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ChoiceOne Financial Services, Inc. (COFS)

Financial Services | Banks - Regional | Sparta, United States | NasdaqCM
30.94 USD +1.13 (3.791%) ⇧ (April 17, 2026, 4 p.m. EDT)
After hours: 30.94

Short-term: ★★★☆☆ | Long-term: ★★★☆☆ | Dividends: ★★★★☆
Hot Take | April 11, 2026, 4:13 p.m. EDT

COFS appears to be a stock with moderate momentum, as its recent price movement has been relatively stable, with some upward trends. However, the short-term forecasting model suggests a slight downward trend in the next 45 days, which may indicate a potential pullback. The stock's dividend yield is reasonably high at 3.86%, with consistent payouts over the past few years, indicating a reliable income stream for dividend-focused investors. The long-term fundamentals, including a strong earnings growth rate and positive revenue growth, suggest potential for growth, but the overall risk rating is moderate, indicating caution. The stock's price-to-book ratio is below 1, suggesting it may be undervalued relative to its book value, which could be an opportunity for long-term investors. Overall, COFS is a balanced option with potential for both income and growth, but short-term traders should be cautious of the slight downward trend indicated by the model.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.027874
MSTL0.027907
AutoTheta0.027924
AutoARIMA0.027933

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 54%
H-stat 2.84
Ljung-Box p 0.000
Jarque-Bera p 0.342
Excess Kurtosis -1.06
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-03-12
Last Dividend Date 2026-03-12
Revenue per Share 10.517
Market Cap 463,540,512
Trailing P/E 15.39
Forward P/E 8.44
Beta 0.61
Profit Margins 19.22%
Website https://www.choiceone.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.06% 3.96% 4.14% 4.43%
Dividend History
Date Dividend Yield %
2026-03-13 0.290000 1.064220
2025-12-15 0.290000 0.919856
2025-09-15 0.280000 0.951537
2025-06-13 0.280000 1.022052
2025-03-14 0.280000 1.017767
2024-12-13 0.280000 0.803788
2024-09-13 0.270000 0.952077
2024-06-14 0.270000 1.118482
2024-03-14 0.270000 1.111145
2023-12-14 0.270000 1.010702
2023-09-14 0.260000 1.249662
2023-06-14 0.260000 1.197194
2023-03-14 0.260000 1.110787
2022-12-14 0.260000 1.185116
2022-09-14 0.250000 1.349794
2022-06-14 0.250000 1.446572
2022-03-14 0.250000 1.151162
2021-12-14 0.250000 1.181549
2021-09-14 0.250000 1.216555
2021-06-14 0.220000 1.072617
2021-03-12 0.220000 0.904330
2020-12-14 0.220000 0.889778
2020-09-14 0.200000 0.874407
2020-06-12 0.200000 0.817262
2020-03-12 0.200000 0.910688
2019-12-12 0.200000 0.784235
2019-09-18 0.800000 3.528343
2019-06-13 0.200000 0.930873
2019-03-14 0.200000 1.023108
2018-12-13 0.180000 0.952354
2018-09-13 0.180000 0.886805
2018-06-14 0.180000 0.932210
2018-03-14 0.171429 0.986160
2017-12-14 0.161905 0.999154
2017-09-14 0.161905 1.042019
2017-06-13 0.161905 1.033852
2017-03-13 0.154195 0.989948
2016-12-13 0.154195 0.996598
2016-09-13 0.154195 1.090148
2016-06-13 0.154195 1.098629
2016-03-11 0.154195 1.092318
2015-12-11 0.154195 1.067317
2015-09-11 0.154195 1.094040
2015-06-11 0.154195 1.109626
2015-03-11 0.136054 0.967215
2014-12-11 0.136054 1.010925
2014-09-11 0.136054 1.060925
2014-06-11 0.136054 1.261385
2014-03-12 0.126984 1.257022
2013-12-11 0.126984 1.326024
2013-09-11 0.126984 1.325091
2013-06-12 0.117914 1.232024
2013-03-13 0.117914 1.309991
2012-12-12 0.117914 1.426236
2012-09-12 0.117914 1.346292
2012-06-13 0.108844 1.273790
2012-03-13 0.108844 1.566349
2011-12-13 0.108844 1.926818
2011-09-13 0.108844 1.700541
2011-06-13 0.108844 1.904483
2011-03-11 0.108844 1.823097
2010-12-13 0.108844 1.795120
2010-09-13 0.108844 2.039254
2010-06-11 0.108844 2.345142
2010-03-11 0.108844 2.546606
2009-12-11 0.108844 2.712691
2009-09-11 0.108844 2.751536
2009-06-11 0.108844 3.547223
2009-03-11 0.108844 3.796905
2008-12-11 0.154195 4.116526
2008-09-11 0.154195 3.298746
2008-06-11 0.154195 3.491293
2008-03-12 0.154195 3.165334
2007-12-12 0.154195 3.048725
2007-09-12 0.154195 2.536482
2007-06-13 0.154195 2.235645
2007-03-13 0.154195 2.225049
2006-12-13 0.154195 2.077543
2006-09-13 0.154195 2.080040
2006-06-13 0.154195 2.099872
2006-03-13 0.154195 2.179900
2005-12-13 0.154195 2.027498
2005-09-13 0.154195 1.938667
2005-06-13 0.154195 2.010393
2005-03-11 0.146852 1.797605
2004-12-13 0.146852 1.729079
2004-09-13 0.146852 1.911701
2004-06-14 0.146852 2.023282
2004-03-10 0.146852 2.148263
2003-12-10 0.146852 2.422676
2003-09-11 0.146852 2.600094
Additional Data
dividendRate 1.16
dividendYield 3.75
exDividendDate 2026-03-13
trailingAnnualDividendRate 1.13
trailingAnnualDividendYield 0.037906744
lastDividendValue 0.29
lastDividendDate 2026-03-13
dividendDate 2026-03-31

Info Dump

Attribute Value
52 Week Change 0.17866671
Address1 109 East Division Street
All Time High 38.15
All Time Low 3.854875
Ask 31.09
Ask Size 1
Audit Risk 8
Average Daily Volume10 Day 83,570
Average Daily Volume3 Month 86,312
Average Volume 86,312
Average Volume10Days 83,570
Beta 0.613
Bid 30.82
Bid Size 1
Board Risk 6
Book Value 31.022
City Sparta
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 4
Country United States
Crypto Tradeable 0
Currency USD
Current Price 30.94
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 31.355
Day Low 29.47
Display Name ChoiceOne Financial Services
Dividend Date 1,774,915,200
Dividend Rate 1.16
Dividend Yield 3.75
Earnings Growth 0.153
Earnings Quarterly Growth 0.937
Earnings Timestamp 1,777,033,800
Earnings Timestamp End 1,777,033,800
Earnings Timestamp Start 1,777,033,800
Ebitda Margins 0.0
Enterprise To Revenue 4.66
Enterprise Value 683,208,512
Eps Current Year 3.5
Eps Forward 3.66667
Eps Trailing Twelve Months 2.01
Esg Populated 0
Ex Dividend Date 1,773,360,000
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 28.787
Fifty Day Average Change 2.1529999
Fifty Day Average Change Percent 0.0747907
Fifty Two Week Change Percent 17.86667
Fifty Two Week High 35.4
Fifty Two Week High Change -4.460001
Fifty Two Week High Change Percent -0.12598872
Fifty Two Week Low 25.55
Fifty Two Week Low Change 5.3900013
Fifty Two Week Low Change Percent 0.21095896
Fifty Two Week Range 25.55 - 35.4
Financial Currency USD
First Trade Date Milliseconds 993,130,200,000
Five Year Avg Dividend Yield 3.92
Float Shares 13,721,638
Forward Eps 3.66667
Forward P E 8.438174
Full Exchange Name NasdaqCM
Full Time Employees 505
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,775,001,600
Gross Margins 0.0
Gross Profits 146,620,000
Has Pre Post Market Data 1
Held Percent Insiders 0.06498
Held Percent Institutions 0.41245997
Implied Shares Outstanding 14,981,917
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,773,360,000
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 463,540,512
Market State CLOSED
Max Age 86,400
Message Board Id finmb_3470387
Most Recent Quarter 1,767,139,200
Net Income To Common 28,176,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 462,467,873
Number Of Analyst Opinions 3
Open 30.19
Operating Cashflow 31,814,000
Operating Margins 0.44958
Overall Risk 5
Payout Ratio 0.5622
Peg Ratio -1.29
Phone 616 887 7366
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 30.94
Post Market Time 1,776,456,275
Previous Close 29.81
Price Eps Current Year 8.84
Price Hint 2
Price To Book 0.9973568
Price To Sales Trailing12 Months 3.1615095
Profit Margins 0.19217
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 1.13
Regular Market Change Percent 3.79068
Regular Market Day High 31.355
Regular Market Day Low 29.47
Regular Market Day Range 29.47 - 31.355
Regular Market Open 30.19
Regular Market Previous Close 29.81
Regular Market Price 30.94
Regular Market Time 1,776,456,001
Regular Market Volume 122,623
Return On Assets 0.007900001
Return On Equity 0.07764
Revenue Growth 0.797
Revenue Per Share 10.517
Sand P52 Week Change 0.38150132
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 5
Shares Outstanding 14,956,917
Shares Percent Shares Out 0.0155
Shares Short 232,031
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 113,635
Short Name ChoiceOne Financial Services, I
Short Percent Of Float 0.0162
Short Ratio 2.91
Source Interval 15
State MI
Symbol COFS
Target High Price 36.0
Target Low Price 31.0
Target Mean Price 33.0
Target Median Price 32.0
Total Cash 98,249,000
Total Cash Per Share 6.558
Total Debt 317,916,992
Total Revenue 146,620,000
Tradeable 0
Trailing Annual Dividend Rate 1.13
Trailing Annual Dividend Yield 0.037906744
Trailing Eps 2.01
Trailing P E 15.393035
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 29.38355
Two Hundred Day Average Change 1.5564499
Two Hundred Day Average Change Percent 0.052970108
Type Disp Equity
Volume 122,623
Website https://www.choiceone.bank
Zip 49,345