CHOICEONE FINANCIAL (COFS)
Nasdaq Market Closed
ChoiceOne Financial Services, Inc. is the holding company for ChoiceOne Bank, a community-focused financial institution serving customers in Michigan. The company provides a traditional range of banking products for individuals, small businesses, agricultural customers, and local organisations. Its services include checking and savings accounts, time deposits, commercial and consumer lending, mortgage and real estate loans, treasury management, safe deposit services, and access through branches, ATMs, and digital banking channels.
The bank’s footprint is concentrated in western and southeastern Michigan, including markets such as Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. This local orientation shapes its business model: ChoiceOne competes by maintaining community relationships, making loans to regional borrowers, and gathering deposits from households and businesses in the areas where it operates.
ChoiceOne’s loan portfolio spans commercial and industrial lending, agricultural finance, construction loans, inventory financing, consumer credit, and real estate-backed borrowing. Like other community banks, its performance is influenced by local economic conditions, credit quality, deposit costs, loan demand, interest rates, and the competitive landscape for financial services.
The company’s appeal lies in its role as a regional banking provider rather than a national financial conglomerate. It focuses on relationship banking, local decision-making, and a broad but conventional product set. For investors following COFS, the key considerations include balance sheet strength, net interest margin trends, asset quality, and the stability of deposits across its Michigan markets.
Last updated
- Market Cap
- 477.25M
- P/E
- 8.56
- P/FCF
- 15.5
- P/S
- 1.97
- Enterprise Value
- 626.76M
- Sector
- Financials
- Industry
- State Commercial Banks
- Address
- 109 E DIVISION, SPARTA, MI, 49345-0186
No recent news is linked to this listing.
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 477.25M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- 626.76M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- 8.56
- P/B
P/B ratio compares a company's share price to its book value per share.
- 1.02
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 1.97
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 9.13
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- 2.59
- EPS
- 3.73
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 3.58%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- 15.5
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- 12.52
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- 30.79M
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- 11.87%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- 1.27%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0.5
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- —
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- —
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- —
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 83.66K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 31.87
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 59.09M | 60.47M | 61.84M | 60.43M | 44.88M |
| Gross profit | 42.46M | 42.94M | 44.74M | 42.83M | 31.23M |
| Operating income | 16.68M | 16.79M | 18.33M | 16.67M | -17.6M |
| EBITDA | 16.68M | 16.79M | 18.33M | 16.84M | -392K |
| Net income | 13.7M | 13.87M | 14.68M | 13.53M | -13.91M |
| Basic EPS | 0.91 | 0.97 | 0.98 | 0.9 | -1.3 |
| Diluted EPS | 0.91 | 0.96 | 0.97 | 0.9 | -1.29 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 4.39B | 4.41B | 4.3B | 4.31B | 4.31B |
| Total liabilities | 3.92B | 3.95B | 3.85B | 3.88B | 3.88B |
| Total equity | 470M | 465.35M | 449.62M | 431.76M | 427.07M |
| Cash & equivalents | 83.87M | 87.64M | 97.89M | 154.95M | 137.11M |
| Current assets | 1.08B | 1.07B | 1.07B | 1.07B | 1.05B |
| Current liabilities | 0 | 0 | 0 | 0 | 0 |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | -177K | 14.03M | 15.29M | 8.96M | -9.39M |
| Investing cash flow | 14.56M | -118.23M | -42.12M | 10.05M | 259.9M |
| Financing cash flow | -18.16M | 93.2M | -30.48M | -2.15M | -207.84M |
| Change in cash | -3.77M | -10.99M | -57.3M | 16.86M | 42.67M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | 8-K/A — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 8-K — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | POS AM — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | S-3 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 8-K — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| form 4 | Form 4 — Potes Kelly | View Filing | |
| form 4 | Form 4 — Potes Kelly | View Filing | |
| form 4 | Form 4 — Potes Kelly | View Filing | |
| form 4 | Form 4 — Burke Michael J. Jr. | View Filing | |
| form 4 | Form 4 — Burke Michael J. Jr. | View Filing | |
| form 4 | Form 4 — Burke Michael J. Jr. | View Filing | |
| form 4 | Form 4 — Greenland Adom | View Filing | |
| form 4 | Form 4 — Greenland Adom | View Filing | |
| form 4 | Form 4 — Greenland Adom | View Filing | |
| form 4 | Form 4 — Henion Bradley | View Filing | |
| form 4 | Form 4 — Henion Bradley | View Filing | |
| edgar index | 8-K — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | ARS — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| form 4 | Form 4 — Armock Greg L. | View Filing | |
| form 4 | Form 4 — Armock Greg L. | View Filing | |
| form 4 | Form 4 — Brophy Keith D. | View Filing | |
| form 4 | Form 4 — Brophy Keith D. | View Filing | |
| form 4 | Form 4 — Burns Harold J | View Filing | |
| form 4 | Form 4 — Burrough Eric E | View Filing | |
| form 4 | Form 4 — Coulter Curt E | View Filing | |
| form 4 | Form 4 — Coulter Curt E | View Filing | |
| form 4 | Form 4 — Essex Bruce John Jr | View Filing | |
| form 4 | Form 4 — Hicks Randy D | View Filing | |
| form 4 | Form 4 — Krause Steven Theodore | View Filing | |
| form 4 | Form 4 — Krause Steven Theodore | View Filing | |
| form 4 | Form 4 — Krause Steven Theodore | View Filing | |
| form 4 | Form 4 — Krause Steven Theodore | View Filing | |
| form 4 | Form 4 — Krause Steven Theodore | View Filing | |
| form 4 | Form 4 — Krause Steven Theodore | View Filing | |
| form 4 | Form 4 — McConnell Gregory A | View Filing | |
| form 4 | Form 4 — McGinnis Bradley F. | View Filing | |
| form 4 | Form 4 — McGinnis Bradley F. | View Filing | |
| form 4 | Form 4 — Page Roxanne M | View Filing | |
| form 4 | Form 4 — Page Roxanne M | View Filing | |
| form 4 | Form 4 — PETTY BRIAN P | View Filing | |
| form 4 | Form 4 — Wendling Michelle M | View Filing | |
| edgar index | SCHEDULE 13G/A — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| edgar index | 10-K — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| ten k section | 10-K — business | View Filing | |
| ten k section | 10-K — mda | View Filing | |
| ten k section | 10-K — risk_factors | View Filing | |
| edgar index | 4 — CHOICEONE FINANCIAL SERVICES INC | View Filing | |
| form 4 | Form 4 — Greenland Adom | View Filing | |
| form 4 | Form 4 — Greenland Adom | View Filing | |
| form 4 | Form 4 — Burrough Eric E | View Filing |
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