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ChoiceOne Financial Services, Inc. COFS · Stock Open ChoiceOne Financial Services, Inc. in new tab

32.57 USD
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P/E
7.61
EPS
4.26
Yield
3.50%
Safety Score
93
P/B
1.03
ROE
12.44
Beta
0.63
Target Price
33.67 USD
1M 6M YTD 1Y 2Y 5Y Max
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Key Metrics
Earnings dateJuly 24, 2026
P/E7.61
EPS4.26
Book Value31.42
Price to Book1.03
% Insiders6.535%
Growth
Revenue Growth1.35%
Earnings Growth0.15%
Estimates
Forward P/E8.80
Forward EPS3.68
Target Mean Price33.67
Dividend
Dividend Yield3.50%
Annual dividends1.14 USD
Ex-Div. DateJune 15, 2026
Payout30.64%
5y avg Yield3.92%

DCF Valuation

Tweak assumptions to recompute fair value for ChoiceOne Financial Services, Inc. (COFS)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result
Fair Value (DCF)
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Current Price
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WACC
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Terminal PV
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

ChoiceOne Financial Services, Inc. Logo ChoiceOne Financial Services, Inc. Analysis (COFS)

United States Financials Official Website Stock

Is ChoiceOne Financial Services, Inc. a good investment? ChoiceOne Financial Services, Inc. (COFS) is currently trading at 32.57 USD. Market analysts have a consensus price target of 33.67 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 7.61. This relatively low multiple may signal that ChoiceOne Financial Services, Inc. is undervalued compared to historical market norms.

Earnings Schedule: ChoiceOne Financial Services, Inc. is expected to release its next earnings report on July 24, 2026. The market consensus estimate for Forward EPS is 3.68.

For income investors, ChoiceOne Financial Services, Inc. pays a dividend yield of 3.50%. With a payout ratio of 31%, the dividend appears sustainable.

Investor FAQ

Does ChoiceOne Financial Services, Inc. pay a dividend?

Yes, it pays an annual dividend of 1.14 USD (3.50% yield).

What asset class is ChoiceOne Financial Services, Inc.?

ChoiceOne Financial Services, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 24, 2026. The company currently has a trailing EPS of 4.26.

Company Profile

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.

Exchange Ticker
NCM (Australia) COFS
Trades
Dividend Yield
3.50%
5y avg 3.92%
Annual Dividends
1.14USD
Next Ex. Div Date
June 15, 2026
Payout Ratio
30.64%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.31 USD
March 31, 2027 (estimated) 0.3128
▸2026
1.19 USD
Dec. 31, 2026 (estimated) 0.3083
Sept. 30, 2026 (estimated) 0.3030
June 30, 2026 0.2900
March 31, 2026 0.2900
▸2025
1.13 USD
Dec. 31, 2025 0.2900
Sept. 30, 2025 0.2800
June 30, 2025 0.2800
March 31, 2025 0.2800
▸2024
1.09 USD
Dec. 31, 2024 0.2800
Sept. 30, 2024 0.2700
June 28, 2024 0.2700
March 29, 2024 0.2700
▸2023
1.05 USD
Dec. 29, 2023 0.2700
Sept. 29, 2023 0.2600
June 30, 2023 0.2600
March 31, 2023 0.2600
▸2022
1.01 USD
Dec. 30, 2022 0.2600
Sept. 30, 2022 0.2500
June 30, 2022 0.2500
March 31, 2022 0.2500
▸2021
0.94 USD
Dec. 31, 2021 0.2500
Sept. 30, 2021 0.2500
June 30, 2021 0.2200
March 31, 2021 0.2200
▸2020
0.82 USD
Dec. 31, 2020 0.2200
Sept. 30, 2020 0.2000
June 30, 2020 0.2000
March 31, 2020 0.2000
▸2019
1.40 USD
Dec. 31, 2019 0.2000
Sept. 30, 2019 0.8000
June 28, 2019 0.2000
March 29, 2019 0.2000
▸2018
0.71 USD
Dec. 31, 2018 0.1800
Sept. 28, 2018 0.1800
June 29, 2018 0.1800
March 30, 2018 0.1714
▸2017
0.64 USD
Dec. 29, 2017 0.1619
Sept. 29, 2017 0.1619
June 30, 2017 0.1619
March 31, 2017 0.1542
▸2016
0.62 USD
Dec. 30, 2016 0.1542
Sept. 30, 2016 0.1542
June 30, 2016 0.1542
March 31, 2016 0.1542
▸2015
0.61 USD
Dec. 31, 2015 0.1700
Sept. 30, 2015 0.1542
June 30, 2015 0.1542
March 31, 2015 0.1361
▸2014
0.54 USD
Dec. 31, 2014 0.1361
Sept. 30, 2014 0.1361
June 30, 2014 0.1361
March 31, 2014 0.1270
▸2013
0.49 USD
Dec. 31, 2013 0.1270
Sept. 30, 2013 0.1270
June 28, 2013 0.1179
March 29, 2013 0.1179
▸2012
0.45 USD
Dec. 31, 2012 0.1179
Sept. 28, 2012 0.1179
June 29, 2012 0.1088
March 30, 2012 0.1088
▸2011
0.44 USD
Dec. 30, 2011 0.1088
Sept. 30, 2011 0.1088
June 30, 2011 0.1088
March 31, 2011 0.1088
▸2010
0.44 USD
Dec. 31, 2010 0.1088
Sept. 30, 2010 0.1088
June 30, 2010 0.1088
March 31, 2010 0.1088
▸2009
0.44 USD
Dec. 31, 2009 0.1088
Sept. 30, 2009 0.1088
June 30, 2009 0.1088
March 31, 2009 0.1088
▸2008
0.62 USD
Dec. 31, 2008 0.1542
Sept. 30, 2008 0.1542
June 30, 2008 0.1542
March 31, 2008 0.1542
▸2007
0.62 USD
Dec. 31, 2007 0.1542
Sept. 28, 2007 0.1542
June 29, 2007 0.1542
March 20, 2007 0.1542
▸2006
0.62 USD
Dec. 29, 2006 0.1542
Sept. 29, 2006 0.1542
June 30, 2006 0.1542
March 31, 2006 0.1542
▸2005
0.61 USD
Dec. 30, 2005 0.1542
Sept. 30, 2005 0.1542
June 30, 2005 0.1542
March 31, 2005 0.1469
▸2004
0.59 USD
Dec. 31, 2004 0.1469
Sept. 30, 2004 0.1469
June 30, 2004 0.1469
March 31, 2004 0.1469
▸2003
0.63 USD
Dec. 31, 2003 0.1469
Sept. 30, 2003 0.1469
June 11, 2003 0.1700
March 11, 2003 0.1700
▸2002
0.68 USD
Dec. 11, 2002 0.1700
Sept. 11, 2002 0.1700
June 11, 2002 0.1700
March 12, 2002 0.1700
▸2001
0.34 USD
Dec. 12, 2001 0.1700
Sept. 11, 2001 0.1700
Upcoming Dividends
Name Payment Date Status Amount
ChoiceOne Financial Services, Inc. Jun 30, 2026 Upcoming 0.29 USD
ChoiceOne Financial Services, Inc. Mar 31, 2026 0.29 USD
ChoiceOne Financial Services, Inc. Dec 31, 2025 0.29 USD
ChoiceOne Financial Services, Inc. Sep 30, 2025 0.28 USD
Stock Splits
Split Date Split Ratio to 1
May 5, 2005 1.050000
May 8, 2017 1.050000
May 9, 2018 1.050000
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