COFS Company Profile and Key Details

Q: Who are the executives of COFS?

Mr. Michael J. Burke Jr.Pres & DirectorMr. Lee A. BrafordSenior Vice President & Chief Credit Officer of ChoiceOne BankMs. Heather D. BrolickSenior Vice President of HR of ChoiceOne BankMr. Kelly J. Potes CFPChief Executive Officer & DirectorMr. Peter BatistoniSenior Vice President & Sr. Lender of ChoiceOne BankMs. Shelly M. ChildersSenior Vice President & Chief Information OfficerMr. Adom J. GreenlandChief Financial Officer, Senior Vice President, Sec. & TreasurerMr. Daniel C. WheatMortgage Loan OriginatorMr. Bradley A. HenionExecutive Vice President & Chief Lending Officer of ChoiceOne Bank

NASDAQ : COFS

ChoiceOne Financial Services

$31.87

0.43+1.37%

At Close 4:00 PM

72.97

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

ChoiceOne Financial Services, Inc. (COFS) stock declined over -1.16%, trading at $31.50 on NASDAQ, down from the previous close of $31.87. The stock opened at $31.85, fluctuating between $31.37 and $32.22 in the recent session.

Stock Snapshot

31.87

Prev. Close

471.71M

Market Cap

31.365

Day Low

7.46

P/E Ratio

4.22

EPS (TTM)

4.96

Cash Flow per Share

31.85

Open

14.98M

Number of Shares

32.22

Day High

84.21%

Free Float in %

25.87

Book Value

51.62K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
May 26, 2026	31.54	32.09	31.45	31.87	92.72K
May 22, 2026	31.63	31.82	30.39	31.44	101.38K
May 21, 2026	31.15	31.71	30.97	31.61	100.44K
May 20, 2026	30.88	31.50	30.31	31.35	85.18K
May 19, 2026	30.70	30.90	30.52	30.88	55.35K
May 18, 2026	30.50	30.86	30.50	30.84	52.22K
May 15, 2026	30.21	30.31	29.89	30.27	74.42K
May 14, 2026	30.63	30.85	30.26	30.46	45.27K
May 13, 2026	30.63	30.82	30.24	30.42	45.88K
May 12, 2026	30.83	31.10	30.35	30.87	53.05K
May 11, 2026	31.48	31.51	30.85	30.94	40.09K
May 08, 2026	31.41	31.71	31.06	31.48	53.45K
May 07, 2026	31.32	31.83	31.32	31.50	72.17K
May 06, 2026	31.03	31.44	30.85	31.16	78.72K
May 05, 2026	30.29	31.11	30.29	30.85	53.47K
May 04, 2026	30.42	30.90	30.11	30.23	76.48K
Apr 30, 2026	29.78	30.52	29.67	30.03	61.13K
Apr 29, 2026	30.48	30.74	29.99	30.07	42.81K
Apr 28, 2026	30.32	31.17	30.32	30.73	71.85K
Apr 27, 2026	30.81	31.12	30.07	30.15	51.24K

Contact Details

Sparta, MI 49345

United States

https://www.choiceone.com 616 887 7366

About Company

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, and demand deposits, safe deposit, and automated transaction machine services. 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 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

Stock Peers

FCNCA

5.37+0.27%

First Citizens BancShares, Inc.$1,996.92 HIFS

1.75+0.61%

Hingham Institution for Savings$286.62 CATC

Cambridge Bancorp$220.00 BPOP

1.62+1.08%

Popular, Inc.$152.12 WTFC

1.52+1.01%

Wintrust Financial Corporation$151.41 BFC

-0.02-0.01%

Bank First Corporation$141.85 UMBF

3.18+2.42%

UMB Financial Corporation$134.39 BOKF

1.685+1.29%

BOK Financial Corporation$132.43 NBN

3.14+2.54%

Northeast Bank$126.64 CHCO

0.595+0.48%

City Holding Company$125.23

Company Overview

ChoiceOne Financial Services, Inc. (NASDAQ:COFS) closed at $31.50 USD, losing -$0.37 (-1.16%) from the previous close of $31.87. The stock is currently mid-range between its 52-week high and low $26.10 and $35.40. With a market capitalization of about $471.71 million, ChoiceOne Financial Services, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.62). Key stats such as the average daily volume over the past year has been around 76.75 thousand shares, volume is running light vs its 52-week average. Headquartered in Sparta, MI, ChoiceOne Financial Services, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Kelly J. Potes, the company employs approximately 605 people and listed since June 21, 2001. 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.

Technical Performance

Short-term trend indicators are bullishly aligned (SMA20 0.27%, SMA50 0.12%, SMA200 0.01%). The stock’s 14-day RSI is 51.99 (neutral), while the ATR of 0.98 points to higher daily volatility. The stock remains sitting in the mid-range of its 52-week band, trading -12.09% below its high and over 18.6% above its low. Average 10-day trading volume of 81.21 thousand shares is in line with the 3-month average of 74.77 thousand, indicating normal recent market interest.

Valuation Metrics

ChoiceOne Financial Services, Inc. trades at a P/E ratio of 8.47, slightly below the S&P 500 average, with a price-to-sales ratio of 1.95 and a price-to-book ratio of 1.01 suggesting the stock is closer to book value. The P/FCF stands at 15.3, also below market averages.

Dividend & Fair Value

ChoiceOne Financial Services, Inc. last paid a dividend of 1.14 per share, this equals a trailing yield of roughly 3.6%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $83.78. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

ChoiceOne Financial Services, Inc. generated EPS of $1.49 over the past year. Five-year average earnings growth is -0.62%. Analyst sentiment is bullish. Analyst rating data shows there are 0 Strong Buy ratings, 2 Buy ratings, 0 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $36.00 to $34.00. The high target offers 12.96% upside. The low target suggests 6.68% downside. The mean target is $35.00. This offers 9.82% upside. ChoiceOne Financial Services, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended April 24, 2026, missed forecasts by 7.06%. The prior quarter beat by 1.1%. Over the last six quarters, Apple has recorded several small beats. These include 1.22% in January 22, 2025.

Shareholding & Insider Activity

ChoiceOne Financial Services, Inc. has 15.02 million shares outstanding. The public float is 12.64 million shares, elevated short interest at 2.03% of float. This equals 286.68 thousand shares. The short ratio is 4.56 days. Institutional investors hold 44.51% of the float. Insiders own 6.23%. Essex Bruce John Jr holds 248.81 thousand shares, Burrough Eric E has 180.40 thousand shares and PETTY BRIAN P has 91.11 thousand shares. Over the past six months, insider transactions show net buying. They sold 15.00 thousand shares across 1 transactions.

Financial & Profitability Overview

Over the trailing twelve months, ChoiceOne Financial Services generated $114.13M in revenue, or $15.07 per share. Gross margin was 100.00%, operating margin -2.17%, and net profit margin 18.63%. Returns are modest, with ROA at 0.82% and ROE at 10.87%.
On valuation metrics, ChoiceOne Financial Services trades at a P/E of 8.47, P/S of 1.95 and P/B of 1.01. Liquidity is tight, with a current ratio of 0.52 and quick ratio of 0.52. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 3.47 days. Debt-to-equity is 0.50, supported by a cash flow-to-debt ratio of 0.16.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, ChoiceOne Financial Services posted revenue of $114.13M, down slightly from $81.39M in the prior quarter. Gross profit was $114.13M (margin 100.00%). Operating income was - $2.48M (margin -2.2%). Net income was$21.26M (EPS $2.82).
The company ended the quarter with - $55.43M in cash and short-term investments, a total debt of $236.22M, and net debt of $180.78M. Total assets were $2.60B, with equity of $195.63M. Financials further reflected stability, with operating cash flow of $45.23M, free cash flow of $40.99M, and capital expenditures of - $4.23M.

Price Forecast & Outlook

Our AI price prediction model suggests that ChoiceOne Financial Services, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 1.13%, with price expected at $32.23 by June 09, 2026, within a range of $31.73 to $32.77 3-Month Outlook: Projected rise of 58.99%, reaching $50.67 by August 24, 2026, with a range of $48.35 to $53.23. 1-Year Outlook: Projected gain of 9.07%, with price at $34.76 by May 26, 2027, within a range of $33.54 to $35.86.

Key Takeaways

ChoiceOne Financial Services, Inc. (NASDAQ:COFS) shares are flat -4.78% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows ChoiceOne Financial Services, Inc. trading at a premium to the broader market with a P/E of 8.47. Analyst sentiment is bullish, with the majority of ratings in Buy territory and a mean price target of $33.25, suggesting 4.33% upside. Our AI forecast model points to short-term strength (1.13% over two weeks), a medium-term rise (58.99% over three months), and a longer-term gain (9.07% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current ChoiceOne Financial Services, Inc. (COFS) stock price?

ChoiceOne Financial Services, Inc. (NASDAQ: COFS) stock price is $31.50 in the last trading session. During the trading session, COFS stock reached the peak price of $32.22 while $31.37 was the lowest point it dropped to. The percentage change in COFS stock occurred in the recent session was -1.16% while the dollar amount for the price change in COFS stock was - $0.37.

COFS's industry and sector of operation?

The NASDAQ listed COFS is part of Banks - Regional industry that operates in the broader Financial Services sector. ChoiceOne Financial Services, Inc. designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of COFS?

Mr. Michael J. Burke Jr.
Pres & Director
Mr. Lee A. Braford
Senior Vice President & Chief Credit Officer of ChoiceOne Bank
Ms. Heather D. Brolick
Senior Vice President of HR of ChoiceOne Bank
Mr. Kelly J. Potes CFP
Chief Executive Officer & Director
Mr. Peter Batistoni
Senior Vice President & Sr. Lender of ChoiceOne Bank
Ms. Shelly M. Childers
Senior Vice President & Chief Information Officer
Mr. Adom J. Greenland
Chief Financial Officer, Senior Vice President, Sec. & Treasurer
Mr. Daniel C. Wheat
Mortgage Loan Originator
Mr. Bradley A. Henion
Executive Vice President & Chief Lending Officer of ChoiceOne Bank

How COFS did perform over past 52-week?

COFS's closing price is 22.11% higher than its 52-week low of $26.10 where as its distance from 52-week high of $35.40 is -9.97%.

How many employees does COFS have?

Number of COFS employees currently stands at 605.

Link for COFS official website?

Official Website of COFS is: https://www.choiceone.com

How do I contact COFS?

COFS could be contacted at phone 616 887 7366 and can also be accessed through its website. COFS operates from 109 East Division Street, Sparta, MI 49345, United States.

How many shares of COFS are traded daily?

COFS stock volume for the day was 51.62K shares. The average number of COFS shares traded daily for last 3 months was 76.75K.

What is the market cap of COFS currently?

The market value of COFS currently stands at $471.71M with its latest stock price at $31.50 and 14.98M of its shares outstanding.

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Employees	605
Beta	0.61
Sales or Revenue	$114.13M
5Y Sales Change%	0.744%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Banks - Regional

COFS Company Profile and Key Details

ChoiceOne Financial Services

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Technical Performance

Company Overview

Dividend & Fair Value

Shareholding & Insider Activity

Earnings & Analyst Outlook

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Valuation Metrics