COFS

Choiceone Financial Services Inc

35.45

Oct 30 • 3:59 PM ET +0.45 (1.29%)

35.45

Aftermarket • 7:30 PM ET 0.00 (0.00%)

Financial Banks - Regional USA Small NASD

Oct 30, 10:45 AMChoiceone Financial Services Inc reports Q3 2026 EPS $0.97, revenue $44.3M, beating EPS but missing revenue estimates

Peers: IBCP MBWM ISBA HBNC FMAO CIVB LKFN FMNB SBFG LCNB

| Held by: VTI IWM AVUV VXF IWN KRE DFAS DFSV VTWO FDM

Scroll to Statements

Index	RUT
Market Cap	530.17M
Enterprise Value	-
Income	54.58M
Sales	241.16M
Book/sh	31.49
Cash/sh	-
Dividend Est.	-
Dividend TTM	1.16 (3.27%)
Dividend Ex-Date	Sep 15, 2026
Dividend Gr. 3/5Y	3.81% 6.62%
Payout	56.12%
Employees	598
IPO	May 29, 2003

P/E	9.76
Forward P/E	9.30
PEG	3.89
P/S	2.20
P/B	1.13
P/C	-
P/FCF	10.66
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	0.04
Debt/Eq	0.60
LT Debt/Eq	0.60
Option/Short	No / Yes

EPS (ttm)	3.63
EPS next Y	3.81
EPS next Q	0.94
EPS this Y	1.81%
EPS next Y	1.78%
EPS next 5Y	2.39%
EPS past 3/5Y	-13.77% -0.58%
Sales past 3/5Y	36.08% 23.64%
EPS Y/Y TTM	190.50%
Sales Y/Y TTM	19.13%
EPS Q/Q	-0.53%
Sales Q/Q	1.98%
Earnings	Oct 30 BMO
EPS/Sales Surpr.	4.67% -0.47%

Insider Own	6.90%
Insider Trans	0.00%
Inst Own	47.30%
Inst Trans	4.43%
ROA	1.25%
ROE	11.87%
ROIC	7.24%
Gross Margin	-
Oper. Margin	27.47%
Profit Margin	22.63%
SMA20	5.82%
SMA50	6.15%
SMA200	12.42%
Trades

Shs Outstand	14.92M
Shs Float	13.92M
Short Float	3.72%
Short Ratio	6.63
Short Interest	0.52M
52W High	35.30 0.42%
52W Low	26.63 33.12%
Volatility	3.44% 2.38%
ATR (14)	0.91
RSI (14)	69.66
Beta	0.65
Rel Volume	1.05
Avg Volume	78.17K
Volume	82,077

Perf Week	3.47%
Perf Month	7.85%
Perf Quarter	3.62%
Perf Half Y	15.85%
Perf YTD	20.09%
Perf Year	22.96%
Perf 3Y	86.19%
Perf 5Y	40.34%
Perf 10Y	79.30%
Recom	1.67
Target Price	38.67
Prev Close	35.00
Price	35.45
Change %	1.29%

Consensus

Buy

Avg. Price Target

$38.67

Implied Upside

+9.1%

Analysts3incl. previous ratings

Rating Distribution2 Buy · 1 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jul 27, 2026	Reiterated	HHovde Group	Market Perform	$32 → $35	-1.3%
Jan 07, 2026	Downgrade	HHovde Group	Outperform → Market Perform
Mar 10, 2025	Initiated	HHovde Group	Outperform	$35	-1.3%
Mar 03, 2025	Upgrade	JJanney	Neutral → Buy
Oct 18, 2024	Initiated	DDA Davidson	Buy	$37	+4.4%
Sep 27, 2023	Initiated	JJanney	Neutral	$24	-32.3%

Oct-30-26 07:15AM	ChoiceOne Reports Third Quarter 2026 Results (PR Newswire)
Sep-30-26 12:30PM	ChoiceOne Bank Announces Official Opening of ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in Fenton (PR Newswire)
Sep-11-26 02:00PM	ChoiceOne Bank Receives Habitat for Humanity of Kent County Opportunity Award (PR Newswire)
Jul-24-26 07:20AM	ChoiceOne Reports Second Quarter 2026 Results (PR Newswire)
Jun-04-26 12:01PM	ChoiceOne Bank Awards Scholarships to 19 High School Seniors (PR Newswire)
07:30AM	Loading…
Apr-24-26 07:30AM	ChoiceOne Reports First Quarter 2026 Results (PR Newswire)
Jan-30-26 08:40AM	ChoiceOne Financial Services, Inc. (COFS) Q4 Earnings Beat Estimates (Zacks)
07:30AM	ChoiceOne Reports Fourth Quarter 2025 Results (PR Newswire)
Jan-27-26 08:00AM	ChoiceOne Bank Now Accepting Annual Scholarship Applications (PR Newswire)
Jan-22-26 10:19AM	ChoiceOne Bank Awards Fresh Coast Alliance with $1 Million Grant In Partnership with the Federal Home Loan Bank of Indianapolis (PR Newswire)
Oct-24-25 08:40AM	ChoiceOne Financial Services, Inc. (COFS) Q3 Earnings and Revenues Top Estimates (Zacks) +11.52%
07:30AM	ChoiceOne Reports Third Quarter 2025 Results (PR Newswire)
Jul-25-25 08:25AM	ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings and Revenues Surpass Estimates (Zacks)
07:15AM	ChoiceOne Reports Second Quarter 2025 Results (PR Newswire)
Jul-23-25 08:10AM	Moody's (MCO) Q2 Earnings and Revenues Top Estimates (Zacks)
10:00AM	Loading…
Jul-22-25 10:00AM	Houlihan Lokey (HLI) Reports Next Week: Wall Street Expects Earnings Growth (Zacks)
Jul-17-25 10:00AM	Earnings Preview: ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Expected to Decline (Zacks)
May-21-25 04:15PM	ChoiceOne Financial Announces Cash Dividends (PR Newswire)
09:00AM	Chairman Jack G. Hendon Retires from ChoiceOne Boards of Directors, Gregory A. McConnell Appointed Chairman of ChoiceOne Boards of Directors, Roxanne M. Page Appointed Vice Chairwoman of ChoiceOne Boards of Directors (PR Newswire)
Apr-30-25 09:15AM	ChoiceOne Financial Services, Inc. (COFS) Q1 Earnings Beat Estimates (Zacks)
08:00AM	ChoiceOne Reports First Quarter 2025 Results (PR Newswire)
Apr-17-25 08:05AM	Blackstone Inc. (BX) Q1 Earnings and Revenues Surpass Estimates (Zacks)
Apr-10-25 11:28AM	Strength Seen in Moody's (MCO): Can Its 10.6% Jump Turn into More Strength? (Zacks)
Mar-22-25 12:31AM	Dividend Champion, Contender, And Challenger Highlights: Week Of March 23 (SeekingAlpha)
Mar-17-25 08:40AM	ChoiceOne Financial Services, Inc. Completes Successful Consolidation of ChoiceOne Bank and The State Bank (PR Newswire)
Mar-03-25 08:30AM	ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. Complete Merger (PR Newswire)
Feb-26-25 04:01PM	ChoiceOne Financial Announces Cash Dividends (PR Newswire)
Feb-12-25 04:10PM	ChoiceOne Financial Services, Inc. Receives Regulatory Approval for Merger with Fentura Financial, Inc. (PR Newswire)
Jan-22-25 04:05PM	ChoiceOne Reports Fourth Quarter and Year End 2024 Results (PR Newswire)
Dec-13-24 08:25AM	ChoiceOne Financial Services, Inc. and Fentura Financial, Inc. Shareholders Approve Merger (PR Newswire)
04:01PM	Loading…
Dec-04-24 04:01PM	CHOICEONE FINANCIAL ANNOUNCES CASH DIVIDENDS (PR Newswire)
Oct-23-24 04:01PM	ChoiceOne Reports Third Quarter 2024 Results (PR Newswire) +9.09%
Sep-19-24 05:50PM	ChoiceOne Bank Receives MCDC 2023 Lender of the Year Award (PR Newswire)
Sep-10-24 02:00PM	ChoiceOne Bank Receives dotCOMM Gold Award Honoring Web Creativity, Digital Communication Excellence (PR Newswire)
Aug-23-24 04:15PM	ChoiceOne Financial Announces Cash Dividends (PR Newswire) +5.09%
Jul-26-24 10:47AM	ChoiceOne Financial Services, Inc. Announces Closing of $34.5 Million Offering of Common Stock (PR Newswire) +5.47%
Jul-25-24 08:30AM	ChoiceOne Financial Services, Inc. Announces Pricing of Common Stock Offering (PR Newswire) -14.05%
08:00AM	ChoiceOne Financial Services, Inc. Announces Merger with Fentura Financial, Inc. (PR Newswire)
08:00AM	ChoiceOne Financial Services, Inc. Announces Commencement of Common Stock Offering (PR Newswire)
07:30AM	ChoiceOne Reports Second Quarter 2024 Results (PR Newswire)
Jul-17-24 03:00PM	ChoiceOne Bank and DPT Solutions Offer Metriciti, A Commercial Lending Platform Built for Community Banking (PR Newswire) -9.75%
Jun-19-24 09:40AM	Should Value Investors Buy ChoiceOne Financial Services (COFS) Stock? (Zacks)
Jun-07-24 02:00PM	ChoiceOne Bank Awards 13 Scholarships to Local High School Seniors (PR Newswire)
Jun-03-24 09:40AM	Are Investors Undervaluing ChoiceOne Financial Services (COFS) Right Now? (Zacks)
May-29-24 04:05PM	CHOICEONE FINANCIAL ANNOUNCES CASH DIVIDENDS (PR Newswire)
May-17-24 09:40AM	Is ChoiceOne Financial Services (COFS) Stock Undervalued Right Now? (Zacks)
May-01-24 09:40AM	Is ChoiceOne Financial Services (COFS) a Great Value Stock Right Now? (Zacks)
Apr-24-24 05:44PM	ChoiceOne Financial Services Inc. (COFS) Q1 2024 Earnings Analysis: Surpasses EPS Estimates (GuruFocus.com)
04:15PM	ChoiceOne Reports First Quarter 2024 Results (PR Newswire)
Feb-28-24 04:15PM	CHOICEONE FINANCIAL ANNOUNCES CASH DIVIDENDS (PR Newswire)
Jan-29-24 06:22PM	ChoiceOne Bank Now Accepting Annual Scholarship Applications (PR Newswire) -5.25%
Jan-25-24 10:05AM	ChoiceOne Financial Services Inc Reports Mixed Results Amidst Historic Loan Growth (GuruFocus.com)
Jan-24-24 04:15PM	ChoiceOne Reports Fourth Quarter 2023 Results (PR Newswire)
Dec-21-23 11:45AM	ChoiceOne Bank Announces Kiwanis Inclusive Playground Commitment (PR Newswire)
Dec-14-23 10:36AM	ChoiceOne Bank Announces Newly Redesigned, Interactive Website (PR Newswire)
Nov-29-23 04:15PM	CHOICEONE FINANCIAL ANNOUNCES CASH DIVIDENDS (PR Newswire)
Oct-27-23 10:30AM	ChoiceOne Celebrates 125th Anniversary Ringing Nasdaq Stock Exchange Opening Bell (PR Newswire)
Oct-25-23 08:30AM	ChoiceOne Reports Third Quarter 2023 Results (PR Newswire) +5.08%
Aug-23-23 04:01PM	CHOICEONE FINANCIAL ANNOUNCES CASH DIVIDENDS (PR Newswire)
Jul-26-23 04:15PM	ChoiceOne Reports Second Quarter 2023 Results (PR Newswire)
May-24-23 04:30PM	ChoiceOne Financial Announces Cash Dividends (PR Newswire)
May-19-23 01:00PM	ChoiceOne Bank Announces Industry-Leading Technology Advanced Treasury Services for Business Customers (PR Newswire)
Apr-26-23 04:15PM	ChoiceOne Financial Reports First Quarter 2023 Results (PR Newswire)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Greenland Adom	Secretary	Mar 12 '26	Buy	27.40	500	13,700	3,690	Mar 16 01:45 PM
Burrough Eric E	Director	Mar 11 '26	Buy	27.50	5,000	137,500	180,397	Mar 12 03:19 PM
McConnell Gregory A	Director	Mar 06 '26	Buy	27.94	1,050	29,337	37,000	Mar 09 11:18 AM
McGinnis Bradley F.	Director	Mar 03 '26	Buy	29.15	1,000	29,150	15,301	Mar 04 01:44 PM
Burke Michael J. Jr.	President	Feb 27 '26	Buy	28.58	250	7,145	2,891	Mar 02 12:45 PM
McConnell Gregory A	Director	Feb 13 '26	Buy	29.04	1,550	45,005	35,950	Feb 17 02:18 PM
PETTY BRIAN P	Director	Feb 11 '26	Sale	29.56	15,000	443,400	91,107	Feb 12 12:58 PM
Henion Bradley	E.V.P. - ChoiceOne Bank (Sub.)	Dec 01 '25	Option Exercise	21.13	120	2,536	5,057	Dec 03 01:04 PM
Burrough Eric E	Director	Nov 17 '25	Buy	28.50	5,000	142,500	174,833	Nov 19 10:48 AM

ChoiceOne Financial Services, Inc. is a holding company, which engages in the provision of a variety of deposit, payment, credit, and other financial services to all types of customers, through its subsidiary, ChoiceOne Bank. The firm offers time, savings, and demand deposits, safe deposit services, and automated transaction machine services. It also provides commercial and consumer loans. The company was founded in 1898 and is headquartered in Sparta, MI.

CEO & DirectorMr. Kelly J. Potes CFP

President & DirectorMr. Michael J. Burke Jr.

CFOMr. Adom J. Greenland CPA

Executive VP & Chief Lending OfficerMr. Bradley A. Henion

SVP & Operations OfficerMr. Robert G. Michel

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COFS

Choiceone Financial Services Inc

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