CHOICEONE FINANCIAL SERVICES INC (COFS)
Financials · Regional community banking · NASDAQ
A regional Michigan bank holding company providing commercial, consumer, and mortgage lending, deposits, and trust services to local communities.
What CHOICEONE FINANCIAL SERVICES INC does
ChoiceOne Financial Services, Inc. is a bank holding company operating ChoiceOne Bank, a full-service banking institution serving primarily western, central, and southeastern Michigan. The company provides deposit, credit, and payment services to commercial and consumer customers, including commercial lending (business, agricultural, construction, real estate), consumer loans, trust and wealth management services, and insurance agency operations through its subsidiary ChoiceOne Insurance Agencies, Inc.
Themes: ["Regional banking / community banking","Commercial lending","Mortgage lending","Wealth management / trust services","Deposit gathering"]
Fundamentals
- Price$32.76 as of 2026-07-09 close
- Market cap$489M as of 2026-07-10
- 1-year return+8.0% as of 2026-07-09 close
- P/E8.77 as of 2026-07-10
- Net margin+27.9% as of 2026-07-10
- ROE+12.3% as of 2026-07-10
- Debt / equity0.10 as of 2026-07-10
- Revenue growth (YoY)+28.6% as of 2026-07-10
- Revenue CAGR (3y)+36.7% SEC XBRL
- Beta0.62 as of 2026-07-10
Dividend: yield +3.6%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration in western, central, and southeastern Michigan markets exposes the company to regional economic downturns and real estate market volatility","Interest rate sensitivity affects net interest margin given the company's reliance on spread-based revenue from lending and deposits","Asset quality and credit risk from commercial and consumer loan portfolios, requiring ongoing management of loan loss allowances"]
Competitors & peers
- Lakeland Financial Corporation
- Mackinac Savings Bank
- Isabella Bank Corporation
- Horizon Bancorp
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.