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    ChoiceOne Financial Services Inc (COFS)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $36.69
    -0.08 (-0.22%)

    Market Cap: $548.56M

    Last updated: Nov 06, 2026 at 4:00 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    86%(12/14)
    Avg Surprise
    +10.21%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Dec 31, 2026
    EPS Consensus$1.11
    Range$1.11 - $1.11
    1 analysts
    Revenue Consensus
    $42M
    Range$42M - $42M
    1 analysts
    Period ending Mar 31, 2027
    EPS Consensus$0.91
    Range$0.89 - $0.92
    3 analysts
    EPS RevisionsNo revisions (7d)
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.90+0.4%
    60d ago$0.90+0.4%
    30d ago$0.90+0.4%
    7d ago$0.90+0.7%
    Current$0.91
    Revenue Consensus
    $44M
    Range$44M - $44M
    1 analysts
    Last 12 of 40 reported quarters and 2 upcoming estimates
    PeriodReportedEst.RangeSurpriseB/MAnalystsRevisionsYoY
    Mar 27EST
    		-$0.91$0.89 - $0.92--3
    0
    1
    30d
    		-
    Dec 26EST
    		-$1.11$1.11 - $1.11--1--
    Sep 26
    Reported Oct 30
    		$1.05$0.93$0.92 - $0.93+12.90%Beat3
    3
    0
    30d
    		+8.2%
    Jun 26
    Reported Jul 24
    		$0.93$0.88$0.87 - $0.90+5.68%Beat3
    1
    0
    30d
    		+2.2%
    Mar 26
    Reported Apr 24
    		$0.91$0.85$0.84 - $0.86+7.06%Beat3
    1
    1
    30d
    		+5.8%
    Dec 25
    Reported Jan 30
    		$0.92$0.90$0.90 - $0.91+2.22%Beat3
    2
    0
    30d
    		+10.8%
    Sep 25
    Reported Oct 24
    		$0.97$0.86$0.85 - $0.87+12.79%Beat3
    0
    1
    30d
    		+4.3%
    Jun 25
    Reported Jul 25
    		$0.91$0.78$0.75 - $0.82+16.67%Beat3
    0
    1
    30d
    		+4.6%
    Mar 25
    Reported Apr 30
    		$0.86$0.76$0.71 - $0.80+13.16%Beat2
    0
    1
    30d
    		+16.2%
    Dec 24
    Reported Mar 11
    		$0.83$0.84$0.84 - $0.84-1.19%Miss1
    No revisions (30d)
    		+18.6%
    Sep 24
    Reported Oct 23
    		$0.93$0.74$0.74 - $0.74+25.68%Beat2
    No revisions (30d)
    		+36.8%
    Jun 24
    Reported Jul 25
    		$0.87$0.76$0.76 - $0.76+14.47%Beat1
    No revisions (30d)
    		+26.0%
    Mar 24
    Reported Apr 24
    		$0.74$0.59$0.59 - $0.59+25.42%Beat1
    No revisions (30d)
    		-1.3%
    Dec 23
    Reported Mar 13
    		$0.70$0.64$0.64 - $0.64+9.38%Beat1
    No revisions (30d)
    		-21.3%

    Dividends

    Last ex-dividend: Sep 15, 2026

    Dividend Metrics

    Forward Yield3.16%
    Forward Annual Dividend$1.16
    Payout Ratio31.71%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+3.81%
    5Y CAGR+6.62%
    COFS dividend history and ex-dividend datesRun COFS in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.63EV/EBITDA9.21x
    Price/FCF10.75xFCF Yield9.30%
    Profitability
    Profit Margin32.20%Operating Margin44.70%
    ROE11.90%ROIC6.62%
    Financial Health
    Debt/Equity0.71xInterest Coverage0.98x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.63Avg Volume95.79K
    52-Week High$38.8952-Week Low$26.17

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$35.78
    SMA 20$34.45
    SMA 50$33.68
    SMA 200$31.41
    EMA 10$35.88
    EMA 20$34.99
    EMA 50$34.02
    EMA 200$31.99

    MACD

    Line: 0.98Signal: 0.67Hist: 0.31

    ADX

    ADX: 34.4+DI: 37.8-DI: 8.5

    Aroon & PSAR

    Aroon Up96.0
    Aroon Down32.0
    PSAR$36.19

    Bollinger Bands

    Upper Band$37.70
    Lower Band$31.19
    %B Position1889%(Upper)
    Band Width0.84

    RSI (14-Day)

    Neutral
    68.5

    Momentum Oscillators

    Stoch %K75.8
    Stoch %D82.8
    Williams %R-36.0
    ROC (10d)7.1%
    Momentum2.43
    CCI (20d)106.7
    MFI (14d)70.0

    Volatility Measures

    ATR (14d)$0.99(2.7%)
    StdDev (20d)1.63
    Hist Vol24.2%(Moderate)

    Volume Flow

    VWAP$36.64
    OBV2.9M
    AD Line-71.4M
    CMF (20d)0.089

    Volume Metrics

    Avg Vol (20d)96.1K
    Vol Ratio0.5x
    VWMA (20d)$34.49

    Pivot Points

    R3$40.61
    R2$39.75
    R1$38.26
    Pivot Point$37.40
    S1$35.91
    S2$35.05
    S3$33.56

    Advanced Oscillators

    TSI37.60
    Ultimate Osc50.2
    KST73.37

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 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 RevenueN/A$16.63M$18.34M$17.30M$18.25M$26.81M$11.89M$11.87M$11.57M$11.96M$11.78M$10.08M
    Gross ProfitN/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 IncomeN/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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    News

    Form 8K ChoiceOne Financial Services Inc For: 5 November By Investing.com

    This article reports on ChoiceOne Financial Services Inc.'s Form 8K filing for November 5th, 2026. The Form 8K is a crucial document that public companies file with the SEC to announce major events that shareholders...

    Investing.com India•11/5/26•Neutral

    Deposits excluding brokered deposits rose $95.7M. ChoiceOne (COFS) also posted Q3 earnings.

    ChoiceOne Financial Services, Inc. reported third-quarter 2026 net income of $14.5 million and diluted EPS of $0.97. The company's core loans increased by $33.6 million, or 4.4% annualized, and deposits...

    Stock Titan•11/5/26•Somewhat-Bullish

    ChoiceOne Financial Services Reports Q3 Net Income of $14.5 Million, Diluted EPS of $0.97

    ChoiceOne Financial Services announced a third-quarter 2026 net income of $14.5 million and diluted earnings per share of $0.97. Key highlights include core loan growth of $33.6 million...

    TradingView•11/5/26•Neutral

    ChoiceOne Financial Services, Inc. (COFS) Seasonal returns chart

    The article provides a seasonal returns chart for ChoiceOne Financial Services, Inc. (COFS), displaying the average monthly price return from 2016 to 2026. As of November 2, the stock price was 36.30 USD...

    Yahoo Finance UK•10/30/26•Neutral

    ChoiceOne Financial Services, Inc. (COFS) Seasonal Returns Chart - Yahoo Finance

    This article from Yahoo Finance provides a seasonal returns chart for ChoiceOne Financial Services, Inc. (COFS), showing average monthly price returns from 2016 to 2026. The stock closed at $35.45 on October 30...

    Yahoo! Finance Canada•10/30/26•Neutral

    COFS Valuation and Fair Value

    P/E
    9.6x
    Forward P/E
    7.8x
    EV/EBITDA
    9.2x
    P/FCF
    10.8x
    PEG
    0.0x
    P/B
    1.1x
    See GNG's fair value

    COFS Profitability: Margins, ROIC and FCF

    Operating margin
    44.7%
    Net margin
    32.2%
    ROIC
    6.6%
    ROE
    11.9%
    FCF yield
    9.3%

    COFS Competitors

    CompanyTicker
    Northpointe Bancshares, Inc.NPB
    Lendingtree IncTREE
    Crawford & CompanyCRD-A
    OppFi IncOPFI
    MSC Income Fund, Inc.MSIF
    BRC Group Holdings, Inc.RILYL
    Grupo Supervielle SASUPV
    Ponce Financial Group IncPDLB

    Sector: Financial Services

    COFS Bull Case vs Bear Case

    Bull case

    • COFS has a 32.2% net profit margin.
    • COFS beat EPS estimates in 87.5% of its last 8 reported quarters.

    Bear case

    • COFS's quarterly revenue changed -0.6% year over year.

    COFS Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    8.7%
    EPS estimate (fiscal period ending Dec 31, 2026)
    $1.11

    COFS Dividend

    Forward yield
    3.2%
    Payout ratio
    31.7%
    3Y DPS growth
    3.8%
    5Y DPS growth
    6.6%
    Pay months
    Mar, Jun, Sep, Dec
    COFS dividend history

    COFS Earnings Date

    COFS reports Jan 28, 2027. The date is estimated.

    COFS ETF Holders

    GNG tracks 7 ETFs that hold COFS. The largest weights:

    1. State Street SPDR S&P Regional Banking ETF (KRE), 0.10% of the fund
    2. Avantis U.S. Small Cap Value ETF (AVUV), 0.03% of the fund
    3. Vanguard Extended Market Index Fund ETF Shares (VXF), 0.02% of the fund
    4. iShares Russell 2000 ETF (IWM), 0.01% of the fund
    5. Vanguard Russell 2000 Index Fund ETF Shares (VTWO), 0.01% of the fund
    Open the ETF Stock Exposure tool for COFS

    See insider activity

    Frequently Asked Questions About COFS

    When is COFS's next ex-dividend date?

    COFS has not declared its next regular ex-dividend date yet. Its last ex-dividend date was Sep 15, 2026 ($0.29 per share). Over the last 12 months, COFS went ex-dividend in Mar, Jun, Sep and Dec.

    When does COFS report earnings?

    ChoiceOne Financial Services Inc (COFS) is expected to report earnings on Jan 28, 2027.

    What is COFS's current dividend yield?

    ChoiceOne Financial Services Inc (COFS) has a forward dividend yield of 3.16%.

    Does COFS pay dividends?

    Yes, ChoiceOne Financial Services Inc pays dividends with a forward dividend yield of 3.16%.

    What is COFS's P/E ratio?

    ChoiceOne Financial Services Inc has a price-to-earnings (P/E) ratio of 9.63.

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