ChoiceOne Financial Services Inc (COFS)
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Appears in These Scanners
This stock currently matches 12 of our scanner strategies — each hit links to the scanner.
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 34.20 $ — 95% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/04/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AAQS
6/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 23.8%
- Exp. sales growth 3Y > 5% -2.9%
- EBIT growth 10Y > 5% 17.1%
- Exp. EBIT growth 3Y > 5% 36.3%
- Net debt < 4x EBIT 2.7x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 7.6%
- Return on equity > 15% 9.2%
- ROCE > 15% 6.0%
- Expected return > 10% –
View all AAQS quality stocks · Read the methodology at AlleAktien
Source: fundamental data
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 29.3% passed
- More than 10% revenue growth is expected for the coming year 3.7% failed
- Share count grows by less than 3% a year 23.0% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 51.7% passed
- Gross margin at 40% or higher and without meaningful erosion 58.2% failed
- Goodwill from acquisitions does not grow faster than revenue 2.9% failed
- Net debt below twice EBITDA 1.7 x EBITDA passed
- Operating cash flow covers the profits of the last three years 51 m passed
- Return on capital at 15% or higher, or up versus two years ago 6.1% passed
- Insiders hold at least 10% or are net buyers 6.5% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 8.2% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.67 | 3.60 – 3.70 | 175 | -0.4% | 3 |
| 12/31/2027 | 3.74 | 3.62 – 3.80 | 182 | 2.0% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 0.93 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.84 | 19.70 | 36 | 12.60 | 19.90 | 24 | 23 |
| 2025: Q1 | -1.29 | -274.70 | 45 | 38.20 | -31.00 | -7 | -7 |
| 2025: Q2 | 0.90 | 3.90 | 60 | 77.60 | 22.40 | 9 | 7 |
| 2025: Q3 | 0.97 | 12.80 | 62 | 69.20 | 23.70 | 15 | 14 |
| 2025: Q4 | 0.92 | 9.80 | 61 | 67.80 | 22.90 | 14 | 12 |
| 2026: Q1 | 0.91 | – | 59 | 31.70 | 23.20 | 0 | -2 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 28 | 8 | 6 | 1.68 | 11 | 72 | 607 |
| 2017 | 29 | 9 | 6 | 1.70 | 8 | 77 | 647 |
| 2018 | 31 | 8 | 7 | 2.02 | 10 | 80 | 671 |
| 2019 | 42 | 8 | 7 | 1.58 | 9 | 192 | 1,386 |
| 2020 | 78 | 19 | 16 | 2.07 | 8 | 227 | 1,919 |
| 2021 | 84 | 27 | 22 | 2.86 | 38 | 222 | 2,367 |
| 2022 | 89 | 28 | 24 | 3.14 | 45 | 169 | 2,386 |
| 2023 | 114 | 26 | 21 | 2.81 | 46 | 196 | 2,577 |
| 2024 | 139 | 33 | 27 | 3.25 | 49 | 260 | 2,723 |
| 2025 | 193 | 34 | 28 | 2.01 | 32 | 465 | 4,411 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
ChoiceOne Financial Services, Inc. ist die Bankholding der ChoiceOne Bank, die verschiedene Bankdienstleistungen in Michigan anbietet.
| Employees | 577 |
|---|---|
| Headquarters | Sparta, MI |
| Address | 109 East Division Street, 49345 Sparta, United States |
| Phone | 616 887 7366 |
| Website | choiceone.bank |
| IPO Date | 31. Dec 2001 |
| ISIN | US1703861062 |
| Stock Split | 105:100 on 05/09/2018 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Kelly J. Potes CFP | CEO & Director | 1962 |
| Michael J. Burke Jr. | President & Director | 1970 |
| Adom J. Greenland CPA | CFO, Executive VP, Secretary & Treasurer | 1981 |
| Bradley A. Henion | Executive VP & Chief Lending Officer | 1970 |
| Robert G. Michel | SVP & Operations Officer | – |
| Shelly M. Childers | Senior VP & Chief Information Officer | 1963 |
| Bart E. Jonker | SVP of Risk Management & Compliance Officer | – |
| Danielle Chateauvert | Vice President of Marketing | – |
| Lee A. Braford | Senior VP & Chief Credit Officer of ChoiceOne Bank | 1961 |
| Steven M. DeVolder | Senior VP & Senior Trust Officer | 1960 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: August 3, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.