COFS
NASDAQ
US
ChoiceOne Financial Services, Inc. - Common Stock
$28.50
▲ +$0.11
(+0.39%)
Vol 104K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$443.5M
P/E
20.7
ROE
5.5%
Margin
27.9%
D/E
10.76
Beta
0.59
Div Yield
3.93%
52W
$25–$37
Wall Street Consensus
9 analysts · Apr 20262
Strong Buy
5
Buy
2
Hold
0
Sell
0
Strong Sell
77.8%
Buy Rating
Price Chart
Similar Stocks
BSRR
Sierra Bancorp
P/E 11.1
$440.6M
CWBC
Community West Bancshares
P/E 12.7
$431.1M
OBT
Orange County Bancorp Inc
P/E 10.5
$381.6M
BMRC
Bank of Marin Bancorp
P/E 42.4
$418.6M
PDLB
Ponce Financial Group Inc
P/E 18.3
$392.4M
FRBA
FIRST BANK (Hamilton)
P/E 9.9
$413.7M
CZNC
Citizens & Northern Corp
P/E 13.2
$359.1M
Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.92 | $0.92 | +$0.00 |
| Sep 2025 | $0.88 | $0.97 | +$0.09 |
| Jun 2025 | $0.80 | $0.91 | +$0.11 |
| Mar 2025 | $0.80 | $0.86 | +$0.06 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | $25.1M | $24.3M | $31.2M | $42.8M | $44.7M | — |
| Net Income | $7.3M | $7.2M | -$13.9M | $13.5M | $14.7M | — |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 4.1% | 4.1% | 4.1% | 4.1% | 5.5% | 5.5% |
| P/E (TTM) | 30.42 | 31.76 | 30.24 | 30.42 | 21.32 | 20.66 |
| Net Margin | — | 27.9% | 27.9% | 27.9% | 27.9% | 27.9% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 11.18 | 11.18 | 11.18 | 11.18 | 10.76 | 10.76 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.5%
P/S (TTM)
2.34
P/B
1.2
EPS (TTM)
$1.36
CF/Share
$4.65
Rev Growth 3Y
+32.2%
52W High
$36.57
52W Low
$24.89
$24.89
52-Week Range
$36.57
Financial Health
Free Cash Flow
$13.7M
Net Debt
$147.4M
Cash
$99.0M
Total Debt
$246.4M
As of Sep 30, 2025
How does COFS compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
COFS valuation vs Banking peers
P/E ratio
20.7
▲
64%
above
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
2.3
▲
1%
above
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.2
▲
17%
above
peers
(1.1)
vs Peers
vs Industry
Overvalued
Div yield
3.9%
▲
31%
above
peers
(3.0%)
vs Peers
vs Industry
Below avg
COFS profitability vs Banking peers
ROE
5.5%
▼
39%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
27.9%
▼
3%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.6%
▼
42%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
COFS financial health vs Banking peers
D/E ratio
10.8
▼
22%
below
peers
(13.8)
vs Peers
vs Industry
Above avg
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.6
▼
14%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
COFS fundamentals radar
COFS
Peer median
Industry
COFS profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
COFS vs peers: key metrics
Related Signals
Insider Activity
NeutralBuys
0
Sells
0
GREENLAND ADOM J
Officer · Mar 12
500 shs
BURROUGH ERIC E
Director · Mar 11
5000 shs
MCCONNELL GREGORY A
Director · Mar 06
1050 shs
MCGINNIS BRADLEY F
Director · Mar 03
1000 shs
BURKE MICHAEL J JR.
President · Feb 27
250 shs
MCCONNELL GREGORY A
Director · Feb 13
1550 shs
PETTY BRIAN P
Director · Feb 11
15000 shs
KRAUSE STEVEN THEODORE
Director · Feb 09
3125 shs
Last 90 days
Top Holders
Top 5: 38.15%Blackrock Inc.
13.28%
$26.2M
Vanguard Group Inc
11.15%
$22.0M
Alliancebernstein L.P.
4.81%
$9.5M
Geode Capital Management, L…
4.57%
$9.0M
State Street Corporation
4.34%
$8.6M
As of Dec 31, 2025
Dividends
$1.14
/ year
Mar 13, 2026
$0.2900
Dec 15, 2025
$0.2900
Sep 15, 2025
$0.2800
Jun 13, 2025
$0.2800
Mar 14, 2025
$0.2800
Dec 13, 2024
$0.2800
Sep 13, 2024
$0.2700
Jun 14, 2024
$0.2700
Latest News
No related news yet