What is COFS's current dividend yield?

ChoiceOne Financial Services Inc (COFS) has a current dividend yield of 3.46%.

Does COFS pay dividends?

Yes, ChoiceOne Financial Services Inc pays dividends with a current yield of 3.46%.

What is COFS's P/E ratio?

ChoiceOne Financial Services Inc has a price-to-earnings (P/E) ratio of 8.90.

What is COFS's market cap?

ChoiceOne Financial Services Inc (COFS) has a market capitalization of $496.67M with a current stock price of $33.21.

ChoiceOne Financial Services Inc (COFS)

Official site

FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

$33.21

-0.15 (-0.45%)

Market Cap: $496.67M

Last updated: Sep 01, 2026 at 5:00 PM ET

Earnings

Performance (10Y)

Beat Rate

85%(11/13)

Avg Surprise

+10.00%

Streak

6 Q

Upcoming Estimates

Period ending Sep 30, 2026

EPS Consensus$0.93

Range$0.92 - $0.93

3 analysts

EPS Revisions

30d

EPS Estimate Drift

90d ago$0.90-2.5%

60d ago$0.90-2.5%

30d ago$0.90-2.5%

7d ago$0.90-2.5%

Current$0.93

Revenue Consensus

$45M

Range$44M - $45M

2 analysts

Period ending Dec 31, 2026

EPS Consensus$1.01

Range$0.95 - $1.05

3 analysts

Revenue Consensus

$44M

Range$42M - $46M

2 analysts

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Dec 31, 2026Dec 26EST	-	$1.01	$0.95 - $1.05	-	-	3	-	-
Sep 30, 2026Sep 26EST	-	$0.93	$0.92 - $0.93	-	-	3	3 0 30d	-
Jun 30, 2026Jun 26 Reported Jul 24, 2026Reported Jul 24	$0.93	$0.88	$0.87 - $0.90	+5.68%	Beat	3	1 0 30d	+2.2%
Mar 31, 2026Mar 26 Reported Apr 24, 2026Reported Apr 24	$0.91	$0.85	$0.84 - $0.86	+7.06%	Beat	3	1 1 30d	+5.8%
Dec 31, 2025Dec 25 Reported Jan 30, 2026Reported Jan 30	$0.92	$0.90	$0.90 - $0.91	+2.22%	Beat	3	2 0 30d	+10.8%
Sep 30, 2025Sep 25 Reported Oct 24, 2025Reported Oct 24	$0.97	$0.86	$0.85 - $0.87	+12.79%	Beat	3	0 1 30d	+4.3%
Jun 30, 2025Jun 25 Reported Jul 25, 2025Reported Jul 25	$0.91	$0.78	$0.75 - $0.82	+16.67%	Beat	3	0 1 30d	+4.6%
Mar 31, 2025Mar 25 Reported Apr 30, 2025Reported Apr 30	$0.86	$0.76	$0.71 - $0.80	+13.16%	Beat	2	0 1 30d	+16.2%
Dec 31, 2024Dec 24 Reported Mar 11, 2025Reported Mar 11	$0.83	$0.84	$0.84 - $0.84	-1.19%	Miss	1	No revisions (30d)	+18.6%
Sep 30, 2024Sep 24 Reported Oct 23, 2024Reported Oct 23	$0.93	$0.74	$0.74 - $0.74	+25.68%	Beat	2	No revisions (30d)	+36.8%
Jun 30, 2024Jun 24 Reported Jul 25, 2024Reported Jul 25	$0.87	$0.76	$0.76 - $0.76	+14.47%	Beat	1	No revisions (30d)	+26.0%
Mar 31, 2024Mar 24 Reported Apr 24, 2024Reported Apr 24	$0.74	$0.59	$0.59 - $0.59	+25.42%	Beat	1	No revisions (30d)	-1.3%
Dec 31, 2023Dec 23 Reported Mar 13, 2024Reported Mar 13	$0.70	$0.64	$0.64 - $0.64	+9.38%	Beat	1	No revisions (30d)	-21.3%
Sep 30, 2023Sep 23 Reported Oct 25, 2023Reported Oct 25	$0.68	$0.67	$0.67 - $0.67	+1.49%	Beat	1	No revisions (30d)	-11.7%
Jun 30, 2023Jun 23 Reported Jul 26, 2023Reported Jul 26	$0.69	$0.71	-	-2.77%	Miss	-	-	-8.0%
Mar 31, 2023Mar 23 Reported Apr 26, 2023Reported Apr 26	$0.75	N/A	-	N/A	Beat	-	-	+1.4%
Dec 31, 2022Dec 22 Reported Mar 23, 2023Reported Mar 23	$0.89	N/A	-	N/A	Beat	-	-	+34.8%
Sep 30, 2022Sep 22 Reported Oct 26, 2022Reported Oct 26	$0.77	N/A	-	N/A	Beat	-	-	+2.7%
Jun 30, 2022Jun 22 Reported Jul 27, 2022Reported Jul 27	$0.75	N/A	-	N/A	Beat	-	-	+15.4%
Mar 31, 2022Mar 22 Reported Apr 29, 2022Reported Apr 29	$0.74	N/A	-	N/A	Beat	-	-	-7.5%
Dec 31, 2021Dec 21 Reported Mar 18, 2022Reported Mar 18	$0.66	N/A	-	N/A	Beat	-	-	+26.9%
Sep 30, 2021Sep 21 Reported Oct 27, 2021Reported Oct 27	$0.75	N/A	-	N/A	Beat	-	-	+53.1%
Jun 30, 2021Jun 21 Reported Jul 28, 2021Reported Jul 28	$0.65	N/A	-	N/A	Beat	-	-	+6.6%
Mar 31, 2021Mar 21 Reported Apr 1, 2021Reported Apr 1	$0.80	N/A	-	N/A	Beat	-	-	+77.8%
Dec 31, 2020Dec 20 Reported Jan 29, 2021Reported Jan 29	$0.52	N/A	-	N/A	Beat	-	-	+23.8%
Sep 30, 2020Sep 20 Reported Oct 28, 2020Reported Oct 28	$0.49	N/A	-	N/A	Beat	-	-	+75.0%
Jun 30, 2020Jun 20 Reported Jul 28, 2020Reported Jul 28	$0.61	N/A	-	N/A	Beat	-	-	+48.8%
Mar 31, 2020Mar 20 Reported May 11, 2020Reported May 11	$0.45	N/A	-	N/A	Beat	-	-	+9.8%
Dec 31, 2019Dec 19 Reported Mar 16, 2020Reported Mar 16	$0.42	N/A	-	N/A	Beat	-	-	-6.7%
Sep 30, 2019Sep 19 Reported Nov 12, 2019Reported Nov 12	$0.28	N/A	-	N/A	Beat	-	-	-43.6%
Jun 30, 2019Jun 19 Reported Aug 9, 2019Reported Aug 9	$0.41	N/A	-	N/A	Beat	-	-	-25.5%
Mar 31, 2019Mar 19 Reported May 10, 2019Reported May 10	$0.41	N/A	-	N/A	Beat	-	-	-18.0%
Dec 31, 2018Dec 18 Reported Mar 18, 2019Reported Mar 18	$0.45	N/A	-	N/A	Beat	-	-	-1.9%
Sep 30, 2018Sep 18 Reported Nov 14, 2018Reported Nov 14	$0.50	N/A	-	N/A	Beat	-	-	+31.6%
Jun 30, 2018Jun 18 Reported Aug 14, 2018Reported Aug 14	$0.55	N/A	-	N/A	Beat	-	-	+19.6%
Mar 31, 2018Mar 18 Reported May 15, 2018Reported May 15	$0.50	N/A	-	N/A	Beat	-	-	+11.1%
Dec 31, 2017Dec 17 Reported Mar 29, 2018Reported Mar 29	$0.46	N/A	-	N/A	Beat	-	-	+14.6%
Sep 30, 2017Sep 17 Reported Nov 14, 2017Reported Nov 14	$0.38	N/A	-	N/A	Beat	-	-	-16.8%
Jun 30, 2017Jun 17 Reported Aug 10, 2017Reported Aug 10	$0.46	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported May 12, 2017Reported May 12	$0.45	N/A	-	N/A	Beat	-	-	-
Dec 31, 2016Dec 16 Reported Mar 27, 2017Reported Mar 27	$0.40	N/A	-	N/A	Beat	-	-	-
Sep 30, 2016Sep 16 Reported Nov 14, 2016Reported Nov 14	$0.45	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Yield3.46%

Annual/Share$1.15

Payout Ratio31.43%

Frequency4

Pay MonthsMar, Jun, Sep, Dec

Growth

3Y CAGR+3.81%

5Y CAGR+6.62%

View COFS's full dividend history

Key Metrics

Valuation
P/E Ratio	8.90	EV/EBITDA	N/A
Price/FCF	9.73x	FCF Yield	10.28%
Profitability
Profit Margin	32.20%	Operating Margin	41.70%
ROE	12.00%	ROIC	6.62%
Financial Health
Debt/Equity	0.71x	Interest Coverage	0.98x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	0.62	Avg Volume	74.17K
52-Week High	$35.00	52-Week Low	$25.36

Technical Indicators Dashboard

Moving Averages

SMA 10$33.35

SMA 20$33.81

SMA 50$33.64

SMA 200$30.47

EMA 10$33.43

EMA 20$33.59

EMA 50$33.29

EMA 200$31.10

MACD

Line: -0.12Signal: -0.02Hist: -0.10

ADX

ADX: 10.5+DI: 17.8-DI: 19.7

Aroon & PSAR

Aroon Up52.0

Aroon Down4.0

PSAR$34.58

Bollinger Bands

Upper Band$34.84

Lower Band$32.77

%B Position614%(Upper)

Band Width0.21

RSI (14-Day)

Neutral

44.2

Momentum Oscillators

Stoch %K23.3

Stoch %D26.2

Williams %R-79.2

ROC (10d)-2.8%

Momentum-0.96

CCI (20d)-81.0

MFI (14d)36.4

Volatility Measures

ATR (14d)$0.83(2.5%)

StdDev (20d)0.52

Hist Vol12.3%(Low)

Volume Flow

VWAP$33.25

OBV3.1M

AD Line-77.1M

CMF (20d)-0.037

Volume Metrics

Avg Vol (20d)75.1K

Vol Ratio1.2x

VWMA (20d)$33.80

Pivot Points

R3$34.31

R2$34.05

R1$33.70

Pivot Point$33.44

S1$33.09

S2$32.83

S3$32.48

Advanced Oscillators

TSI-5.71

Ultimate Osc48.1

KST-10.82

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$41.64M	$42.46M	$42.94M	$44.74M	$42.83M	$31.23M	$24.34M	$25.11M	$22.45M	$20.52M	$20.60M	$19.93M
Cost of Revenue	N/A	$16.63M	$18.34M	$17.30M	$18.25M	$26.81M	$11.89M	$11.87M	$11.57M	$11.96M	$11.78M	$10.08M
Gross Profit	N/A	$42.46M	$42.14M	$44.54M	$42.17M	$18.07M	$24.14M	$24.69M	$22.45M	$20.52M	$20.23M	$19.93M

Operating Expenses	$26.05M	$25.78M	$25.35M	$26.21M	$25.51M	$35.66M	$15.34M	$15.42M	$14.28M	$13.68M	$13.78M	$13.73M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Operating Income	N/A	$16.68M	$16.79M	$18.33M	$16.67M	$-17,595,000	$8.80M	$9.27M	$8.18M	$6.84M	$6.45M	$6.20M

Interest Income	$53.94M	$53.27M	$54.38M	$54.70M	$53.92M	$39.96M	$31.04M	$31.69M	$29.94M	$28.43M	$27.96M	$26.30M
Interest Expense	$17.24M	$16.63M	$17.54M	$17.10M	$17.60M	$13.65M	$11.69M	$11.44M	$11.57M	$11.96M	$11.41M	$10.08M
Income Before Tax	$15.04M	$16.68M	$16.79M	$18.33M	$16.67M	$-17,595,000	$8.80M	$9.27M	$8.18M	$6.84M	$6.45M	$6.20M
Income Tax Expense	$2.57M	$2.98M	$2.92M	$3.65M	$3.13M	$-3,689,000	$1.64M	$1.93M	$1.59M	$1.21M	$1.16M	$1.08M

Net Income	$12.46M	$13.70M	$13.87M	$14.68M	$13.53M	$-13,906,000	$7.16M	$7.35M	$6.59M	$5.63M	$5.29M	$5.12M

EBITDA	$19.78M	$21.61M	$22.11M	$23.83M	$22.08M	$-13,961,000	$11.96M	$12.36M	$11.20M	$9.90M	$9.53M	$9.35M
EBIT	$15.04M	$16.68M	$16.79M	$18.33M	$16.67M	$-17,595,000	$8.80M	$9.27M	$8.18M	$6.84M	$6.45M	$6.20M

* Some calculated fields are derived from available data when not provided by source

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Be the first to write about COFS

News

The Manufacturers Life Insurance Company Invests $7.47 Million in ChoiceOne Financial Services, Inc. $COFS

The Manufacturers Life Insurance Company has acquired a significant stake in ChoiceOne Financial Services, purchasing 219,602 shares worth approximately $7.47 million, representing 1.47% of the company. ChoiceOne Financial Services reported mixed financial results, with quarterly EPS and revenue missing analyst estimates, but it declared a quarterly dividend of $0.29 per share. Analysts maintain a "Moderate Buy" consensus rating for ChoiceOne Financial Services with an average price target of $36.50.

MarketBeat•Aug 31, 2026 6:07 PM8/31/26•

Somewhat-Bullish

ChoiceOne Financial Services (COFS) Upgraded to Buy: Here's What You Should Know

ChoiceOne Financial Services, Inc. (COFS) has been upgraded to a Zacks Rank #2 (Buy), indicating an attractive investment due to an upward trend in earnings estimates. The Zacks rating system highlights the strong correlation between earnings estimate revisions and stock price movements. With an expected $3.64 EPS for fiscal year 2026 and a 1.7% increase in the Zacks Consensus Estimate over three months, the upgrade suggests a positive outlook for the company's stock.

Eastern Progress•Aug 23, 2026 1:49 AM8/23/26•

Bullish

ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Surpass Estimates

ChoiceOne Financial Services, Inc. (COFS) reported Q2 earnings of $0.93 per share, exceeding the Zacks Consensus Estimate of $0.88, representing a 5.68% surprise. While the company's revenues of $41.64 million missed the consensus estimate, its stock has gained 14.1% year-to-date, outperforming the S&P 500. The current Zacks Rank for COFS is #3 (Hold), indicating that the stock is expected to perform in line with the market.

Eastern Progress•Aug 22, 2026 6:50 PM8/22/26•

Somewhat-Bullish

ChoiceOne Financial (NASDAQ: COFS) swings to $26M profit on higher net interest

ChoiceOne Financial Services (COFS) reported a net income of $26.2 million for the first half of 2026, a significant turnaround from a loss in the previous year, driven by a rise in net interest income to $73.3 million. Total assets reached $4.46 billion, with stable deposits and increased shareholders' equity. The company also returned capital to shareholders through dividends and share repurchases, while maintaining a strong capital position.

Stock Titan•Aug 10, 2026 8:13 PM8/10/26•

Bullish

ChoiceOne Financial Services Inc (COFS) Earnings Forecast: Future EPS & Revenue Growth Estimates

This article provides an earnings forecast for ChoiceOne Financial Services Inc (COFS), highlighting its current earnings forecast score of 7.33 and an average price target of $36.00 based on three analysts. It notes that analysts largely support a "Buy" trend for COFS, with expected revenue of $44.10M for the next quarter and an EPS forecast of $0.93. The report also details recent EPS performance, which exceeded market expectations.

TradingKey•Aug 10, 2026 1:41 PM8/10/26•

Neutral

Frequently Asked Questions About COFS

What is COFS's current dividend yield?: ChoiceOne Financial Services Inc (COFS) has a current dividend yield of 3.46%.
Does COFS pay dividends?: Yes, ChoiceOne Financial Services Inc pays dividends with a current yield of 3.46%.
What is COFS's P/E ratio?: ChoiceOne Financial Services Inc has a price-to-earnings (P/E) ratio of 8.90.
What is COFS's market cap?: ChoiceOne Financial Services Inc (COFS) has a market capitalization of $496.67M with a current stock price of $33.21.

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