ChoiceOne Financial Services, Inc. (COFS)

COFS Statistics

Total Valuation

COFS has a market cap or net worth of $444.03 million. The enterprise value is $669.29 million.

Market Cap	444.03M
Enterprise Value	669.29M

Important Dates

The last earnings date was Friday, January 30, 2026, before market open.

Earnings Date	Jan 30, 2026
Ex-Dividend Date	Mar 13, 2026

Share Statistics

COFS has 15.00 million shares outstanding. The number of shares has increased by 70.20% in one year.

Current Share Class	15.00M
Shares Outstanding	15.00M
Shares Change (YoY)	+70.20%
Shares Change (QoQ)	+0.03%
Owned by Insiders (%)	8.21%
Owned by Institutions (%)	40.80%
Float	13.76M

Valuation Ratios

The trailing PE ratio is 14.73 and the forward PE ratio is 8.46.

PE Ratio	14.73
Forward PE	8.46
PS Ratio	3.02
Forward PS	2.48
PB Ratio	0.95
P/TBV Ratio	1.46
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	23.75
EV / Sales	4.56
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.76%.

Return on Equity (ROE)	7.76%
Return on Assets (ROA)	0.79%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.49%
Revenue Per Employee	$258,213
Profits Per Employee	$49,518
Employee Count	569
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, COFS has paid $6.01 million in taxes.

Income Tax	6.01M
Effective Tax Rate	17.59%

Stock Price Statistics

The stock price has decreased by -6.89% in the last 52 weeks. The beta is 0.62, so COFS's price volatility has been lower than the market average.

Beta (5Y)	0.62
52-Week Price Change	-6.89%
50-Day Moving Average	29.33
200-Day Moving Average	29.50
Relative Strength Index (RSI)	52.63
Average Volume (20 Days)	96,618

Short Selling Information

The latest short interest is 124,822, so 0.83% of the outstanding shares have been sold short.

Short Interest	124,822
Short Previous Month	185,187
Short % of Shares Out	0.83%
Short % of Float	0.91%
Short Ratio (days to cover)	1.60

Income Statement

In the last 12 months, COFS had revenue of $146.92 million and earned $28.18 million in profits. Earnings per share was $2.01.

Revenue	146.92M
Gross Profit	146.92M
Operating Income	59.39M
Pretax Income	34.19M
Net Income	28.18M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.01

Balance Sheet

The company has $87.99 million in cash and $313.25 million in debt, with a net cash position of -$225.26 million or -$15.02 per share.

Cash & Cash Equivalents	87.99M
Total Debt	313.25M
Net Cash	-225.26M
Net Cash Per Share	-$15.02
Equity (Book Value)	465.35M
Book Value Per Share	31.02
Working Capital	-3.75B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	40.42%
Pretax Margin	23.27%
Profit Margin	19.18%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 3.94%.

Dividend Per Share	$1.16
Dividend Yield	3.94%
Dividend Growth (YoY)	3.64%
Years of Dividend Growth	5
Payout Ratio	56.72%
Buyback Yield	-70.20%
Shareholder Yield	-66.28%
Earnings Yield	6.35%
FCF Yield	n/a

Analyst Forecast

The average price target for COFS is $36.00, which is 21.62% higher than the current price. The consensus rating is "Buy".

Price Target	$36.00
Price Target Difference	21.62%
Analyst Consensus	Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on May 9, 2018. It was a forward split with a ratio of 1.05:1.

Last Split Date	May 9, 2018
Split Type	Forward
Split Ratio	1.05:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2