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Choiceone financial services, inc.COFS.US Overview

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COFS Recent Performance

1.92%

Choiceone financial services, inc.

0.23%

Avg of Sector

-0.49%

S&P500

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COFS Key Information

COFS Valuation Metrics

COFS Profile

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

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COFS FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

COFS Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.73
PE Ratio (TTM)
15.31
Forward PE
7.79
PS Ratio (TTM)
3.14
PB Ratio
0.97
Price-to-FCF
10.15
METRIC
VALUE
vs. INDUSTRY
Gross Margin
70.75%
Net Margin
30.63%
Revenue Growth (YoY)
103.82%
Profit Growth (YoY)
44.20%
3-Year Revenue Growth
37.13%
3-Year Profit Growth
-100.00%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
3.73
PE Ratio (TTM)
15.31
Forward PE
7.79
PS Ratio (TTM)
3.14
PB Ratio
0.97
Price-to-FCF
10.15
Gross Margin
70.75%
Net Margin
30.63%
Revenue Growth (YoY)
103.82%
Profit Growth (YoY)
44.20%
3-Year Revenue Growth
37.13%
3-Year Profit Growth
-100.00%

  • When is COFS's latest earnings report released?

    The most recent financial report for Choiceone financial services, inc. (COFS) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating COFS's short-term business performance and financial health. For the latest updates on COFS's earnings releases, visit this page regularly.

  • Where does COFS fall in the P/E River chart?

    According to historical valuation range analysis, Choiceone financial services, inc. (COFS)'s current price-to-earnings (P/E) ratio is 7.7, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • How is COFS's revenue growth?

    In the latest financial report, Choiceone financial services, inc. (COFS) announced revenue of 53.28M, with a Year-Over-Year growth rate of 194.83%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does COFS have?

    At the end of the period, Choiceone financial services, inc. (COFS) held Total Cash and Cash Equivalents of 84.22M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Is COFS's EPS continuing to grow?

    According to the past four quarterly reports, Choiceone financial services, inc. (COFS)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.91. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of COFS?

    Choiceone financial services, inc. (COFS)'s Free Cash Flow (FCF) for the period is 11.92M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 48.96% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of COFS?

    The latest valuation data shows Choiceone financial services, inc. (COFS) has a Price-To-Earnings (PE) ratio of 7.7 and a Price/Earnings-To-Growth (PEG) ratio of -7.09. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.