
Prev Risks > 1
1
Prev Risks > 2
9
Prev Liquidities > 0
100
Prev Liquidities > 1
94
Prev Liquidities > 2
100
Updated At
2025-12-14T00:21:23.230Z
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan. The company offers time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, 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 sells insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
Stock Price
$ 0.00
0% decrease compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/AChoiceOne Financial Services (NASDAQ:COFS) Rating Lowered to “Hold” at Wall Street Zen Defense World
Read more →Gendell Jeffrey L Cuts Stock Position in ChoiceOne Financial Services, Inc. $COFS - MarketBeat
12/13/2025
Gendell Jeffrey L Cuts Stock Position in ChoiceOne Financial Services, Inc. $COFS MarketBeat
Read more →Showing 2 of 10
(Last Updated 2025-09-30)
Rating:
STRONG BUY
Target Price:
$35.3333
Analyst Picks
Strong Buy
3
Buy
0
Hold
0
Sell
0
Strong Sell
0
(Last Updated 2025-09-30)
Health Score
Price to Earnings Ratio (P/E)
-
Very High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Free Cash Flow - Revenue % (FCF)
-
Very High
Low ≤ 5%
High ≥ 15%
Debt to Equity
-
Very Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 49.53% of the total shares of ChoiceOne Financial Services Inc
1.
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since
2025/06/30
2.
BlackRock Inc(5.7151%)
since
2025/06/30
3.
Vanguard Group Inc(5.3167%)
since
2025/06/30
4.
Vanguard Total Stock Mkt Idx Inv(3.1069%)
since
2025/07/31
5.
AllianceBernstein L.P.(2.3961%)
since
2025/06/30
6.
iShares Russell 2000 ETF(2.218%)
since
2025/08/31
7.
Geode Capital Management, LLC(2.1593%)
since
2025/06/30
8.
State Street Corp(1.5129%)
since
2025/06/30
9.
Manufacturers Life Insurance Co(1.5062%)
since
2025/06/30
10.
ProShare Advisors LLC(1.386%)
since
2025/06/30
11.
ProShares Russell 2000 Dividend Growers(1.3442%)
since
2025/08/29
12.
Jacobs Asset Management, LLC(1.0675%)
since
2025/06/30
13.
Gendell Jeffrey L(0.9893%)
since
2025/06/30
14.
Vanguard Institutional Extnd Mkt Idx Tr(0.9871%)
since
2025/07/31
15.
Fidelity Small Cap Index(0.9537%)
since
2025/06/30
16.
Banc Funds Co LLC(0.902%)
since
2025/06/30
17.
Northern Trust Corp(0.886%)
since
2025/06/30
18.
iShares Russell 2000 Value ETF(0.8514%)
since
2025/08/31
19.
JHancock Regional Bank A(0.6979%)
since
2025/07/31
20.
American Century Companies Inc(0.6612%)
since
2025/06/30
21.
JH Financial Opportunities(0.6541%)
since
2025/07/31
22.
Dimensional Fund Advisors, Inc.(0.6348%)
since
2025/06/30
23.
Morgan Stanley - Brokerage Accounts(0.5534%)
since
2025/06/30
24.
Fidelity Extended Market Index(0.4892%)
since
2025/07/31
25.
Vanguard Russell 2000 ETF(0.455%)
since
2025/07/31
26.
Bridgeway Capital Management, LLC(0.4144%)
since
2025/06/30
27.
Avantis US Small Cap Value ETF(0.3685%)
since
2025/08/30
28.
JPMorgan Chase & Co(0.3598%)
since
2025/06/30
29.
Maltese Capital Management LLC(0.3464%)
since
2025/06/30
30.
Curi Capital, LLC(0.3432%)
since
2025/06/30
31.
State St Russell Sm Cap® Indx SL Cl I(0.3363%)
since
2025/08/31
32.
Mendon Capital Advisors Corp(0.333%)
since
2025/06/30
33.
RMB Mendon Financial Services A(0.333%)
since
2025/07/31
34.
First Trust Dow Jones Sel MicroCap ETF(0.2763%)
since
2025/08/28
35.
EA Bridgeway Omni Small-Cap Value ETF(0.2419%)
since
2025/08/29
36.
Schwab Small Cap Index(0.2401%)
since
2025/07/31
37.
NT R2000 Index Fund - NL(0.2307%)
since
2025/06/30
38.
Kennedy Bank Sector(0.2263%)
since
2025/06/30
39.
iShares Micro-Cap ETF(0.2167%)
since
2025/08/31
40.
US Equity Small Cap Corporate Cl OF(0.2062%)
since
2024/12/31
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
No earnings data available.
(Last Updated 2025-09-30)
(Last Updated 2025-09-30)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2025-09-30)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2025-09-30)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.