ChoiceOne Financial Services share price logo

ChoiceOne Financial Services

NASDAQ: COFS

Small Cap

$33.05

-0.36

(-1.09%)

Live

as on

ChoiceOne Financial Services Stock Performance

as on September 19, 2026 at 5:14 am IST

  • Day's Low

    Day's High

    $32.62
    $33.20
    downward going graph

    1.30%

    Downside

    0.45%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $26.10
    $35.40
    downward going graph

    21.04%

    Downside

    7.11%

    Upside

    downward going graph

ChoiceOne Financial Services share price movements today

Previous Close
$33.41
Open
$33.20
Volume
173.1K
Market Cap
$505.5M
Dividend Yield
3.48%
Day's Low - High
$32.62 - $33.20
52 Week Low - High
$26.10 - $35.40

ChoiceOne Financial Services Historical Returns

1 Month Return
-1.82 %
3 Month Return
+ 4.83 %
1 Year Return
+ 10.12 %
3 Year Return
+ 45.83 %
5 Year Return
+ 30.41 %

ChoiceOne Financial Services Stock Fundamentals & Key Indicators

Check ChoiceOne Financial Services market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$505.5M

EPS (TTM)

3.64

Dividend Yield

3.48%

Quarterly Earnings Growth YOY

-0.08%

PE Ratio (TTM)

9.29

Industry PE ratio

11.13

PEG Ratio

0.03005194805194805

EBITDA

45.9M

Revenue (TTM)

182.7M

Profit Margin

62.28%

Return On Equity TTM

11.72%

ChoiceOne Financial Services Stock Valuation

Track how ChoiceOne Financial Services P/E has moved over time to understand its valuation trends.

ChoiceOne Financial Services in the last 5 years

  • Overview

  • Trends

Lowest (9.21x)

December 31, 2022

Industry (11.13x)

December 31, 2025

Today (14.61x)

December 31, 2025

Highest (14.61x)

December 31, 2025

LowHigh

Today’s Price to Earnings Ratio: 14.61x

ChoiceOne Financial Services vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of ChoiceOne Financial Services with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %Dividend Yield %
SELL$505.5M30.41%9.2962.28%3.48%
BUY$134.3B275.25%15.1829.14%1.68%
HOLD$96.9B5.68%12.0363.78%3.48%
NA$156.2BNA6.9587.19%4.42%
BUY$101.1B44.29%17.1968.53%0.89%

Stock Returns calculator for ChoiceOne Financial Services Stock including INR - Dollar returns

The ChoiceOne Financial Services stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

  • 5Y

ChoiceOne Financial Services investment value today

Current value as on today

₹1,18,400

Returns

₹18,400

(+18.4%)

Returns from ChoiceOne Financial Services Stock

₹8,932 (+8.93%)

Dollar Impact

₹9,468 (+9.47%)

Analyst Recommendation on ChoiceOne Financial Services Stock

Based on 1 analysts

SELL

100.00%

Buy

0.00%

Hold

0.00%

Sell

Based on 1 analysts, 100% of analysts recommend a 'SELL' rating for ChoiceOne Financial Services. Average target price of $37

ChoiceOne Financial Services Share Price Target

Get share price movements and forecasts by analysts on ChoiceOne Financial Services.

What analysts predicted

10.68%UPSIDE

Target Price

$37

Current Price

$33.05

Analyzed by

1 Analysts

Target

$37.00

ChoiceOne Financial Services target price $37, a slight upside of 10.68% compared to current price of $33.05. According to 1 analysts rating.

Indian Investors' Interest in ChoiceOne Financial Services Stock

Search interest for ChoiceOne Financial Services Stock has decreased by -33% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-33% versus previous 30 day period

ChoiceOne Financial Services Quarterly Profit & Loss

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Total Revenue
32
34
36
36
44
60
61
60
59
1
Gross Profit
20
22
24
24
18
42
44
42
42
-15
Operating Income
6
8
9
8
-17
16
18
16
16
-16
EBITDA
9
11
12
11
-13
22
23
22
21
-21
Interest Expense
11
11
11
11
13
17
17
17
16
17
Depreciation
3
3
3
3
3
5
5
5
4
-4
Income Before Tax
6
8
9
8
-17
16
18
16
16
15
Income Tax Expense
1
1
1
1
-3
3
3
2
2
2
Net Income
5
6
7
7
-13
13
14
13
13
12
Net Profit Margin
63.19%
65.99%
67.54%
67.00%
40.26%
69.79%
72.02%
69.68%
71.85%
-1231.71%

ChoiceOne Financial Services Annual Profit & Loss

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
28
31
41
78
83
89
113
139
192
Gross Profit
26
28
36
69
79
81
80
91
112
Operating Income
8
8
8
18
26
27
25
33
34
EBITDA
11
10
11
26
38
41
37
45
54
Interest Expense
1
2
4
4
3
7
33
46
65
Depreciation
2
2
3
7
12
13
12
12
19
Income Before Tax
8
8
8
18
26
27
25
33
34
Income Tax Expense
2
1
1
3
4
4
4
6
6
Net Income
6
7
7
15
22
23
21
26
28
Net Profit Margin
93.22%
92.06%
88.71%
88.98%
94.76%
91.03%
70.81%
66.00%
58.16%

ChoiceOne Financial Services Quarterly Cash Flow

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Net Income
5
6
7
7
-13
13
14
13
13
12
Operating Cash Flow
15
15
-6
24
-6
8
15
14
0
29
Investing Cash Flow
7
-3
-60
-41
256
10
-42
-118
14
-64
Financing Cash Flow
71
-61
111
-31
-207
-2
-30
93
-18
39
Change in Cash
94
-49
44
-49
42
16
-57
-10
-3
4

ChoiceOne Financial Services Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Net Income
6
7
7
15
22
23
21
26
28
Operating Cash Flow
8
9
9
8
37
44
46
48
31
Investing Cash Flow
-18
-43
36
-250
-521
-89
-181
-97
106
Financing Cash Flow
32
16
-5
262
436
57
296
90
-147
Change in Cash
22
-17
39
19
-47
12
161
41
-8

Mutual Funds that own ChoiceOne Financial Services Stock

Check out the Mutual Funds with significant holdings in ChoiceOne Financial Services.

Funds
Holdings
Shares Held
VANGUARD INDEX FUNDS
4.123922%
616754
Fidelity Salem Street Trust
1.09613%
163932
Fidelity Concord Street Trust
0.952176%
142403
DFA INVESTMENT DIMENSIONS GROUP INC
0.830094%
124145
John Hancock Investment Trust II
0.700684%
104791

Global Institutional Holdings in ChoiceOne Financial Services

Funds
Holdings
Vanguard
4.82%
iShares
4.02%
Avantis
1.97%
George Davis Jr
1.52%
SPDR
1.12%

Insights on ChoiceOne Financial Services

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Price Rise

    img

    In the last 6 months, COFS stock has moved up by 23.6%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 209.2% return, outperforming this stock by 163.4%

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Mizuho Financial Group, Inc. American Depositary Shares Each representing one-fifth of an Ordinary Share has given 68.2% return, outperforming this stock by 58.1%

  • imgNEGATIVE IMPACT

    Revenue Fall

    img

    Revenue is down for the last 4 quarters, 61.84M → 1.24M (in $), with an average decrease of 34.1% per quarter

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Netprofit is down for the last 4 quarters, 14.68M → 12.46M (in $), with an average decrease of 5.3% per quarter

About ChoiceOne Financial Services

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.
OrganisationChoiceOne Financial Services
Headquarters109 East Division Street, Sparta, MI, United States, 49345
IndustryBanks - Regional
CEOMr. Kelly J. Potes CFP
E-voting on sharesClick here to vote

Key Management of ChoiceOne Financial Services

Name

Title

Mr. Robert G. Michel

SVP & Operations Officer

Mr. Lee A. Braford

Senior VP & Chief Credit Officer of ChoiceOne Bank

Mr. Steven M. DeVolder

Senior VP & Senior Trust Officer

Mr. Michael J. Burke Jr.

President & Director

Mr. Adom J. Greenland CPA

CFO, Executive VP, Secretary & Treasurer

Mr. Bradley A. Henion

Executive VP & Chief Lending Officer

Ms. Shelly M. Childers

Senior VP & Chief Information Officer

Mr. Bart E. Jonker

SVP of Risk Management & Compliance Officer

Danielle Chateauvert

Vice President of Marketing

Mr. Kelly J. Potes CFP

CEO & Director

FAQs

What is ChoiceOne Financial Services share price today?

ChoiceOne Financial Services share price today is $33.05 as on . ChoiceOne Financial Services share today touched a day high of $33.20 and a low of $32.62.

What is the 52 week high and 52 week low for ChoiceOne Financial Services share?

ChoiceOne Financial Services share touched a 52 week high of $35.40 on and a 52 week low of $26.10 on . ChoiceOne Financial Services stock price today i.e. is trending at $33.05,which is 6.64% down from its 52 week high and 26.65% up from its 52 week low.

What is ChoiceOne Financial Services's market capitalisation today?

ChoiceOne Financial Services market capitalisation is $0.00T as on .

How to invest in ChoiceOne Financial Services Stock (COFS) from India?

  1. Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
  2. Step 2: Search for ChoiceOne Financial Services on INDmoney app. Click on Buy button. You can invest as low as $1.5 in ChoiceOne Financial Services Shares that will get you 0.0454 shares as per ChoiceOne Financial Services share price of $33.05 per share as on September 18, 2026 at 11:44 pm IST.

What is the minimum amount required to buy ChoiceOne Financial Services Stock (COFS) from India?

Indian investors can start investing in ChoiceOne Financial Services (COFS) shares with as little as ₹95.8725 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹958.73 in ChoiceOne Financial Services stock (as per the Rupee-Dollar exchange rate as on ). Based on ChoiceOne Financial Services share’s latest price of $33.05 as on September 18, 2026 at 11:44 pm IST, you will get 0.3026 shares of ChoiceOne Financial Services. Learn more about fractional shares .

What are the returns that ChoiceOne Financial Services has given to Indian investors in the last 5 years?

ChoiceOne Financial Services stock has given 30.41% share price returns and 30.29% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?