Stock Scorecard
Stock Summary for Choiceone Financial Services Inc (COFS) - $33.80 as of 9/15/2026 9:07:02 PM EST
Total Score
18 out of 30
Safety Score
61 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for COFS
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for COFS
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for COFS
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for COFS
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for COFS (61 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 2 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for COFS
Financial Details for COFS
Company Overview |
|
|---|---|
| Ticker | COFS |
| Company Name | Choiceone Financial Services Inc |
| Country | USA |
| Description | ChoiceOne Financial Services, Inc. is ChoiceOne Bank's banking holding company providing community banking services to corporations, associations and individuals in Michigan. The company is headquartered in Sparta, Michigan. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2026 |
| Next Earnings Date | 10/23/2026 |
Stock Price History |
|
| Last Day Price | 33.80 |
| Price 4 Years Ago | 25.31 |
| Last Day Price Updated | 9/15/2026 9:07:02 PM EST |
| Last Day Volume | 68,538 |
| Average Daily Volume | 71,528 |
| 52-Week High | 34.70 |
| 52-Week Low | 25.14 |
| Last Price to 52 Week Low | 34.45% |
Valuation Measures |
|
| Trailing PE | 9.03 |
| Industry PE | 24.79 |
| Sector PE | 22.72 |
| 5-Year Average PE | 10.77 |
| Free Cash Flow Ratio | 5.70 |
| Industry Free Cash Flow Ratio | 14.42 |
| Sector Free Cash Flow Ratio | 60.94 |
| Current Ratio Most Recent Quarter | 0.17 |
| Total Cash Per Share | 5.93 |
| Book Value Per Share Most Recent Quarter | 32.28 |
| Price to Book Ratio | 1.06 |
| Industry Price to Book Ratio | 1.24 |
| Sector Price to Book Ratio | 1.85 |
| Price to Sales Ratio Twelve Trailing Months | 3.01 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.51 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.04 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 14,955,500 |
| Market Capitalization | 505,495,900 |
| Institutional Ownership | 47.61% |
Dividends |
|
| Ex-Dividend Date | 9/15/2026 |
| Previous Dividend Amount | 0.2900 |
| Current Dividend Amount | 0.2900 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.15 |
| Trailing Annual Dividend Yield | 3.38% |
| Forward Annual Dividend Rate | 1.16 |
| Forward Annual Dividend Yield | 3.41% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.90% |
| 5-Year Average Dividend Yield | 3.77% |
| 1-Year Dividend Growth Rate Percentage | 2.65% |
| 3-Year Dividend Growth Rate Percentage | 1.32% |
| 5-Year Dividend Growth Rate Percentage | 3.52% |
| All-Time Dividend Growth Rate Percentage | 2.91% |
| Dividend Payout Ratio | 30.42% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -7.80% |
| Annual Earnings Growth | 5.42% |
| Reported EPS 12 Trailing Months | 3.78 |
| Reported EPS Past Year | 1.84 |
| Reported EPS Prior Year | 3.66 |
| Net Income Twelve Trailing Months | 54,715,000 |
| Net Income Past Year | 28,176,000 |
| Net Income Prior Year | 26,727,000 |
| Quarterly Revenue Growth YOY | -2.60% |
| 5-Year Revenue Growth | 19.72% |
| Operating Margin Twelve Trailing Months | 41.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 88,649,000 |
| Total Cash Past Year | 87,988,000 |
| Total Cash Prior Year | 96,401,000 |
| Net Cash Position Most Recent Quarter | 40,097,000 |
| Net Cash Position Past Year | 19,528,000 |
| Long Term Debt Past Year | 68,460,000 |
| Long Term Debt Prior Year | 55,752,000 |
| Total Debt Most Recent Quarter | 48,552,000 |
| Equity to Debt Ratio Past Year | 0.87 |
| Equity to Debt Ratio Most Recent Quarter | 0.91 |
| Total Stockholder Equity Past Year | 465,353,000 |
| Total Stockholder Equity Prior Year | 260,415,000 |
| Total Stockholder Equity Most Recent Quarter | 482,679,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 52,330,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.50 |
| Free Cash Flow Past Year | 25,187,000 |
| Free Cash Flow Prior Year | 46,940,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.08 |
| MACD Signal | 0.03 |
| 20-Day Bollinger Lower Band | 30.03 |
| 20-Day Bollinger Middle Band | 32.57 |
| 20-Day Bollinger Upper Band | 35.11 |
| Beta | 0.62 |
| RSI | 54.24 |
| 50-Day SMA | 28.05 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 26.32 |
System |
|
| Modified | 9/15/2026 9:07:04 PM EST |