COFS CHOICEONE FINANCIAL SERVICES INC

$31.91 -1.25%

CHOICEONE FINANCIAL SERVICES INC (COFS) is a financial company in the State Commercial Banks industry, with a market capitalization of $478 million. Shares last traded at $31.91, 6.9% below their 52-week high. Over the past year the stock is up 16.2%. COFS trades at a price-to-earnings ratio of 16.96, above the State Commercial Banks median of 13.35. Net profit margin is 12.4%, below the peer median of 23.1%. Revenue grew 63.6% year over year. The shares yield 5.3% in dividends.

Market Cap

$478M

Shares Out

15.0M

EPS (TTM)

$0.64

P/E Ratio

49.87

P/S Ratio

2.10

P/B Ratio

1.02

Dividend / Share

$1.69

Dividend Yield

5.30%

52-Week High

$34.29

52-Week Low

$26.07

Volume

4,298

Avg Vol (3m)

3,421.73

Performance

-1.50%

+3.32%

+16.56%

-0.05%

YTD

+10.51%

+16.22%

Chart

Full chart →

Daily candles · volume · SMA(20)/SMA(50) · Databento EQUS.MINI.

Technicals

RSI (14)

53.37

SMA (50)

$31.06

SMA (200)

$29.68

Price vs SMA50

+2.77%

Price vs SMA200

+7.53%

ATR (14)

$0.78

Financials

Revenue

$228M

Net Income

$28M

Gross Margin

—

Operating Margin

—

Net Margin

12.4%

Return on Equity

6.0%

Return on Assets

0.6%

Current Ratio

—

Debt / Equity

8.35

Revenue Growth (YoY)

+63.6%

Latest reported annual period ending 2025-12-31 · SEC EDGAR/XBRL.

Recent earnings

Period	EPS (diluted)	Reported
Q1 2026	$0.91	2026-05-11
FY 2025	$2.01	2026-03-13
Q3 2025	$1.05	2025-11-10
Q2 2025	$-0.03	2025-08-08
Q1 2026	$-1.29	2026-05-11
FY 2025	$3.25	2026-03-13

Full earnings history →

State Commercial Banks peers

COFS vs 14 industry peers (State Commercial Banks), by market cap.

P/E vs peers

16.96 / 13.35 med

+27% premium

P/S vs peers

2.10 / 3.62 med

-42% discount

Net margin vs peers

12.4% / 23.1% med

below median

1–14 of 14


BNY	BNY Mellon	$98.6B	17.76	4.91	27.6%	-1.68%
FITB	Fifth Third Bancorp	$47.8B	18.95	—	—	+0.23%
STT	State Street Corporation	$46.6B	15.82	3.34	21.1%	-1.66%
MTB	M&T Bank	$33.0B	11.57	—	—	-0.25%
NTRS	Northern Trust	$31.9B	18.34	6.35	34.6%	-1.62%
CFG	Citizens Financial Group	$28.4B	15.49	—	—	+0.40%
FCNCA	First Citizens Bancshares Inc /De/	$24.7B	11.21	2.59	23.1%	-0.80%
EWBC	East West Bancorp Inc	$17.4B	13.11	—	—	-0.38%
ALLY	Ally Financial Inc.	$13.9B	16.37	11.21	68.5%	-0.03%
WTFC	Wintrust Financial Corp	$10.4B	12.61	—	—	+0.00%
BPOP	Popular, Inc.	$10.3B	12.33	—	—	+0.31%
SSB	Southstate Bank Corp	$9.4B	11.80	—	—	+0.66%
COLB	Columbia Banking System, Inc.	$8.8B	16.07	—	—	+1.60%
WAL	Western Alliance Bancorporation	$8.7B	8.99	—	—	+1.74%

Source: SEC EDGAR (fundamentals/EPS/dividends) · Databento EQUS.MINI (prices) · market cap & yield computed by tradmap. Informational only — not financial advice.