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ChoiceOne Financial Services, Inc.

$34.05 +$5.08 (+17.54%)

NASDAQ · 11 Sep 2026 20:00 UTC

Previous Close

$33.93

Day Range

$33.58$34.21

Year Range

$26.1$35.4

Market Cap

509.06M

AVG Volume

86.9K

Trailing/Forward PE

9.35/9.1

PEG ratio

8.65

Dividend Yield

3.38%

Next Earnings Date

2026-10-23

Primary Exchange

NASDAQ

Revenue (USD)

COFS Revenue (USD) by year
Period	Revenue (USD)
2025	227.62M
2024	139.1M
2023	113.89M
2022	89.13M
2021	83.81M
2020	78.41M
2019	41.64M
2018	31.45M
2017	28.94M
2016	28.19M

Net Income (USD)

COFS Net Income (USD) by year
Period	Net Income (USD)
2025	28.18M
2024	26.73M
2023	21.26M
2022	23.64M
2021	22.04M
2020	15.61M
2019	7.17M
2018	7.33M
2017	6.17M
2016	6.09M

Operating Income (USD)

COFS Operating Income (USD) by year
Period	Operating Income (USD)
2025	34.19M
2024	33.09M
2023	25.57M
2022	27.66M
2021	26.5M
2020	18.89M
2019	8.47M
2018	8.49M
2017	8.55M
2016	8.25M

EBITDA (USD)

COFS EBITDA (USD) by year
Period	EBITDA (USD)
2025	54.06M
2024	45.42M
2023	38M
2022	41M
2021	38.92M
2020	26.59M
2019	11.59M
2018	10.56M
2017	11M
2016	10.86M

Cash Flows (USD)

COFS Cash Flows (USD) by year
Period	Cash Flows (USD)
2025	25.19M
2024	46.94M
2023	42.25M
2022	43.85M
2021	34.94M
2020	6.63M
2019	8.44M
2018	5.75M
2017	6.43M
2016	9.11M

EPS (USD)

COFS EPS (USD) by year
Period	EPS (USD)
2025	1.49
2024	3.3
2023	2.82
2022	3.15
2021	2.86
2020	2.07
2019	1.58
2018	2.01
2017	1.71
2016	1.67

Expenses (USD)

COFS Expenses (USD) by year
Period	Expenses (USD)
2025	62.35M
2024	37.24M
2023	38.1M
2022	33.04M
2021	33.71M
2020	29.43M
2019	15.79M
2018	15.7M
2017	12.25M
2016	12.26M

Cash & Debt (USD)

COFS Cash & Debt (USD) by year
Period	Cash & Debt (USD)
2025	222.26M
2024	575.52M
2023	570.03M
2022	573.69M
2021	1.13B
2020	654.31M
2019	399.14M
2018	186.29M
2017	192.43M
2016	189.2M

Debt ratios

COFS Debt ratios by year
Period	Debt ratios
2025	0.51
2024	-2.23
2023	-2.31
2022	-4.14
2021	-11.93
2020	-10.74
2019	-8.31
2018	-4.14

Margins

COFS Margins by year
Period	Margins
2025	64.55%
2024	66%
2023	70.81%
2022	91.03%
2021	94.76%
2020	88.98%
2019	88.71%
2018	92.06%
2017	93.22%
2016	96.57%

Return on Capital

COFS Return on Capital by year
Period	Return on Capital
2025	6.05%
2024	10.26%
2023	10.87%
2022	14%
2021	9.94%
2020	6.87%
2019	3.73%
2018	9.11%
2017	8.06%
2016	8.49%

Shares Outstanding

COFS Shares Outstanding by year
Period	Shares Outstanding
2025	15.02M
2024	8.64M
2023	7.56M
2022	7.51M
2021	7.62M
2020	7.91M
2019	6.91M
2018	3.68M
2017	3.62M
2016	3.61M

Dividends (USD)

COFS Dividends (USD) by year
Period	Dividends (USD)
2026	0.87
2025	1.13
2024	1.09
2023	1.05
2022	1.01
2021	0.94
2020	0.82
2019	1.4
2018	0.71
2017	0.64

Employee Count

COFS Employee Count by year
Period	Employee Count
2025	505
2024	336
2023	324
2022	332
2021	320
2020	305
2019	339
2018	174
2017	173
2016	160

Book Value Per Share (USD)

COFS Book Value Per Share (USD) by year
Period	Book Value Per Share (USD)
2025	30.99
2024	30.12
2023	25.87
2022	22.49
2021	29.07
2020	28.72
2019	27.82
2018	21.86
2017	21.13
2016	19.84

Total Assets (USD)

COFS Total Assets (USD) by year
Period	Total Assets (USD)
2025	4.41B
2024	2.72B
2023	2.58B
2022	2.39B
2021	2.37B
2020	1.92B
2019	1.39B
2018	670.54M
2017	646.54M
2016	607.37M

PE Ratio

COFS PE Ratio by year
Period	PE Ratio
Sep 26	9.34
Sep 26	9.41
Aug 26	9.16
Aug 26	9.09
Aug 26	9.43
Aug 26	9.17
Jul 26	9.16
Jul 26	8.81
Jul 26	9.13
Jul 26	8.88
Jul 26	9.13
Jun 26	8.85
Jun 26	8.58
Jun 26	8.77
Jun 26	8.55
May 26	8.45
May 26	8.46
May 26	8.15
May 26	16.78
May 26	16.31
Apr 26	16.4
Apr 26	16.49
Apr 26	16
Apr 26	15.19
Mar 26	14.51
Mar 26	14.65
Mar 26	14.52
Mar 26	19.73
Feb 26	19.97
Feb 26	20.74
Feb 26	20.07
Feb 26	21.17
Jan 26	20.02
Jan 26	20.13
Jan 26	19.91
Jan 26	19.62
Jan 26	20.22
Dec 25	21.02
Dec 25	21.26
Dec 25	22.26
Dec 25	21.81
Nov 25	21.24
Nov 25	20.92
Nov 25	20.78
Nov 25	31.17
Oct 25	30.39
Oct 25	32.46
Oct 25	27.97
Oct 25	28.68
Oct 25	30.16
Sep 25	31.14
Sep 25	31.82
Sep 25	32.16
Sep 25	32.63
Aug 25	32.75
Aug 25	32.8
Aug 25	31.81
Aug 25	30.59
Aug 25	32.62
Jul 25	34.5
Jul 25	33.19
Jul 25	33.64
Jul 25	34.33
Jun 25	33.03
Jun 25	31.69
Jun 25	32.04
Jun 25	33.3
May 25	33.61
May 25	33.37
May 25	34.52
May 25	9.38
May 25	9.4
Apr 25	8.89
Apr 25	8.54
Apr 25	8.14
Apr 25	8.45
Mar 25	9.3
Mar 25	9.22
Mar 25	9.25
Mar 25	10.64
Feb 25	11.05
Feb 25	11.1
Feb 25	11.31
Feb 25	11.56
Jan 25	11.65
Jan 25	11.93
Jan 25	12.06
Jan 25	11.39
Jan 25	12.21
Dec 24	12.32
Dec 24	12.48
Dec 24	12.71
Dec 24	13.04
Nov 24	13.03
Nov 24	12.78
Nov 24	12.36
Nov 24	12.34
Nov 24	11.03
Oct 24	11.1
Oct 24	10.65

Free Cash Flow Yield

COFS Free Cash Flow Yield by year
Period	Free Cash Flow Yield
Sep 26	10.83%
Sep 26	10.75%
Aug 26	11.06%
Aug 26	11.13%
Aug 26	10.73%
Aug 26	6.02%
Jul 26	6.03%
Jul 26	6.27%
Jul 26	6.04%
Jul 26	6.22%
Jul 26	6.05%
Jun 26	6.24%
Jun 26	6.43%
Jun 26	6.3%
Jun 26	6.45%
May 26	6.53%
May 26	6.52%
May 26	6.77%
May 26	5.33%
May 26	5.48%
Apr 26	5.45%
Apr 26	5.42%
Apr 26	5.59%
Apr 26	5.89%
Mar 26	6.16%
Mar 26	6.1%
Mar 26	6.16%
Mar 26	8.64%
Feb 26	8.54%
Feb 26	8.22%
Feb 26	8.5%
Feb 26	8.06%
Jan 26	8.52%
Jan 26	8.48%
Jan 26	8.57%
Jan 26	8.69%
Jan 26	8.44%
Dec 25	8.12%
Dec 25	8.02%
Dec 25	7.66%
Dec 25	7.82%
Nov 25	8.03%
Nov 25	8.15%
Nov 25	8.21%
Nov 25	3.69%
Oct 25	3.79%
Oct 25	3.54%
Oct 25	4.11%
Oct 25	4.01%
Oct 25	3.81%
Sep 25	3.69%
Sep 25	3.61%
Sep 25	3.58%
Sep 25	3.53%
Aug 25	3.51%
Aug 25	3.51%
Aug 25	3.62%
Aug 25	3.76%
Aug 25	10.51%
Jul 25	9.93%
Jul 25	10.33%
Jul 25	10.19%
Jul 25	9.98%
Jun 25	10.38%
Jun 25	10.81%
Jun 25	10.7%
Jun 25	10.29%
May 25	10.2%
May 25	10.27%
May 25	9.93%
May 25	18.72%
May 25	18.69%
Apr 25	19.75%
Apr 25	20.58%
Apr 25	21.56%
Apr 25	20.79%
Mar 25	18.88%
Mar 25	19.05%
Mar 25	18.99%
Mar 25	4.52%
Feb 25	4.35%
Feb 25	4.34%
Feb 25	4.25%
Feb 25	4.16%
Jan 25	4.13%
Jan 25	4.03%
Jan 25	3.99%
Jan 25	4.22%
Jan 25	3.94%
Dec 24	3.91%
Dec 24	3.86%
Dec 24	3.79%
Dec 24	3.69%
Nov 24	3.69%
Nov 24	3.77%
Nov 24	3.89%
Nov 24	3.9%
Nov 24	19.85%
Oct 24	19.73%
Oct 24	20.56%

Price to Sales

COFS Price to Sales by year
Period	Price to Sales
Sep 26	2.8
Sep 26	2.82
Aug 26	2.74
Aug 26	2.72
Aug 26	2.83
Aug 26	2.12
Jul 26	2.11
Jul 26	2.03
Jul 26	2.11
Jul 26	2.05
Jul 26	2.11
Jun 26	2.04
Jun 26	1.98
Jun 26	2.02
Jun 26	1.97
May 26	1.95
May 26	1.95
May 26	1.88
May 26	2.08
May 26	2.02
Apr 26	2.03
Apr 26	2.04
Apr 26	1.98
Apr 26	1.88
Mar 26	1.8
Mar 26	1.81
Mar 26	1.8
Mar 26	2.09
Feb 26	2.11
Feb 26	2.19
Feb 26	2.12
Feb 26	2.24
Jan 26	2.12
Jan 26	2.13
Jan 26	2.1
Jan 26	2.07
Jan 26	2.14
Dec 25	2.22
Dec 25	2.25
Dec 25	2.35
Dec 25	2.3
Nov 25	2.24
Nov 25	2.21
Nov 25	2.2
Nov 25	2.48
Oct 25	2.41
Oct 25	2.58
Oct 25	2.22
Oct 25	2.28
Oct 25	2.4
Sep 25	2.47
Sep 25	2.53
Sep 25	2.56
Sep 25	2.59
Aug 25	2.6
Aug 25	2.61
Aug 25	2.53
Aug 25	2.43
Aug 25	1.55
Jul 25	1.64
Jul 25	1.57
Jul 25	1.6
Jul 25	1.63
Jun 25	1.57
Jun 25	1.5
Jun 25	1.52
Jun 25	1.58
May 25	1.59
May 25	1.58
May 25	1.64
May 25	1.8
May 25	1.81
Apr 25	1.71
Apr 25	1.64
Apr 25	1.56
Apr 25	1.62
Mar 25	1.79
Mar 25	1.77
Mar 25	1.78
Mar 25	1.96
Feb 25	2.03
Feb 25	2.04
Feb 25	2.08
Feb 25	2.13
Jan 25	2.14
Jan 25	2.2
Jan 25	2.22
Jan 25	2.1
Jan 25	2.25
Dec 24	2.27
Dec 24	2.3
Dec 24	2.34
Dec 24	2.4
Nov 24	2.4
Nov 24	2.35
Nov 24	2.27
Nov 24	2.27
Nov 24	1.94
Oct 24	1.95
Oct 24	1.88

EV/EBITDA

COFS EV/EBITDA by year
Period	EV/EBITDA
Sep 26	4.58
Sep 26	4.67
Aug 26	4.36
Aug 26	4.29
Aug 26	4.69
Aug 26	7.38
Jul 26	7.37
Jul 26	7.15
Jul 26	7.35
Jul 26	7.19
Jul 26	7.35
Jun 26	7.18
Jun 26	7.01
Jun 26	7.12
Jun 26	6.99
May 26	6.93
May 26	6.94
May 26	6.74
May 26	10.43
May 26	10.19
Apr 26	10.24
Apr 26	10.28
Apr 26	10.03
Apr 26	9.6
Mar 26	9.25
Mar 26	9.32
Mar 26	9.26
Mar 26	12.81
Feb 26	12.92
Feb 26	13.3
Feb 26	12.97
Feb 26	13.51
Jan 26	12.95
Jan 26	13
Jan 26	12.89
Jan 26	12.75
Jan 26	13.04
Dec 25	13.43
Dec 25	13.55
Dec 25	14.04
Dec 25	13.82
Nov 25	13.54
Nov 25	13.39
Nov 25	13.32
Nov 25	16.05
Oct 25	15.71
Oct 25	16.62
Oct 25	14.66
Oct 25	14.97
Oct 25	15.61
Sep 25	16.04
Sep 25	16.34
Sep 25	16.49
Sep 25	16.69
Aug 25	16.74
Aug 25	16.76
Aug 25	16.33
Aug 25	15.8
Aug 25	12.29
Jul 25	12.91
Jul 25	12.48
Jul 25	12.63
Jul 25	12.86
Jun 25	12.42
Jun 25	11.98
Jun 25	12.09
Jun 25	12.51
May 25	12.62
May 25	12.54
May 25	12.92
May 25	-2.51
May 25	-2.5
Apr 25	-2.8
Apr 25	-3.01
Apr 25	-3.24
Apr 25	-3.06
Mar 25	-2.56
Mar 25	-2.6
Mar 25	-2.59
Mar 25	-3.1
Feb 25	-2.86
Feb 25	-2.84
Feb 25	-2.71
Feb 25	-2.57
Jan 25	-2.51
Jan 25	-2.36
Jan 25	-2.28
Jan 25	-2.67
Jan 25	-2.2
Dec 24	-2.13
Dec 24	-2.04
Dec 24	-1.9
Dec 24	-1.71
Nov 24	-1.72
Nov 24	-1.86
Nov 24	-2.11
Nov 24	-2.11
Nov 24	-2.44
Oct 24	-2.4
Oct 24	-2.65

Price/Operating Cashflow

COFS Price/Operating Cashflow by year
Period	Price/Operating Cashflow
Sep 26	8.65
Sep 26	8.72
Aug 26	8.48
Aug 26	8.42
Aug 26	8.74
Aug 26	13.43
Jul 26	13.41
Jul 26	12.89
Jul 26	13.37
Jul 26	12.99
Jul 26	13.36
Jun 26	12.96
Jun 26	12.56
Jun 26	12.83
Jun 26	12.52
May 26	12.37
May 26	12.39
May 26	11.93
May 26	14.86
May 26	14.44
Apr 26	14.53
Apr 26	14.6
Apr 26	14.17
Apr 26	13.45
Mar 26	12.85
Mar 26	12.97
Mar 26	12.86
Mar 26	10.14
Feb 26	10.26
Feb 26	10.65
Feb 26	10.31
Feb 26	10.87
Jan 26	10.29
Jan 26	10.34
Jan 26	10.23
Jan 26	10.08
Jan 26	10.39
Dec 25	10.8
Dec 25	10.92
Dec 25	11.44
Dec 25	11.2
Nov 25	10.91
Nov 25	10.75
Nov 25	10.68
Nov 25	21.94
Oct 25	21.39
Oct 25	22.85
Oct 25	19.69
Oct 25	20.19
Oct 25	21.23
Sep 25	21.92
Sep 25	22.4
Sep 25	22.64
Sep 25	22.97
Aug 25	23.05
Aug 25	23.09
Aug 25	22.39
Aug 25	21.53
Aug 25	8.73
Jul 25	9.23
Jul 25	8.88
Jul 25	9
Jul 25	9.18
Jun 25	8.84
Jun 25	8.48
Jun 25	8.57
Jun 25	8.91
May 25	8.99
May 25	8.93
May 25	9.24
May 25	5.16
May 25	5.16
Apr 25	4.89
Apr 25	4.69
Apr 25	4.47
Apr 25	4.64
Mar 25	5.11
Mar 25	5.07
Mar 25	5.08
Mar 25	19.19
Feb 25	19.93
Feb 25	20
Feb 25	20.39
Feb 25	20.84
Jan 25	21.01
Jan 25	21.5
Jan 25	21.75
Jan 25	20.54
Jan 25	22
Dec 24	22.2
Dec 24	22.5
Dec 24	22.92
Dec 24	23.51
Nov 24	23.5
Nov 24	23.04
Nov 24	22.28
Nov 24	22.25
Nov 24	4.77
Oct 24	4.8
Oct 24	4.6

Price to Book

COFS Price to Book by year
Period	Price to Book
Sep 26	1.06
Sep 26	1.07
Aug 26	1.04
Aug 26	1.03
Aug 26	1.07
Aug 26	1.09
Jul 26	1.09
Jul 26	1.05
Jul 26	1.08
Jul 26	1.05
Jul 26	1.08
Jun 26	1.05
Jun 26	1.02
Jun 26	1.04
Jun 26	1.02
May 26	1
May 26	1
May 26	0.97
May 26	1.02
May 26	0.99
Apr 26	0.99
Apr 26	1
Apr 26	0.97
Apr 26	0.92
Mar 26	0.88
Mar 26	0.89
Mar 26	0.88
Mar 26	0.94
Feb 26	0.95
Feb 26	0.99
Feb 26	0.96
Feb 26	1.01
Jan 26	0.96
Jan 26	0.96
Jan 26	0.95
Jan 26	0.94
Jan 26	0.97
Dec 25	1
Dec 25	1.02
Dec 25	1.06
Dec 25	1.04
Nov 25	1.01
Nov 25	1
Nov 25	0.99
Nov 25	1.02
Oct 25	0.99
Oct 25	1.06
Oct 25	0.92
Oct 25	0.94
Oct 25	0.99
Sep 25	1.02
Sep 25	1.04
Sep 25	1.05
Sep 25	1.07
Aug 25	1.07
Aug 25	1.07
Aug 25	1.04
Aug 25	1
Aug 25	0.55
Jul 25	0.58
Jul 25	0.56
Jul 25	0.57
Jul 25	0.58
Jun 25	0.56
Jun 25	0.53
Jun 25	0.54
Jun 25	0.56
May 25	0.57
May 25	0.56
May 25	0.58
May 25	0.96
May 25	0.96
Apr 25	0.91
Apr 25	0.88
Apr 25	0.84
Apr 25	0.87
Mar 25	0.95
Mar 25	0.95
Mar 25	0.95
Mar 25	1.07
Feb 25	1.11
Feb 25	1.11
Feb 25	1.14
Feb 25	1.16
Jan 25	1.17
Jan 25	1.2
Jan 25	1.21
Jan 25	1.14
Jan 25	1.22
Dec 24	1.24
Dec 24	1.25
Dec 24	1.28
Dec 24	1.31
Nov 24	1.31
Nov 24	1.28
Nov 24	1.24
Nov 24	1.24
Nov 24	1.16
Oct 24	1.17
Oct 24	1.12

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News: COFS

prnewswire.com · 11 Sep 2026

ChoiceOne Bank Receives Habitat for Humanity of Kent County Opportunity Award

SPARTA, Mich., Sept. 11, 2026 /PRNewswire/ -- ChoiceOne Financial Services, Inc., and ChoiceOne Bank (NASDAQ: COFS) ("ChoiceOne") are proud to receive the 2026 Habitat for Humanity of Kent County Opportunity Award, recognizing ChoiceOne as a long-term supporter with deep community roots and a vision for building stronger communities for generations to come.

defenseworld.net · 2 Sep 2026

BlackRock Inc. Invests $36.96 Million in ChoiceOne Financial Services, Inc. $COFS

BlackRock Inc. bought a new stake in ChoiceOne Financial Services, Inc. (NASDAQ: COFS) in the undefined quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor bought 1,086,956 shares of the company's stock, valued at approximately $36,957,000. BlackRock Inc. owned approximately 7.26% of

zacks.com · 29 Jul 2026

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

ChoiceOne Financial Services (COFS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

zacks.com · 24 Jul 2026