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ChoiceOne Financial Services, Inc. (COFS)

Financial Services | Banks - Regional | Sparta, United States | NasdaqCM
33.30 USD +0.32 (0.970%) ⇧ (July 13, 2026, 4 p.m. EDT)

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take | July 11, 2026, 5:28 a.m. EDT

The investment case here is built on a rare convergence of deep value and accelerating growth. Fundamentally, the company trades at a discount to book value (P/B under 1.0x) with a low P/E, yet it is delivering explosive top-line expansion, with revenue surging 135% year-over-year. This growth is supported by a healthy return on equity of roughly 12.4%, indicating efficient capital deployment. While the statistical forecasting model suggests a slight negative lean for the immediate future due to short-term price noise, this weak signal does not outweigh the robust underlying business trajectory. The stock has successfully navigated a multi-year period of volatility, ending the last decade with a significant net gain and no recent consecutive years of decline, signaling a stabilization in market sentiment. On the income side, the yield is attractive at roughly 3.5%, though the payout ratio sits comfortably at 27%, suggesting the dividend is sustainable but not yet a primary driver of the total return story. The consensus view leans toward buying, reflecting the belief that the current price fails to account for the quality of the growth being delivered.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.040431
AutoARIMA0.041086
MSTL0.042168
AutoTheta0.043000

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 44%
H-stat 16.58
Ljung-Box p 0.000
Jarque-Bera p 0.504
Excess Kurtosis -0.49
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-14
Last Dividend Date 2026-06-14
Revenue per Share 11.385
Market Cap 498,668,640
Trailing P/E 7.89
Forward P/E 9.04
Beta 0.62
Profit Margins 32.62%
Website https://www.choiceone.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.91% 3.82% 3.87% 4.02%
Dividend History
Date Dividend Yield %
2026-06-15 0.290000 0.908237
2026-03-13 0.290000 1.064220
2025-12-15 0.290000 0.910232
2025-09-15 0.280000 0.933022
2025-06-13 0.280000 0.992908
2025-03-14 0.280000 0.979363
2024-12-13 0.280000 0.765864
2024-09-13 0.270000 0.900300
2024-06-14 0.270000 1.048137
2024-03-14 0.270000 1.030534
2023-12-14 0.270000 0.927835
2023-09-14 0.260000 1.136860
2023-06-14 0.260000 1.076605
2023-03-14 0.260000 0.988217
2022-12-14 0.260000 1.044177
2022-09-14 0.250000 1.177024
2022-06-14 0.250000 1.246883
2022-03-14 0.250000 0.980008
2021-12-14 0.250000 0.996016
2021-09-14 0.250000 1.015435
2021-06-14 0.220000 0.886382
2021-03-12 0.220000 0.740741
2020-12-14 0.220000 0.723446
2020-09-14 0.200000 0.705965
2020-06-12 0.200000 0.655093
2020-03-12 0.200000 0.725163
2019-12-12 0.200000 0.620155
2019-09-18 0.800000 2.772964
2019-06-13 0.200000 0.711744
2019-03-14 0.200000 0.776699
2018-12-13 0.180000 0.717131
2018-09-13 0.180000 0.662983
2018-06-14 0.180000 0.692308
2018-03-14 0.171429 0.727275
2017-12-14 0.161905 0.731498
2017-09-14 0.161905 0.757239
2017-06-13 0.161905 0.745615
2017-03-13 0.154195 0.708629
2016-12-13 0.154195 0.708333
2016-09-13 0.154195 0.769231
2016-06-13 0.154195 0.769231
2016-03-11 0.154195 0.758929
2015-12-11 0.154195 0.735931
2015-09-11 0.154195 0.748899
2015-06-11 0.154195 0.753880
2015-03-11 0.136054 0.652172
2014-12-11 0.136054 0.677199
2014-09-11 0.136054 0.705880
2014-06-11 0.136054 0.833331
2014-03-12 0.126984 0.823529
2013-12-11 0.126984 0.861538
2013-09-11 0.126984 0.853658
2013-06-12 0.117914 0.786926
2013-03-13 0.117914 0.830142
2012-12-12 0.117914 0.896553
2012-09-12 0.117914 0.838711
2012-06-13 0.108844 0.786889
2012-03-13 0.108844 0.960004
2011-12-13 0.108844 1.169596
2011-09-13 0.108844 1.021281
2011-06-13 0.108844 1.132080
2011-03-11 0.108844 1.071433
2010-12-13 0.108844 1.043483
2010-09-13 0.108844 1.173026
2010-06-11 0.108844 1.333339
2010-03-11 0.108844 1.428577
2009-12-11 0.108844 1.500006
2009-09-11 0.108844 1.500006
2009-06-11 0.108844 1.904770
2009-03-11 0.108844 2.000009
2008-12-11 0.154195 2.125000
2008-09-11 0.154195 1.666666
2008-06-11 0.154195 1.734694
2008-03-12 0.154195 1.545455
2007-12-12 0.154195 1.465517
2007-09-12 0.154195 1.201413
2007-06-13 0.154195 1.046154
2007-03-13 0.154195 1.030303
2006-12-13 0.154195 0.952381
2006-09-13 0.154195 0.944444
2006-06-13 0.154195 0.944444
2006-03-13 0.154195 0.971428
2005-12-13 0.154195 0.894737
2005-09-13 0.154195 0.847880
2005-06-13 0.154195 0.871795
2005-03-11 0.146852 0.772725
2004-12-13 0.146852 0.737525
2004-09-13 0.146852 0.809522
2004-06-14 0.146852 0.849998
2004-03-10 0.146852 0.894734
2003-12-10 0.146852 0.999997
2003-09-11 0.146852 1.062497
Additional Data
dividendRate 1.16
dividendYield 3.52
exDividendDate 2026-06-15
trailingAnnualDividendRate 1.14
trailingAnnualDividendYield 0.034566402
lastDividendValue 0.29
lastDividendDate 2026-06-15
dividendDate 2026-06-30

Info Dump

Attribute Value
52 Week Change 0.10301006
Address1 109 East Division Street
All Time High 38.15
All Time Low 3.854875
Ask 42.31
Ask Size 2
Audit Risk 9
Average Analyst Rating 1.7 - Buy
Average Daily Volume10 Day 135,400
Average Daily Volume3 Month 87,981
Average Volume 87,981
Average Volume10Days 135,400
Beta 0.619
Bid 23.62
Bid Size 2
Board Risk 5
Book Value 31.417
City Sparta
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 33.3
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 33.32
Day Low 32.94
Display Name ChoiceOne Financial Services
Dividend Date 1,782,777,600
Dividend Rate 1.16
Dividend Yield 3.52
Earnings Timestamp 1,784,896,200
Earnings Timestamp End 1,784,896,200
Earnings Timestamp Start 1,784,896,200
Ebitda Margins 0.0
Enterprise To Revenue 3.786
Enterprise Value 647,420,672
Eps Current Year 3.60667
Eps Forward 3.68333
Eps Trailing Twelve Months 4.22
Esg Populated 0
Ex Dividend Date 1,781,481,600
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 31.8386
Fifty Day Average Change 1.4613991
Fifty Day Average Change Percent 0.04590023
Fifty Two Week Change Percent 10.301006
Fifty Two Week High 35.4
Fifty Two Week High Change -2.1000023
Fifty Two Week High Change Percent -0.059322096
Fifty Two Week Low 26.1
Fifty Two Week Low Change 7.199999
Fifty Two Week Low Change Percent 0.275862
Fifty Two Week Range 26.1 - 35.4
Financial Currency USD
First Trade Date Milliseconds 993,130,200,000
Five Year Avg Dividend Yield 3.93
Float Shares 13,699,911
Forward Eps 3.68333
Forward P E 9.040731
Full Exchange Name NasdaqCM
Full Time Employees 561
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 171,007,008
Has Pre Post Market Data 1
Held Percent Insiders 0.06553
Held Percent Institutions 0.46179
Implied Shares Outstanding 14,975,035
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,781,481,600
Last Dividend Value 0.29
Last Fiscal Year End 1,767,139,200
Last Split Date 1,525,824,000
Last Split Factor 105:100
Long Business Summary ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers 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. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
Long Name ChoiceOne Financial Services, Inc.
Market us_market
Market Cap 498,668,640
Market State PRE
Max Age 86,400
Message Board Id finmb_3470387
Most Recent Quarter 1,774,915,200
Net Income To Common 55,786,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 493,876,654
Number Of Analyst Opinions 3
Open 32.94
Operating Cashflow 41,030,000
Operating Margins 0.44599998
Overall Risk 5
Payout Ratio 0.2701
Peg Ratio -1.29
Phone 616 887 7366
Pre Market Change 0.10000229
Pre Market Change Percent 0.30030718
Pre Market Price 33.4
Pre Market Time 1,784,016,274
Previous Close 32.98
Price Eps Current Year 9.232894
Price Hint 2
Price To Book 1.0599357
Price To Sales Trailing12 Months 2.9160714
Profit Margins 0.32622
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 1.66667
Region US
Regular Market Change 0.32
Regular Market Change Percent 0.970284
Regular Market Day High 33.32
Regular Market Day Low 32.94
Regular Market Day Range 32.94 - 33.32
Regular Market Open 32.94
Regular Market Previous Close 32.98
Regular Market Price 33.3
Regular Market Time 1,783,972,801
Regular Market Volume 103,780
Return On Assets 0.01282
Return On Equity 0.12437
Revenue Growth 1.35
Revenue Per Share 11.385
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 14,975,035
Shares Percent Shares Out 0.0221
Shares Short 330,661
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 220,894
Short Name ChoiceOne Financial Services, I
Short Percent Of Float 0.0231
Short Ratio 2.81
Source Interval 15
State MI
Symbol COFS
Target High Price 36.0
Target Low Price 32.0
Target Mean Price 34.33333
Target Median Price 35.0
Total Cash 85,746,000
Total Cash Per Share 5.726
Total Debt 234,498,000
Total Revenue 171,007,008
Tradeable 0
Trailing Annual Dividend Rate 1.14
Trailing Annual Dividend Yield 0.034566402
Trailing Eps 4.22
Trailing P E 7.8909955
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 29.8849
Two Hundred Day Average Change 3.4151
Two Hundred Day Average Change Percent 0.114275105
Type Disp Equity
Volume 103,780
Website https://www.choiceone.bank
Zip 49,345