ChoiceOne Financial Services Inc
COFS
NASDAQ
Banking
$33.83
USD
-0.54 (-1.57%)
At close: Jul 30, 2026, 4:00 PM EDT
Market Cap $512.75M
Volume 36.6K
About ChoiceOne Financial Services Inc
ChoiceOne Financial Services, Inc. is a holding company, which engages in the provision of a variety of deposit, payment, credit, and other financial services to all types of customers, through its subsidiary, ChoiceOne Bank. The company is headquartered in Sparta, Michigan and currently employs 505 full-time employees. The company went IPO on 2001-06-21. The company operates 56 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair, Macomb, Genesee, Jackson, Livingston, Ingham, Saginaw, Shiawassee, and Bay counties. The company offers deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, and demand deposits, safe deposit services, and automated transaction machine services. Commercial lending covers such categories as business, industry, agricultural, construction, inventory, and real estate. The company provides services to small businesses and consumers in West, Central and Southeast Michigan a line of products and services delivered through a retail network including digital and branch banking. The company offers insurance and investment products through ChoiceOne Insurance Agencies, Inc.
CEO
Mr. Kelly Potes
HQ
Sparta, MICHIGAN, US
Founded
2001
Employees
505
Quantli Score
8.4
Outperform
Fin. Health
8.1
Profitability
7.6
Growth
9.0
Cash-Flow Q.
8.8
Key Metrics
7 metrics our research team weighs before forming a view on COFS.
Based on Quantli research · SEC filings · as of Q1 2026
METRIC
VALUE
CHANGE
TREND (3Y)
Revenue Growth (TTM)
59.6%
+34.7 pp
Gross Margin (TTM)
71.5%
+3.4 pp
Operating Margin (TTM)
28.3%
+22.6 pp
Net Margin (TTM)
23.1%
+18.3 pp
ROE (TTM)
11.9%
+10.2 pp
EPS Growth (TTM)
206.6%
+263.1 pp
Free Cash Flow (TTM)
$30.79M
+52.9%
Financial Snapshot
Revenue
$241.83M
+59.6%
YoY
Gross Margin
72%
TTM
+5.0%
YoY
Net Income
$55.79M
+676.2%
YoY
Operating Cash Flow
$38.11M
+70.3%
YoY
Key Statistics
Open
$34.42
Previous Close
$34.37
Day Range
$33.67 - $34.65
52 Week Range
$26.10 - $35.40
Volume
36.6K
Average Volume (10 Days)
110.0K
Market Cap
$512.75M
P/E Ratio (TTM)
9.19
P/S Ratio (TTM)
2.12
Dividend Yield
3.33%
Valuation Measurement
Market Cap
$512.75M
Trailing P/E
9.19
Price / Sales
2.12
Price / Book
1.09
Financial Highlights
Profit Margin
23.1%
Return on Assets
1.3%
Return on Equity
11.9%
Revenue (TTM)
$241.83M
Net Income (TTM)
$55.79M
Diluted EPS (TTM)
$3.74
Total Cash (MRQ)
$83.87M
Levered FCF (TTM)
$30.79M
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