ChoiceOne Financial Services Inc.

COFS | NASDAQ

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$32.96

-$0.38 (-1.14%)

At close: Sep 21, 2026, 4:00 PM ET

$32.96

$0 (0.00%)

After-hours: Sep 21, 2026, 4:10 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $498.45M

Enterprise Value $192.04M

Beta 0.62

Average Volume 87.14K

Shares Outstanding (Diluted) N/A

Shares Change YoY 0.21%

Institutional Ownership 45.28%

Exchange NASDAQ

ISIN US1703861062

Price Performance

Price Change 1M -0.1%

Price Change 3M 0.9%

Price Change 6M 19.6%

Price Change YTD 13.8%

Price Change 1Y 11.2%

Price Change 3Y 44.8%

Price Change 5Y 32.2%

1M CAGR (ann.) -2.1%

1Y CAGR (ann.) 15.8%

5Y CAGR (ann.) 10.3%

All-Time CAGR 8.1%

Valuation

PE Ratio 9.08

Forward PE 9.64

PEG Ratio 0.03

Forward PEG 8.47

PS Ratio 2.70

Forward PS 2.70

PB Ratio 1.02

P/FCF Ratio 16.00

P/Adj. FCF Ratio 16.53

P/OCF Ratio 8.37

EV/Sales 1.05

EV/EBIT 5.47

EV/EBITDA 4.18

EV/FCF 6.24

Earnings Yield 11.0%

FCF Yield 6.3%

Adj. FCF Yield 6.0%

Financial Health

Net Cash $300.72M

Total Debt $343.5M

Cash & Short-Term Investments $644.22M

Total Assets $4.46B

Current Ratio 0.17

Quick Ratio 0.17

Debt / Equity Ratio 0.71

Debt / EBITDA 7.48

Debt / FCF 11.16

OCF / Debt 0.11

Interest Coverage 0.51

Altman Z-Score -0.70

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 62.3%

Operating Profit Margin 19.2%

EBITDA Margin 25.1%

Net Profit Margin 30.0%

FCF Margin 16.9%

Adj. FCF Margin 16.3%

SBC / Revenue 0.4%

SBC Impact (per share) -3.2%

Returns

Return on Assets 1.2%

Return on Equity 11.7%

Return on Invested Capital 3.4%

Return on Capital Employed 6.3%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 22.8%

Revenue CAGR 5Y 16.9%

Revenue CAGR 10Y 21.0%

EPS CAGR 3Y 5.4%

EPS CAGR 5Y 8.1%

EPS CAGR 10Y 9.4%

FCF CAGR 3Y -14.8%

FCF CAGR 5Y 23.5%

FCF CAGR 10Y 18.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 3

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $51.24

Graham Upside 55.5%

Lynch Fair Value $29.37

Lynch Upside -10.9%

Price Target $38

Price Target Upside 15.3%

Cash Flow

Operating Cash Flow $38.11M

Free Cash Flow $30.79M

Adj. Free Cash Flow $29.8M

FCF Per Share $3.69

OCF Per Share $3.94

OCF/S Ratio 32.4%

Income Statement

Revenue $182.65M

Gross Profit $113.75M

Operating Income $35.11M

EBITDA $45.94M

Net Income $54.72M

EPS (Diluted) $3.63

Revenue / Employee $316.56K

Profit / Employee $94.83K

Employees 577

Dividends

Annual Dividend $1.16

Dividend Yield 3.52%

Payout Ratio 32.0%

FCF Payout Ratio 55.5%

Adj. FCF Payout Ratio 57.4%

Dividend Growth (YoY) 3.6%

Pay Frequency Quarterly

Ex-Dividend Date Sep 14, 2026