COFS
ChoiceOne Financial Services Inc
NASDAQ: COFS · FINANCIAL SERVICES · BANKS - REGIONAL
$31.16
+1.00% today
Updated 2026-05-06
Market cap
$457.78M
P/E ratio
7.25
P/S ratio
2.68x
EPS (TTM)
$4.22
Dividend yield
3.80%
52W range
$26 – $35
Volume
0.1M
WallStSmart proprietary scores
69
out of 100
Grade: B
Buy
Investment rating
9.3
Growth
A+5.0
Quality
C+7.5
Profitability
B+6.7
Valuation
B—/9
Piotroski F-Score
—
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →197 stocks currently score above 75
Price targets
Analyst target
$34.00
+9.11%
12-Month target
$27.54
-11.62%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy2 Buy1 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 32.60% — above average
+ Free cash flow $11.92M — positive
+ Revenue growth 135.00% QoQ
Risks
No major risks identified
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $89.13M | $113.89M | $139.10M | $192.89M | $171.01M |
| Net income | $23.64M | $21.26M | $26.73M | $28.18M | $13.70M |
| EPS | — | — | — | — | $4.22 |
| Free cash flow | $43.85M | $42.25M | $46.94M | $14.03M | $11.92M |
| Profit margin | 26.52% | 18.67% | 19.21% | 14.61% | 32.60% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-04-01 | WENDLING, MICHELLE M | Buy | 244 | $28.12 |
| 2026-04-01 | PETTY, BRIAN P | Buy | 591 | $28.12 |
| 2026-04-01 | PAGE, ROXANNE M | Buy | 244 | $28.12 |
Peer comparison
Smart narrative
ChoiceOne Financial Services Inc trades at $31.16. representing a P/E of 7.25x trailing earnings. Our Smart Value Score of 69/100 indicates the stock is good. TTM revenue stands at $171.01M. with profit margins at 32.60%.
Frequently asked questions
What is ChoiceOne Financial Services Inc's stock price?
ChoiceOne Financial Services Inc (COFS) trades at $31.16.
Is ChoiceOne Financial Services Inc overvalued?
Smart Value Score 69/100 (Grade B, Buy).
What is the price target of ChoiceOne Financial Services Inc (COFS)?
The analyst target price is $34.00, representing +9.1% upside from the current price of $31.16.
What is ChoiceOne Financial Services Inc's revenue?
TTM revenue is $171.01M.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio2.68x
ROE12.40%
Beta0.61
50D MA$28.98
200D MA$29.41
Shares out0.01B
Float0.01B
Short ratio—
Avg volume0.1M
Performance
1 week-0.42%
1 month+7.37%
3 months+0.92%
YTD+3.66%
1 year—
3 years—
5 years—