ChoiceOne Financial Services, Inc.
COFSNASDAQFinancialsBanks - Regional
As of Oct 23, 2026 close
- Market cap
- $514.12M
- P/E (TTM)
- 9.40
- Forward P/E
- 4.69
- Dividend yield
- 3.40%
- 52-week range
- $26.63$35.40
- Volume (live)
- -
- Avg. volume (3M)
- 85.16K
ChoiceOne Financial Services (COFS) Stock Price & Financial Analysis
ChoiceOne Financial Services Stock Price Chart
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Financial Metrics & Key Statistics
Fundamental metrics, valuation ratios, and profitability indicators
| Day's Range | $33.54 - $34.47 |
|---|---|
| 52-Week High | $35.40 |
| 52-Week Low | $26.63 |
| Open | $33.86 |
| Volume (last close) | 87.72K |
| Average Volume (3M) | 85.16K |
| Revenue (TTM) | 188.56M |
|---|---|
| Net Income (TTM) | 54.72M |
| Free Cash Flow (TTM) | 51.04M |
| EPS (TTM) | $3.64 |
| Profit Margin | 29.02% |
| Operating Margin | 18.62% |
| Return on Equity (ROE) | 11.34% |
| Debt to Equity | 1.28 |
| Annual Dividend | $1.16 |
|---|---|
| Dividend Yield | 3.40% |
| Payout Ratio | 31.89% |
| Last Dividend Ex-Date | Sep 15, 2026 |
| Market Cap | 514.12M |
|---|---|
| Shares Outstanding | 15.01M |
| P/E Ratio (TTM) | 9.40 |
| Forward P/E | 4.69 |
| Price to Sales (P/S) | 2.73 |
| Price to Book (P/B) | 1.07 |
| EV/EBITDA | 173.62 |
| 50-Day MA | $33.32 |
|---|---|
| 200-Day MA | $31.29 |
| 1-Year Change | +24.43% |
Source: Market prices and company fundamentals. Data as of Oct 23, 2026. Data sources and methodology
ChoiceOne Financial Services at a Glance
As of the Oct 23, 2026 close, ChoiceOne Financial Services (COFS) has a market capitalization of $514.12M. The stock trades at 9.4× trailing earnings, 4.7× forward earnings and 2.7× sales. Over the trailing twelve months it earned $54.72M on revenue of $188.56M (a 29.0% profit margin) and generated $51.04M of free cash flow. Revenue grew 22.8% year over year.
As of its latest reported balance sheet, it holds $88.65M in cash and securities against $618.35M of debt, a net debt position of $529.70M.
ChoiceOne Financial Services pays a quarterly dividend totaling $1.16 per share a year, a 3.40% yield at the Oct 23, 2026 close, with a 32% payout ratio and 14 consecutive years of dividend increases.
The share price is up 24.4% over the past year. At $34.26 (the Oct 23, 2026 close) it sits near the top of its 52-week range of $26.63 to $35.40, above its 200-day moving average of $31.29.
Frequently Asked Questions About ChoiceOne Financial Services
What is the current stock price for COFS?
As of the Oct 23, 2026 close, COFS stock trades at $34.26. The 52-week range is $26.63–$35.40, with a day range of $33.54–$34.47.
What is the P/E ratio for COFS?
As of the Oct 23, 2026 close, ChoiceOne Financial Services's trailing twelve-month (TTM) P/E ratio is 9.4, meaning investors pay $9.4 for every $1 of annual earnings. The forward P/E is 4.7, reflecting analyst expectations for future earnings. ChoiceOne Financial Services operates in the Financials sector.
Does COFS pay dividends?
Yes, ChoiceOne Financial Services pays a 3.40% annual dividend yield as of the Oct 23, 2026 close ($1.16 per share a year). The trailing twelve-month payout ratio is 31.9%. The most recent ex-dividend date was September 15, 2026.
What do analysts recommend for COFS?
Analyst ratings and recommendations for COFS are displayed in the Analyst Consensus section, including buy/hold/sell distribution and 12-month price targets.
What is the market cap of COFS?
As of the Oct 23, 2026 close, ChoiceOne Financial Services's market capitalization is $514.1M, classifying it as a small-cap company. ChoiceOne Financial Services operates in the Financials sector within the Banks - Regional industry.