COFS

$27.54

Post-MarketAs of Mar 17, 8:00 PM UTC

ChoiceOne Financial Services, Inc.

Historical Price

Price (Line)
Synthesizing Whystock Narrative...
Loading Financials...

Peer Comparison

JPMBACGS

Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$27.54
Potential Upside
42.7%
Whystock Fair Value$39.30
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryBanks - Regional

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...

Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$413.75M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
13.70
Beta
Defensive asset. Lower volatility than the S&P 500.
0.62
Div Yield
Strong income play. Yield provides a meaningful total return floor.
421.00%
ROIC
Average efficiency. Growth may require heavy reinvestment.
7.76%
Quick Ratio
Tight liquidity. Monitor cash flow carefully against debt.
-

Recent News

Zacks
Jan 30, 2026

ChoiceOne Financial Services, Inc. (COFS) Q4 Earnings Beat Estimates

ChoiceOne Financial Services (COFS) delivered earnings and revenue surprises of +1.66% and -2.19%, respectively, for the quarter ended December 2025. Do the numbers hold clues to what lies ahead for the stock?

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Jan 28, 2026

Dividend Stocks To Consider In January 2026

As the S&P 500 reaches new heights and the tech-heavy Nasdaq experiences a significant rally, investors are navigating a mixed market landscape where economic growth remains strong but consumer sentiment is low. Amidst this backdrop, dividend stocks continue to attract attention for their potential to provide steady income and stability in portfolios.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Jan 3, 2026

Several Insiders Invested In ChoiceOne Financial Services Flagging Positive News

When a single insider purchases stock, it is typically not a major deal. However, when multiple insiders purchase...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Dec 7, 2025

ChoiceOne Financial Services' (NASDAQ:COFS) Upcoming Dividend Will Be Larger Than Last Year's

ChoiceOne Financial Services, Inc. ( NASDAQ:COFS ) has announced that it will be increasing its periodic dividend on...

NEUTRAL
Neutral flow. Standard news cycle with no clear sentiment tilt.
Simply Wall St.
Dec 4, 2025

3 Dividend Stocks Yielding Between 3% And 5.8% For Steady Income

As the major U.S. stock indexes continue to rise, with the Dow Jones Industrial Average nearing a record high despite recent concerns over private employment declines, investors are seeking stable opportunities amidst fluctuating economic signals. In this environment, dividend stocks offering yields between 3% and 5.8% can provide a reliable source of income, appealing to those looking for steady returns in an unpredictable market landscape.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.