CHOICEONE FINANCIAL (COFS)

Price$31.00

Value ScoreB

Growth ScoreB

Momentum ScoreC

Favorite Metrics

Price vs S&P 500 (26W)-6.33%

Price vs S&P 500 (4W)-2.36%

VGM Score55.61

Market Capitalization$470.22M

P/E Ratio (Annual)16.69x

Indicated Dividend Yield (Annual)3.69%

All Metrics

P/CF (Annual)14.78x

Book Value / Share (Quarterly)$31.42

P/TBV (Annual)1.02x

Indicated Dividend (Annual)$1.16

Revenue Growth (3Y)32.22%

Cash Flow / Share (Quarterly)$2.06

Payout Ratio (TTM)30.64%

Price vs S&P 500 (YTD)-4.57%

Net Profit Margin (TTM)27.86%

EPS (TTM)$3.71

10-Day Avg Trading Volume0.08M

EPS Excl Extra (TTM)$3.71

Revenue Growth (5Y)27.77%

EPS (Annual)$2.01

Dividend / Share (Annual)$1.41

ROI (Annual)3.71%

Net Profit Margin (5Y Avg)25.19%

Cash / Share (Quarterly)$19.14

P/E Basic Excl Extra (TTM)8.43x

Revenue Growth QoQ (YoY)36.40%

EPS Growth (5Y)-0.58%

P/E Normalized (Annual)16.69x

ROA (Last FY)0.64%

Revenue Growth TTM (YoY)28.65%

EBITD / Share (TTM)$6.11

ROE (5Y Avg)10.22%

Cash Flow / Share (Annual)$1.68

P/B Ratio1.00x

P/B Ratio (Quarterly)0.90x

Net Income / Employee (Annual)$55,800

ROA (TTM)1.28%

EPS Growth QoQ (YoY)16.14%

EV / EBITDA (TTM)7.18x

EPS Incl Extra (Annual)$2.01

3-Month Avg Trading Volume0.08M

52-Week Price Return6.30%

EV / Free Cash Flow (Annual)20.60x

P/E Incl Extra (TTM)8.43x

Tangible BV / Share (Quarterly)$29.45

P/S Ratio (Annual)2.33x

52-Week High$35.40

EPS Excl Extra (Annual)$2.01

CapEx CAGR (5Y)29.07%

Tangible BV CAGR (5Y)14.37%

26-Week Price Return9.60%

13-Week Price Return6.37%

Total Debt / Equity (Annual)0.63x

Enterprise Value$518.77M

Revenue / Share Growth (5Y)6.70%

Book Value / Share Growth (5Y)1.27%

Revenue / Employee (Annual)$249,650,300,000

Pretax Margin (Annual)33.98%

Cash / Share (Annual)$5.80

3-Month Return Std Dev23.51%

Net Income / Employee (TTM)$110,500

EBITDA CAGR (5Y)30.77%

EBITDA Interim CAGR (5Y)32.91%

ROE (Last FY)6.05%

EPS Basic Excl Extra (Annual)$2.01

P/FCF (TTM)14.47x

EV / Free Cash Flow (TTM)16.85x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$3.71

ROI (TTM)11.10%

Dividend Growth Rate (5Y)11.45%

P/S Ratio (TTM)2.34x

Pretax Margin (5Y Avg)29.91%

Revenue / Share (Annual)$10.81

Tangible BV / Share (Annual)$28.95

Forward P/E8.62x

Free OCF CAGR (5Y)30.60%

Price vs S&P 500 (52W)-21.91%

P/E Ratio (TTM)8.43x

EPS Growth TTM (YoY)206.86%

Year-to-Date Return6.37%

5-Day Price Return-0.13%

EPS Normalized (Annual)$2.01

ROA (5Y Avg)0.87%

Net Profit Margin (Annual)29.05%

Month-to-Date Return4.56%

Cash Flow / Share (TTM)$4.65

EBITD / Share (Annual)$2.70

EPS Growth (3Y)-13.76%

LT Debt / Equity (Annual)0.10x

P/CF (TTM)12.34x

ROI (5Y Avg)7.02%

P/E Excl Extra (TTM)8.43x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$3.71

P/TBV (Quarterly)0.95x

Payout Ratio (Annual)60.15%

P/B Ratio (Annual)0.95x

Dividend / Share (TTM)$1.14

Pretax Margin (TTM)33.05%

Book Value / Share (Annual)$31.02

Price vs S&P 500 (13W)-3.38%

Net Margin Growth (5Y)5.27%

Dividend Yield (TTM)3.64%

Beta0.63x

P/FCF (Annual)18.67x

Revenue / Share (TTM)$10.76

ROE (TTM)12.28%

52-Week Low$26.10

vGradeB

gGradeB

mGradeC

vgmGradeC

Show chart for

Earnings Surprise History

Q1 260.91est. 0.86

Analyst Recommendations

Feb 2026

Mar 2026

Apr 2026

May 2026

4.00

Industry Peers — State Banks(184)

Symbol	Value Score	Growth Score	Momentum Score	Price
COFSCHOICEONE FINANCIAL	B	B	C	$31.00
BNSBank of Nova Scotia	C	C	B	$78.61
BKBank of New York Mellon Corporation	D	B	A	$137.16
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	F	$7.79
DBDeutsche Bank Aktiengesellschaft	B	B	F	$32.19
FITBIFifth Third Bancorp Depositary Shares	D	C	C	$25.71
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	D	C	C	$26.26
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	D	C	C	$18.52
FITBFifth Third Bancorp	D	C	C	$48.56
STTState Street Corporation	C	C	A	$159.79
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	F	$3.47

About

ChoiceOne Financial Services Inc is a full-service community bank providing comprehensive banking solutions to individuals and businesses across Michigan. The institution offers deposit products, consumer and commercial lending, specialized financing for agriculture and real estate, and treasury services, operating through multiple offices in seven counties across western Michigan (Kent, Muskegon, Newaygo, Ottawa) and southeastern Michigan (Lapeer, Macomb, St. Clair).