CHOICEONE FINANCIAL (COFS) Stock Price

COFSStock

$33.36+8.10%52W

Market Cap$498.92M

P/E18.30x

PEG Ratio-1.29

Div yield4.13%

Beta0.63

COFS Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)4.31%

Price vs S&P 500 (4W)-4.03%

PEG Ratio-1.29

VGM Score55.45

P/E Ratio (Annual)18.30x

Indicated Dividend Yield (Annual)4.13%

P/CF (Annual)16.21x

Book Value / Share (Quarterly)$32.29

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)0.19%

Net Profit Margin (TTM)27.86%

EPS (TTM)$3.63

10-Day Avg Trading Volume0.07M

EPS Excl Extra (TTM)$3.63

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)9.42x

Revenue Growth QoQ (YoY)36.40%

EPS Growth (5Y)-0.58%

P/E Normalized (Annual)18.30x

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 Ratio1.07x

P/B Ratio (Quarterly)1.05x

Net Income / Employee (Annual)$55,800

ROA (TTM)1.25%

EPS Growth QoQ (YoY)-7.80%

EV / EBITDA (TTM)7.18x

EPS Incl Extra (Annual)$2.01

3-Month Avg Trading Volume0.09M

52-Week Price Return8.10%

EV / Free Cash Flow (Annual)22.40x

P/E Incl Extra (TTM)9.42x

Tangible BV / Share (Quarterly)$30.42

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 Return16.24%

13-Week Price Return6.17%

Total Debt / Equity (Annual)0.63x

Enterprise Value$564.31M

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 Dev23.02%

Net Income / Employee (TTM)$108,300

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)15.87x

EV / Free Cash Flow (TTM)18.33x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$3.63

ROI (TTM)10.62%

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/E9.23x

Free OCF CAGR (5Y)30.60%

Price vs S&P 500 (52W)-10.46%

P/E Ratio (TTM)9.42x

EPS Growth TTM (YoY)192.75%

Year-to-Date Return13.01%

5-Day Price Return0.39%

EPS Normalized (Annual)$2.01

ROA (5Y Avg)0.87%

Net Profit Margin (Annual)29.05%

Month-to-Date Return-1.97%

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)13.53x

ROI (5Y Avg)7.02%

P/E Excl Extra (TTM)9.42x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$3.63

P/TBV (Quarterly)1.12x

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)4.22%

Net Margin Growth (5Y)5.27%

Dividend Yield (TTM)3.31%

Beta0.63x

P/FCF (Annual)20.47x

Revenue / Share (TTM)$10.76

ROE (TTM)11.72%

52-Week Low$26.10

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COFS Earnings Surprise History

Quarter	Report date	EPS estimate	EPS actual	Surprise
Q2 2026	Jul 24, 2026	$0.88	$0.83	-5.68%(-$0.05)
Q1 2026	Apr 24, 2026	$0.85	$0.91	+7.48%(+$0.06)
Q4 2025	Jan 30, 2026	$0.90	$0.92	+1.85%(+$0.02)
Q3 2025	Oct 24, 2025	$0.86	$0.97	+12.79%(+$0.11)
Q2 2025	Jul 25, 2025	$0.78	$0.91	+16.17%(+$0.13)

COFS Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

4.00

Industry Peers — State Banks(189)

Symbol	Value Score	Growth Score	Momentum Score	Price
COFSCHOICEONE FINANCIAL	B	C	C	$33.36
BNSBank of Nova Scotia	C	C	A	$92.39
BNYBank of New York Mellon Corporation	F	B	A	$162.50
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	D	$7.50
DBDeutsche Bank Aktiengesellschaft	A	C	B	$40.36
STTState Street Corporation	C	B	A	$193.33
XLFState Street Financial Select Sector SPDR ETF	—	—	C	$58.10
FITBFifth Third Bancorp	D	C	C	$54.54
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	A	D	D	$3.25
MTBM&T Bank Corp.	C	B	C	$237.29
NTRSNorthern Trust Corp	D	C	B	$186.79
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	A	D	D	$3.03
CFGCitizens Financial Group, Inc.	C	C	B	$69.71
FCNCAFirst Citizens BancShares Inc	C	B	C	$2194.07
EWBCEast-West Bancorp Inc	C	B	C	$129.44
ALLYAlly Financial Inc.	A	C	D	$42.18
BPOPPopular Inc	C	C	B	$169.75
WTFCWintrust Financial Corp	B	B	D	$152.95
SSBSouthState Bank Corporation	C	B	C	$105.98
PBProsperity Bancshares Inc	D	D	D	$72.30
WALWestern Alliance Bancorporation	B	B	D	$78.53
COLBColumbia Banking Systems Inc	B	C	D	$30.07
CBSHCommerce Bancshares Inc	C	D	D	$58.04
CBCCentral Bancompany, Inc. Class A Common Stock	D	C	A	$32.60
UBSIUnited Bankshares Inc	C	C	C	$47.60
GBCIGlacier Bancorp Inc	D	C	D	$46.88
HWCHancock Whitney Corporation Common Stock	C	C	C	$75.07
HOMBHome BancShares, Inc.	C	D	D	$29.62
ASBAssociated Banc-Corp	B	C	C	$30.92
AUBAtlantic Union Bankshares Corporation	C	B	D	$40.66
ABCBAmeris Bancorp	D	C	D	$85.59
FFINFirst Financial Bankshares Inc	D	D	F	$33.39
SFBSServisFirst Bancshares Inc.	D	B	D	$43.20
IBOCInternational Bancshares Corp	C	C	F	$70.93
TCBITexas Capital Bancshares, Inc.	C	C	D	$98.64
FBPFirst BanCorp.	C	C	B	$28.01
UCBUnited Community Banks, Inc.	B	B	D	$35.18
CATYCathay General Bancorp	C	C	C	$61.87
CVBFCVB Financial Corp	D	D	D	$22.19
INDBIndependent Bank Corp/MA	C	C	D	$82.06
RNSTRenasant Corporation	C	B	D	$41.09
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	$37.04
MCHBMechanics Bancorp Class A Common Stock	D	C	C	$15.89
SBCFSeacoast Banking Corp of Florida	D	B	C	$34.37
FHBFirst Hawaiian, Inc. Common Stock	B	D	F	$25.79
BOHBank of Hawaii Corp.	C	C	D	$77.29
FBKFB Financial Corporation	D	B	D	$57.85
CUBICUSTOMERS BANCORP INC	B	B	D	$78.58
FBNCFirst Bancorp/NC	D	C	C	$63.99
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	$30.29
SYBTStock Yards Bancorp, Inc.	D	C	C	$79.84

About CHOICEONE FINANCIAL

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).