ChoiceOne Financial Services, Inc. COFS

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Price alert · COFS

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35.45 USD +0.45 +1.29%

At close · Oct 30

35.45 0.00 0.00%

After hours · Oct 30, 4:00 PM ET

Bid
35.40 × 2
Ask
35.45 × 2
35.21 Day range 36.68
27.03 52-week range 35.45
YTD
+20.09%
1 year
+22.96%
Open
35.97
Prev close
35.00
Mkt cap
530.17M
Vol
82.04K
Avg vol
78.87K
EPS
3.67
P/E
9.66
Div yield
3.12%
More statistics
Low
35.21
High
36.68
Forward P/E
9.29
Beta
0.63
Short ratio
9.51
Inst. own
33.94%
Dividend
1.12
Ex-div date
Dec 12, 2024
Earnings
Jan 22, 2025
50-d avg
34.85
200-d avg
29.08
1y target
41.00

5D chart

Chart tools
Interval

Signals (105)
NameTimeAgo
SMA: BearishOct 29, 12:40 PM2 days ago
RSI: OverboughtOct 29, 12:00 PM2 days ago
SMA: BullishOct 29, 11:25 AM2 days ago
SMA: BearishOct 29, 11:15 AM2 days ago
RSI: OverboughtOct 29, 10:45 AM2 days ago
MACD: Sell SignalOct 29, 10:40 AM2 days ago
RSI: OverboughtOct 29, 9:40 AM2 days ago
RSI: OverboughtOct 29, 9:30 AM2 days ago
SMA: BearishOct 28, 3:35 PM3 days ago
SMA: BullishOct 28, 2:50 PM3 days ago
MACD: Buy SignalOct 28, 2:50 PM3 days ago
SMA: BullishOct 28, 2:35 PM3 days ago
SMA: BearishOct 28, 2:10 PM3 days ago
SMA: BearishOct 28, 2:10 PM3 days ago
SMA: BullishOct 28, 2:05 PM3 days ago
SMA: BullishOct 28, 2:05 PM3 days ago
SMA: BearishOct 28, 2:00 PM3 days ago
MACD: Sell SignalOct 28, 2:00 PM3 days ago
SMA: BearishOct 28, 1:55 PM3 days ago
SMA: BearishOct 28, 1:05 PM3 days ago
SMA: BullishOct 28, 12:55 PM3 days ago
SMA: BullishOct 28, 12:50 PM3 days ago
MACD: Buy SignalOct 28, 12:10 PM3 days ago
SMA: BullishOct 28, 11:55 AM3 days ago
RSI: OversoldOct 28, 11:45 AM3 days ago
RSI: OversoldOct 28, 11:15 AM3 days ago
MACD: Sell SignalOct 28, 11:05 AM3 days ago
SMA: BearishOct 28, 11:00 AM3 days ago
SMA: BearishOct 28, 11:00 AM3 days ago
MACD: Buy SignalOct 28, 10:40 AM3 days ago
SMA: BullishOct 28, 10:35 AM3 days ago
SMA: BullishOct 28, 10:35 AM3 days ago
SMA: BearishOct 28, 9:35 AM3 days ago
SMA: BearishOct 28, 9:35 AM3 days ago
MACD: Sell SignalOct 28, 9:35 AM3 days ago
SMA: BullishOct 28, 9:30 AM3 days ago
RSI: OverboughtOct 28, 9:30 AM3 days ago
SMA: BearishOct 27, 3:55 PM4 days ago
SMA: BullishOct 27, 3:05 PM4 days ago
MACD: Buy SignalOct 27, 2:55 PM4 days ago
SMA: BullishOct 27, 2:45 PM4 days ago
SMA: BearishOct 27, 2:40 PM4 days ago
SMA: BearishOct 27, 1:45 PM4 days ago
SMA: BullishOct 27, 1:15 PM4 days ago
SMA: BearishOct 27, 1:10 PM4 days ago
MACD: Sell SignalOct 27, 1:00 PM4 days ago
SMA: BearishOct 27, 12:55 PM4 days ago
RSI: OverboughtOct 27, 12:00 PM4 days ago
SMA: BullishOct 27, 11:00 AM4 days ago
SMA: BearishOct 27, 10:55 AM4 days ago
SMA: BullishOct 27, 10:50 AM4 days ago
MACD: Buy SignalOct 27, 10:25 AM4 days ago
SMA: BullishOct 27, 10:15 AM4 days ago
SMA: BearishOct 27, 9:30 AM4 days ago
RSI: OversoldOct 27, 9:30 AM4 days ago
SMA: BullishOct 26, 3:55 PM5 days ago
SMA: BearishOct 26, 3:50 PM5 days ago
SMA: BearishOct 26, 3:50 PM5 days ago
MACD: Sell SignalOct 26, 3:45 PM5 days ago
SMA: BullishOct 26, 3:40 PM5 days ago
SMA: BearishOct 26, 3:35 PM5 days ago
RSI: OverboughtOct 26, 3:15 PM5 days ago
MACD: Buy SignalOct 26, 2:15 PM5 days ago
SMA: BullishOct 26, 2:10 PM5 days ago
MACD: Sell SignalOct 26, 1:50 PM5 days ago
SMA: BearishOct 26, 1:45 PM5 days ago
SMA: BullishOct 26, 1:00 PM5 days ago
MACD: Buy SignalOct 26, 12:45 PM5 days ago
SMA: BullishOct 26, 12:35 PM5 days ago
SMA: BearishOct 26, 12:20 PM5 days ago
SMA: BullishOct 26, 12:05 PM5 days ago
SMA: BearishOct 26, 11:25 AM5 days ago
MACD: Sell SignalOct 26, 11:05 AM5 days ago
SMA: BearishOct 26, 10:50 AM5 days ago
SMA: BullishOct 26, 10:05 AM5 days ago
SMA: BullishOct 26, 10:05 AM5 days ago
MACD: Buy SignalOct 26, 10:05 AM5 days ago
RSI: OverboughtOct 26, 10:05 AM5 days ago
SMA: BearishOct 26, 9:40 AM5 days ago
SMA: BearishOct 26, 9:40 AM5 days ago
MACD: Sell SignalOct 26, 9:40 AM5 days ago
SMA: BullishOct 26, 9:30 AM5 days ago
SMA: BullishOct 26, 9:30 AM5 days ago
MACD: Buy SignalOct 26, 9:30 AM5 days ago
SMA: BearishOct 23, 3:55 PM1 week ago
SMA: BearishOct 23, 3:55 PM1 week ago
MACD: Sell SignalOct 23, 3:55 PM1 week ago
SMA: BullishOct 23, 3:50 PM1 week ago
SMA: BearishOct 23, 3:45 PM1 week ago
SMA: BullishOct 23, 3:40 PM1 week ago
MACD: Buy SignalOct 23, 3:40 PM1 week ago
SMA: BullishOct 23, 3:25 PM1 week ago
SMA: BearishOct 23, 2:35 PM1 week ago
SMA: BearishOct 23, 2:35 PM1 week ago
SMA: BullishOct 23, 2:30 PM1 week ago
SMA: BullishOct 23, 2:30 PM1 week ago
SMA: BearishOct 23, 2:25 PM1 week ago
SMA: BearishOct 23, 2:25 PM1 week ago
SMA: BullishOct 23, 2:20 PM1 week ago
SMA: BullishOct 23, 2:20 PM1 week ago
SMA: BearishOct 23, 1:45 PM1 week ago
SMA: BearishOct 23, 1:45 PM1 week ago
RSI: OverboughtOct 23, 1:30 PM1 week ago
SMA: BullishOct 23, 1:10 PM1 week ago
SMA: BullishOct 23, 1:10 PM1 week ago

Financial health

Altman Z-Score

0.35 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 4
  • P/B 1

Valuation

P/E 14.6×
FY 2016: 12.8×FY 2017: 13.3×FY 2018: 12.4×FY 2019: 20.2×FY 2020: 14.8×FY 2021: 9.2×FY 2022: 9.2×FY 2023: 10.4×FY 2024: 10.9×FY 2025: 14.6×
FY 2016 5y median 10.4× FY 2025
P/S 2.1×
FY 2016: 2.8×FY 2017: 2.8×FY 2018: 2.9×FY 2019: 3.5×FY 2020: 2.9×FY 2021: 2.4×FY 2022: 2.4×FY 2023: 1.9×FY 2024: 2.1×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
P/B 0.9×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
P/FCF 16.3×
FY 2016: 8.6×FY 2017: 12.7×FY 2018: 15.8×FY 2019: 17.2×FY 2020: 34.9×FY 2021: 5.8×FY 2022: 5.0×FY 2023: 5.2×FY 2024: 6.2×FY 2025: 16.3×
FY 2016 5y median 5.8× FY 2025
EV/EBITDA 11.8×
FY 2016: 7.7×FY 2017: 6.6×FY 2018: 7.7×FY 2019: 10.2×FY 2020: 6.2×FY 2021: 6.6×FY 2022: 6.3×FY 2023: 10.6×FY 2024: 8.9×FY 2025: 11.8×
FY 2016 5y median 8.9× FY 2025
EV/Sales 3.3×
FY 2016: 3.0×FY 2017: 2.5×FY 2018: 2.6×FY 2019: 2.9×FY 2020: 2.1×FY 2021: 3.1×FY 2022: 2.9×FY 2023: 3.5×FY 2024: 2.9×FY 2025: 3.3×
FY 2016 5y median 3.1× FY 2025
FCF Yield 6.1%
FY 2016: 11.7%FY 2017: 7.8%FY 2018: 6.3%FY 2019: 5.8%FY 2020: 2.9%FY 2021: 17.2%FY 2022: 19.8%FY 2023: 19.1%FY 2024: 16.1%FY 2025: 6.1%
FY 2016 5y median 17.2% FY 2025

Profitability

Gross Margin 58.2%
FY 2016: 96.6%FY 2017: 93.2%FY 2018: 92.1%FY 2019: 88.7%FY 2020: 89.0%FY 2021: 94.8%FY 2022: 91.0%FY 2023: 70.8%FY 2024: 66.0%FY 2025: 58.2%
FY 2016 5y median 70.8% FY 2025
Operating Margin 17.7%
FY 2016: 29.3%FY 2017: 29.6%FY 2018: 27.0%FY 2019: 20.3%FY 2020: 24.1%FY 2021: 31.6%FY 2022: 31.0%FY 2023: 22.4%FY 2024: 23.8%FY 2025: 17.7%
FY 2016 5y median 23.8% FY 2025
Net Margin 14.6%
FY 2016: 21.6%FY 2017: 21.3%FY 2018: 23.3%FY 2019: 17.2%FY 2020: 19.9%FY 2021: 26.3%FY 2022: 26.5%FY 2023: 18.7%FY 2024: 19.2%FY 2025: 14.6%
FY 2016 5y median 19.2% FY 2025
ROE 6.1%
FY 2016: 8.5%FY 2017: 8.1%FY 2018: 9.1%FY 2019: 3.7%FY 2020: 6.9%FY 2021: 9.9%FY 2022: 14.0%FY 2023: 10.9%FY 2024: 10.3%FY 2025: 6.1%
FY 2016 5y median 10.3% FY 2025
ROIC 3.5%
FY 2016: 6.4%FY 2017: 5.8%FY 2018: 7.8%FY 2019: 3.1%FY 2020: 6.4%FY 2021: 7.0%FY 2022: 8.8%FY 2023: 4.7%FY 2024: 5.2%FY 2025: 3.5%
FY 2016 5y median 5.2% FY 2025
ROA 0.6%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.1%FY 2019: 0.5%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 1.0%FY 2025: 0.6%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 38.7%
FY 2016: 4.2%FY 2017: 2.7%FY 2018: 8.6%FY 2019: 32.4%FY 2020: 88.3%FY 2021: 6.9%FY 2022: 6.3%FY 2023: 27.8%FY 2024: 22.1%FY 2025: 38.7%
FY 2016 FY 2025
Operating Income 3.3%
FY 2016: 7.3%FY 2017: 3.7%FY 2018: -0.8%FY 2019: -0.3%FY 2020: 123.1%FY 2021: 40.3%FY 2022: 4.4%FY 2023: -7.6%FY 2024: 29.4%FY 2025: 3.3%
FY 2016 FY 2025
EPS (diluted) -38.2%
FY 2016: 6.3%FY 2017: 1.2%FY 2018: 18.8%FY 2019: -21.8%FY 2020: 31.0%FY 2021: 38.2%FY 2022: 10.1%FY 2023: -10.5%FY 2024: 15.2%FY 2025: -38.2%
FY 2016 FY 2025
Free Cash Flow -46.3%
FY 2016: 209.8%FY 2017: -29.4%FY 2018: -10.7%FY 2019: 46.8%FY 2020: -21.5%FY 2021: 427.3%FY 2022: 23.5%FY 2023: -2.1%FY 2024: 11.1%FY 2025: -46.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.7×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 1.2×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.2×
FY 2016: 0.5×FY 2017: -0.9×FY 2018: -0.9×FY 2019: -2.3×FY 2020: -2.5×FY 2021: 1.4×FY 2022: 1.0×FY 2023: 4.7×FY 2024: 2.5×FY 2025: 4.2×
FY 2016 5y median 2.5× FY 2025
Interest Coverage 0.5×
FY 2016: 8.5×FY 2017: 5.8×FY 2018: 3.4×FY 2019: 1.8×FY 2020: 4.1×FY 2021: 6.7×FY 2022: 3.6×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 2.9%FY 2017: 2.8%FY 2018: 2.8%FY 2019: 4.0%FY 2020: 2.7%FY 2021: 3.5%FY 2022: 3.5%FY 2023: 3.6%FY 2024: 3.1%FY 2025: 4.1%
FY 2016 5y median 3.5% FY 2025
Payout Ratio 60.2%
FY 2016: 36.6%FY 2017: 37.7%FY 2018: 35.2%FY 2019: 81.1%FY 2020: 39.5%FY 2021: 32.7%FY 2022: 32.1%FY 2023: 37.2%FY 2024: 33.7%FY 2025: 60.2%
FY 2016 5y median 33.7% FY 2025

Annual · latest fiscal year ends 2025-12-31