CHOICEONE FINANCIAL (COFS)

Price$29.81

Favorite Metrics

Price vs S&P 500 (26W)2.84%

Price vs S&P 500 (4W)5.28%

Market Capitalization$449.91M

P/E Ratio (Annual)15.97x

Indicated Dividend Yield (Annual)3.86%

All Metrics

P/CF (Annual)14.14x

Book Value / Share (Quarterly)$31.02

P/TBV (Annual)1.02x

Indicated Dividend (Annual)$1.12

Revenue Growth (3Y)32.22%

Cash Flow / Share (Quarterly)$1.68

Payout Ratio (TTM)30.31%

Price vs S&P 500 (YTD)-0.91%

Net Profit Margin (TTM)27.86%

EPS (TTM)$1.49

10-Day Avg Trading Volume0.08M

EPS Excl Extra (TTM)$1.49

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)15.97x

Revenue Growth QoQ (YoY)36.40%

EPS Growth (5Y)-0.58%

P/E Normalized (Annual)15.97x

ROA (Last FY)0.64%

Revenue Growth TTM (YoY)28.65%

EBITD / Share (TTM)$2.71

ROE (5Y Avg)10.22%

Cash Flow / Share (Annual)$1.68

P/B Ratio0.97x

P/B Ratio (Quarterly)0.95x

Net Income / Employee (Annual)$0

ROA (TTM)0.65%

EPS Growth QoQ (YoY)16.14%

EV / EBITDA (TTM)13.19x

EPS Incl Extra (Annual)$2.01

3-Month Avg Trading Volume0.10M

52-Week Price Return18.41%

EV / Free Cash Flow (Annual)19.79x

P/E Incl Extra (TTM)15.97x

Tangible BV / Share (Quarterly)$28.95

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 Return6.83%

13-Week Price Return7.91%

Total Debt / Equity (Annual)0.63x

Enterprise Value$498.367

Revenue / Share Growth (5Y)6.70%

Book Value / Share Growth (5Y)1.27%

Revenue / Employee (Annual)$249,650

Pretax Margin (Annual)33.98%

Cash / Share (Annual)$5.80

3-Month Return Std Dev27.28%

Net Income / Employee (TTM)$0

EBITDA CAGR (5Y)11.83%

EBITDA Interim CAGR (5Y)26.05%

ROE (Last FY)6.05%

EPS Basic Excl Extra (Annual)$2.01

P/FCF (TTM)13.85x

EV / Free Cash Flow (TTM)19.79x

Total Debt / Equity (Quarterly)0.10x

EPS Incl Extra (TTM)$1.49

ROI (TTM)5.73%

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/E8.52x

Free OCF CAGR (5Y)30.60%

Price vs S&P 500 (52W)-11.42%

P/E Ratio (TTM)15.97x

EPS Growth TTM (YoY)-54.13%

Year-to-Date Return1.73%

5-Day Price Return-0.96%

EPS Normalized (Annual)$2.01

ROA (5Y Avg)0.87%

Net Profit Margin (Annual)29.05%

Month-to-Date Return6.79%

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)14.14x

ROI (5Y Avg)7.02%

P/E Excl Extra (TTM)15.97x

LT Debt / Equity (Quarterly)0.10x

EPS Basic Excl Extra (TTM)$1.49

P/TBV (Quarterly)1.02x

Payout Ratio (Annual)60.15%

P/B Ratio (Annual)0.95x

Dividend / Share (TTM)$1.41

Pretax Margin (TTM)33.05%

Book Value / Share (Annual)$31.02

Price vs S&P 500 (13W)7.22%

Net Margin Growth (5Y)5.27%

Dividend Yield (TTM)3.77%

Beta0.63x

P/FCF (Annual)17.86x

Revenue / Share (TTM)$10.76

ROE (TTM)6.35%

52-Week Low$24.89

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

4.22

4.00

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
COFSCHOICEONE FINANCIAL	0.95x	6.35%	0.65%	—	$29.81
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.33
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$75.00
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$134.84
FITBFifth Third Bancorp	1.42x	11.96%	1.19%	—	$49.52
FITBIFifth Third Bancorp Depositary Shares	1.42x	11.96%	1.19%	—	$25.32
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	1.42x	11.96%	1.19%	—	$25.83
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.42x	11.96%	1.19%	—	$19.38
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.42x	11.96%	1.19%	—	$24.05
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.15
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.72

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).