ChoiceOne Financial Services, Inc. (COFS) Stock Price & Analysis
ChoiceOne Financial Services, Inc. (COFS) closed at USD 34.41 on Wednesday, October 28, 2026, down 0.89% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 34.41; the Oct 28, 2026 session ranged USD 33.59–34.9 on volume of 112,345 shares. Market capitalization is —, with a 52-week range of USD 26.63–35.4 (NCM). Source: Nexqual, retrieved October 29, 2026 at 07:33 UTC.
Also available as compact Markdown for AI agents: nexqual.com/COFS.md
Key facts (COFS)
- Last four reported quarters (through Jun 30, 2026): revenue $206M, net income $54.7M (26.6% margin) (SEC filings).
- Valuation: P/E 9.4x (avg 12.0x at the last 3 fiscal year-ends).
- Analysts: Buy (mean 2.33 on a 1–5 scale) (3 analysts), mean target USD 37 (range 35–38).
- Total return with dividends: 1Y +23.1% vs S&P 500 +13.6%; 5Y +66.1% vs S&P 500 +79.8%.
- Next earnings: 2026-10-30, EPS estimate USD 0.93, revenue estimate $44.5M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (COFS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $79.8M | $89.1M | $114M | $139M | $228M | $206M |
| Net income | $22.0M | $23.6M | $21.3M | $26.7M | $28.2M | $54.7M |
| EPS (diluted) | $2.86 | $3.15 | $2.82 | $3.25 | $2.01 | — |
| Free cash flow | $34.9M | $43.2M | $42.1M | $45.4M | $25.2M | $51.0M |
| Net margin | 27.6% | 26.5% | 18.7% | 19.2% | 12.4% | 26.6% |
| Revenue growth | +8.2% | +11.6% | +27.8% | +22.1% | +63.6% | — |
| Cash + short-term investments | $31.9M | $43.9M | $55.4M | $96.8M | $88.0M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (COFS)
P/E 9.4x · P/S 2.5x · P/FCF 10.1x · P/B 1.1x · FCF yield 9.92% · Earnings yield 10.63% · Dividend yield (paid, TTM) 3.35%
P/E at fiscal year-ends: Dec 2025 14.7x, Dec 2024 11.0x, Dec 2023 10.4x.
Analysts (COFS)
Consensus Buy (mean 2.33 on a 1–5 scale), 3 analysts; mean target USD 37 (low 35, high 38).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-28 | DA Davidson | Target raised | Buy | $36 → $38 |
Total return (dividends reinvested) (COFS)
| 1Y (from 2025-10-29) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +23.1% | +66.1% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | +23.2% | +10.7% |
| Volatility (annualized) | 23.9% | 31.7% |
| Max drawdown | -15.3% (Dec 2025→Mar 2026) | -41.7% (Dec 2022→Oct 2023) |
COFS earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| — | Quarter ended Jun 30, 2026 | $0.83 | $0.88 | Miss −5.7% | — |
| — | Quarter ended Mar 31, 2026 | $0.91 | $0.85 | Beat +7.1% | — |
| — | Quarter ended Dec 31, 2025 | $0.92 | $0.90 | Beat +2.2% | — |
| — | Quarter ended Sep 30, 2025 | $0.97 | $0.86 | Beat +12.8% | — |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
COFS recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 10, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Jul 24, 2026 | 8-K | Quarterly results |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
COFS revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Interchange Income | $2.1M | 39.4% | +2.7% |
| Customer Service Charges | $1.7M | 32.1% | +24.6% |
| Insurance & Investment Commission Income | $720,000 | 13.3% | +33.3% |
| Trust Fee Income | $671,000 | 12.4% | +12.6% |
| Other Charges & Fees For Customer Services | $155,000 | 2.9% | -21.7% |
| Total revenue | $5.4M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
COFS company outlook (results filed Jul 24, 2026)
- “ChoiceOne expects to open a full service branch and lending office in Troy, MI later in 2026.”
Quoted word-for-word from the SEC 8-K results press release.
COFS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.93 | $0.90 | +2.6% | $44.5M | 3 |
| Next quarter (ends Dec 2026) | $0.93 | $0.90 | +2.6% | $44.9M | 3 |
| Current fiscal year (ends Dec 2026) | $3.67 | $3.61 | +1.7% | $174.8M | 3 |
| Next fiscal year (ends Dec 2027) | $3.72 | $3.68 | +1.1% | $181.3M | 3 |
Key Statistics (as of October 29, 2026 at 07:33 UTC)
| Price | USD 34.41 |
|---|---|
| Change | ▼ 0.89% (down) |
| Previous Close | USD 34.41 |
| Open | USD 34.41 |
| Day Range | USD 33.59 – 34.9 |
| 52-Week Range | USD 26.63 – 35.4 |
| Volume | 112,345 shares |
| Market Cap | — |
| Exchange | NCM |
Technical Analysis (COFS)
Nexqual's technical model rates COFS "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 29, 2026 at 07:33 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 59.56 (neutral) |
| vs SMA50 | Above (USD 33.32) |
| MACD | 0.33 (positive) |
Analyst Ratings (COFS)
Wall Street analysts rate COFS "Buy" based on 3 analysts, with a mean price target of USD 37 (range USD 35–38), per Nexqual as of October 29, 2026 at 07:33 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 37 |
| High Target | USD 38 |
| Low Target | USD 35 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (COFS)
| Next Earnings Date | 2026-10-30 |
|---|---|
| EPS Estimate | USD 0.93 |
| Revenue Estimate | $44.50M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.83 vs est 0.88 ▼ miss |
| 2026-03-31 | USD 0.91 vs est 0.85 ▲ beat |
| 2025-12-31 | USD 0.92 vs est 0.9 ▲ beat |
| 2025-09-30 | USD 0.97 vs est 0.86 ▲ beat |
Source: Nexqual, October 29, 2026 at 07:33 UTC.
Financials & Fundamentals (COFS)
| Total Revenue | $169.92M |
|---|---|
| Revenue Growth (latest quarter, YoY) | -2.60% |
| Gross Margin | +0.00% |
| Operating Margin | +41.75% |
| Profit Margin | +32.20% |
| ROE | +11.97% |
| Total Cash | $90.18M |
| Total Debt | $344.34M |
Source: Nexqual, October 29, 2026 at 07:33 UTC.
Financial Health Score (COFS)
Nexqual rates ChoiceOne Financial Services, Inc.'s overall financial health "Solid" across five dimensions, as of October 29, 2026 at 07:33 UTC.
| Growth | Strong — Revenue +75% YoY (annual) |
|---|---|
| Profitability | Strong — Net margin 27% (last 12 months); banks have no gross margin |
| Balance Sheet | N/A — Not comparable for banks: deposits and customer funds sit on the balance sheet, so cash vs debt does not measure safety (SEC industry: State Commercial Banks) |
| Cash Flow | N/A — Not meaningful for banks and lenders: lending and trading move operating cash flow by billions each year (SEC industry: State Commercial Banks) |
| Efficiency | Mixed — ROE 11%, ROA 1.2% (last 4 quarters, SEC) |
Ownership (COFS)
| Insider Ownership | +6.58% |
|---|---|
| Institutional Ownership | +48.52% |
| Shares Outstanding | 14.96M |
| Float | 13.70M |
| Short % of Float | +3.63% |
Source: Nexqual, October 29, 2026 at 07:33 UTC.
Leadership (COFS)
ChoiceOne Financial Services, Inc. is led by Kelly J. Potes CFP, CEO & Director, per Nexqual as of October 29, 2026 at 07:33 UTC.
| CEO & Director | Kelly J. Potes CFP |
|---|---|
| President & Director | Michael J. Burke |
| CFO, Executive VP, Secretary & Treasurer | Adom J. Greenland |
| Vice President of Marketing | Danielle Chateauvert |
Major Backers & Investors (COFS)
Notable institutional backers of ChoiceOne Financial Services, Inc. include Alliancebernstein L.P., American Century ETF Trust-Avantis U.S. Small Cap Value ETF, Hotchkis & Wiley Capital Management, LLC, according to Nexqual as of October 29, 2026 at 07:33 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Alliancebernstein L.P. | 4.73% |
| American Century ETF Trust-Avantis U.S. Small Cap Value ETF | 3.65% |
| Hotchkis & Wiley Capital Management, LLC | 3.14% |
| Manufacturers Life Insurance Co. | 3.03% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 15% |
| Northern Trust | 9.33% |
| Vanguard Group | 8.61% |
| State Street | 6.17% |
| Geode Capital | 5.26% |
| Dimensional Fund Advisors | 3.98% |
Source: Nexqual, October 29, 2026 at 07:33 UTC.
Legal & Regulatory Risks from ChoiceOne Financial Services, Inc.'s Latest 10-K (filed 2026-03-13)
- We are subject to significant government regulation, and any regulatory changes may adversely affect us.
- The Company may be a defendant in a variety of litigation and other actions, which may have a material adverse effect on the Company's financial condition and results of operations.
Source: SEC EDGAR 10-K, Item 1A, official filing.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FITB | Fifth Third Bancorp | USD 53.47 | ▼ 0.22% |
| NU | Nu Holdings Ltd. | USD 11.97 | ▼ 3.47% |
| TFC | Truist Financial Corporation | USD 48.42 | ▼ 0.25% |
| DB | Deutsche Bank AG | USD 33.51 | ▲ 4.33% |
| NWG | NatWest Group plc | USD 17.23 | ▲ 2.13% |
| LYG | Lloyds Banking Group Plc | USD 5.5 | ▲ 1.85% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 07:33 UTC. This page is informational and not investment advice.
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