CHOICEONE FINANCIAL (COFS) Stock Price

COFSStock

$33.10+25.90%52W

Market Cap$495.03M

P/E17.57x

PEG Ratio-1.29

Div yield4.13%

Beta0.64

COFS Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-0.92%

Price vs S&P 500 (4W)1.75%

PEG Ratio-1.29

VGM Score62.83

P/E Ratio (Annual)17.57x

Indicated Dividend Yield (Annual)4.13%

P/CF (Annual)15.56x

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)$3.41

Payout Ratio (TTM)31.48%

Price vs S&P 500 (YTD)0.20%

Net Profit Margin (TTM)27.86%

EPS (TTM)$3.64

10-Day Avg Trading Volume0.09M

EPS Excl Extra (TTM)$3.64

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)9.05x

Revenue Growth QoQ (YoY)36.40%

EPS Growth (5Y)-0.58%

P/E Normalized (Annual)17.57x

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 Ratio1.03x

P/B Ratio (Quarterly)1.05x

Net Income / Employee (Annual)$55,800

ROA (TTM)1.25%

EPS Growth QoQ (YoY)-7.74%

EV / EBITDA (TTM)7.18x

EPS Incl Extra (Annual)$2.01

3-Month Avg Trading Volume0.09M

52-Week Price Return25.90%

EV / Free Cash Flow (Annual)21.59x

P/E Incl Extra (TTM)9.05x

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 Return8.99%

13-Week Price Return-2.45%

Total Debt / Equity (Annual)0.63x

Enterprise Value$543.67M

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 Dev18.77%

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)9.39x

EV / Free Cash Flow (TTM)10.65x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$3.64

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/E8.81x

Free OCF CAGR (5Y)30.60%

Price vs S&P 500 (52W)10.37%

P/E Ratio (TTM)9.05x

EPS Growth TTM (YoY)192.79%

Year-to-Date Return12.13%

5-Day Price Return1.19%

EPS Normalized (Annual)$2.01

ROA (5Y Avg)0.87%

Net Profit Margin (Annual)29.05%

Month-to-Date Return2.45%

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)8.38x

ROI (5Y Avg)7.02%

P/E Excl Extra (TTM)9.05x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$3.64

P/TBV (Quarterly)1.12x

Payout Ratio (Annual)60.15%

P/B Ratio (Annual)0.95x

Dividend / Share (TTM)$1.15

Pretax Margin (TTM)33.05%

Book Value / Share (Annual)$31.02

Price vs S&P 500 (13W)-5.13%

Net Margin Growth (5Y)5.27%

Dividend Yield (TTM)3.48%

Beta0.64x

P/FCF (Annual)19.65x

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

Jun 2026

Jul 2026

Aug 2026

Sep 2026

4.00

Industry Peers — State Banks(190)

Symbol	Value Score	Growth Score	Momentum Score	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
COFSCHOICEONE FINANCIAL	B	C	C	1.1x	11.7%	1.3%	—	$33.10
BNSBank of Nova Scotia	D	C	A	1.7x	11.4%	0.7%	—	$91.60
ITUBItau Unibanco Holding S.A. American Depositary Shares	B	D	C	2.2x	22.1%	1.5%	—	$9.44
BNYBank of New York Mellon Corporation	F	C	C	2.3x	14.8%	1.3%	—	$143.30
DBDeutsche Bank Aktiengesellschaft	A	C	D	0.7x	9.3%	0.5%	—	$32.57
XLFState Street Financial Select Sector SPDR ETF	—	—	C	—	—	—	—	$55.52
FITBFifth Third Bancorp	D	C	D	1.2x	8.9%	0.9%	—	$50.37
STTState Street Corporation	C	B	C	1.7x	13.1%	0.9%	—	$165.72
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	B	C	C	1.0x	14.3%	1.1%	—	$3.96
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	B	C	C	1.0x	14.3%	1.1%	—	$3.55
MTBM&T Bank Corp.	B	B	D	1.2x	10.7%	1.4%	—	$215.28
NTRSNorthern Trust Corp	D	C	C	2.4x	17.1%	1.3%	—	$165.54
CFGCitizens Financial Group, Inc.	C	C	D	1.1x	8.1%	0.9%	—	$63.36
FCNCAFirst Citizens BancShares Inc	C	B	B	1.1x	10.7%	1.0%	—	$2123.74
EWBCEast-West Bancorp Inc	C	B	C	1.9x	16.2%	1.8%	—	$126.88
ALLYAlly Financial Inc.	A	C	F	0.9x	9.4%	0.7%	—	$37.68
BPOPPopular Inc	C	C	B	1.6x	15.4%	1.3%	—	$158.89
SSBSouthState Bank Corporation	C	B	C	1.1x	10.5%	1.4%	—	$102.06
WTFCWintrust Financial Corp	B	B	D	1.4x	12.3%	1.3%	—	$144.08
PBProsperity Bancshares Inc	D	D	D	0.9x	7.1%	1.4%	—	$67.79
WALWestern Alliance Bancorporation	B	B	D	1.1x	12.9%	1.0%	—	$74.51
COLBColumbia Banking Systems Inc	B	C	D	1.2x	9.2%	1.1%	—	$28.44
CBCCentral Bancompany, Inc. Class A Common Stock	F	B	A	1.9x	11.7%	2.1%	—	$33.42
CBSHCommerce Bancshares Inc	C	D	C	1.9x	14.4%	1.7%	—	$55.69
UBSIUnited Bankshares Inc	C	C	B	1.1x	9.4%	1.5%	—	$46.69
HWCHancock Whitney Corporation Common Stock	C	C	C	1.4x	9.6%	1.2%	—	$73.03
HOMBHome BancShares, Inc.	C	D	C	1.2x	10.9%	2.0%	—	$29.20
GBCIGlacier Bancorp Inc	D	C	D	1.6x	7.6%	1.0%	—	$43.83
ASBAssociated Banc-Corp	B	C	C	0.9x	9.9%	1.1%	—	$28.96
AUBAtlantic Union Bankshares Corporation	C	B	D	1.2x	9.7%	1.3%	—	$38.11
ABCBAmeris Bancorp	C	C	D	1.5x	9.3%	1.4%	—	$79.72
FFINFirst Financial Bankshares Inc	D	D	F	2.5x	14.3%	1.8%	—	$30.47
SFBSServisFirst Bancshares Inc.	D	B	D	2.4x	17.1%	1.8%	—	$39.36
IBOCInternational Bancshares Corp	C	C	D	1.4x	12.7%	2.5%	—	$67.34
FBPFirst BanCorp.	C	C	B	2.0x	19.0%	1.9%	—	$27.37
UCBUnited Community Banks, Inc.	C	B	C	1.1x	10.3%	1.3%	—	$34.09
CATYCathay General Bancorp	C	C	C	1.4x	11.7%	1.4%	—	$59.96
TCBITexas Capital Bancshares, Inc. Common Stock, par value $0.01 per share	C	C	D	1.2x	10.0%	1.1%	—	$91.15
CVBFCVB Financial Corp	C	D	C	1.3x	8.2%	1.2%	—	$21.87
INDBIndependent Bank Corp/MA	C	C	C	1.2x	7.7%	1.1%	—	$79.88
RNSTRenasant Corporation	C	B	C	1.0x	8.1%	1.2%	—	$39.91
FIBKFirst Interstate BancSystem, Inc. Common Stock (DE)	B	B	D	1.1x	9.6%	1.2%	—	$34.82
MCHBMechanics Bancorp Class A Common Stock	D	C	D	1.2x	9.9%	1.2%	—	$14.35
SBCFSeacoast Banking Corp of Florida	D	B	C	1.1x	5.6%	0.8%	—	$32.54
FHBFirst Hawaiian, Inc. Common Stock	B	D	D	1.3x	10.3%	1.2%	—	$24.95
BOHBank of Hawaii Corp.	C	C	D	1.7x	12.8%	1.0%	—	$67.23
FBKFB Financial Corporation	D	B	F	1.3x	12.0%	1.4%	—	$51.54
CUBICUSTOMERS BANCORP INC	B	B	C	1.2x	13.6%	1.1%	—	$74.78
FBNCFirst Bancorp/NC	D	B	C	1.5x	8.0%	1.0%	—	$60.36
BUSEFirst Busey Corporation Class A Common Stock	B	C	B	1.0x	9.5%	1.3%	—	$29.43
SYBTStock Yards Bancorp, Inc.	D	C	C	1.8x	13.4%	1.6%	—	$76.69

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).