ChoiceOne Financial Services Inc (COFS) stock
COFSNasdaqState Commercial BanksFiscal year ends December 31
$36.91+0.04 (+0.11%)
Close on Nov 13, 2026Market cap $552.01MP/E –Yield 3.06%
ChoiceOne Financial Services statistics
86 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 29, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.76
- 1.52
- P/OCF Ratio
- 9.27
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 3.50
- 2.95
- EV / FCF
- 8.80
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 20.6%
- 0.33%
- Shares Change (QoQ)
- -0.21%
- 0.00%
- Float
- 14M
- 17M
- Shares Held by Insiders
- 6.55%
- 6.05%
- Shares Held by Institutions
- 46.8%
- 61.3%
Short sellingIndustry
- Short Interest
- 381,580
- –
- Short Interest Change
- -26.4%
- -4.13%
- Short % of Float
- 2.73%
- 3.58%
- Short % of Shares Outstanding
- 2.55%
- 3.18%
- Days to Cover
- 4.76
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $38.89
- –
- 52-Week Low
- $26.63
- –
- 20-Day Moving Average
- $35.50
- –
- 50-Day Moving Average
- $34.08
- –
- 200-Day Moving Average
- $31.93
- –
- Average True Range (14)
- $0.93
- –
- Price Change (1 Week)
- 0.60%
- 0.69%
- Price Change (1 Month)
- 12.1%
- 3.79%
- Price Change (3 Months)
- 8.02%
- -2.72%
- Price Change (6 Months)
- 21.9%
- 12.2%
- Price Change (YTD)
- 25.0%
- 19.9%
- Price Change (1 Year)
- 25.4%
- 25.7%
- Price Change (3 Years)
- 49.1%
- 65.1%
- Price Change (5 Years)
- 41.7%
- 26.9%
- Price Change (10 Years)
- 60.5%
- 66.8%
- Average Volume (10 Days)
- 78,944
- –
- Average Volume (20 Days)
- 82,458
- –
- Average Volume (90 Days)
- 82,159
- –
- Relative Volume
- 0.79
- 0.68
- Relative Strength Index (14)
- 65.9
- 53.1
- Volatility (1 Year)
- 24.4%
- 24.4%
- Beta (5 Years)
- 0.54
- 0.63
MarginsIndustry
- Pretax Margin
- 50.7%
- 37.0%
- FCF Margin
- 39.7%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 11.9%
- 10.7%
- Return on Assets (ROA)
- 1.25%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 43.5%
- 11.7%
- Net Income Growth (YoY)
- 154.2%
- 22.6%
- FCF Growth (YoY)
- 44.2%
- 27.2%
- Revenue Growth (3Y CAGR)
- 36.7%
- 5.82%
- Revenue Growth (5Y CAGR)
- 25.3%
- 6.17%
- EPS Growth (3Y CAGR)
- -13.9%
- 1.31%
- EPS Growth (5Y CAGR)
- -0.59%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.03
- 0.04
- Revenue Per Employee
- $218.44K
- $358.92K
- Profits Per Employee
- $91.27K
- $110.51K
- Employee Count
- 598
- 492
- WACC
- 7.82%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $66.25M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $94.97M
- $165.09M
- Net Cash Per Share
- $6.35
- $8.07
- Equity (Book Value)
- $469.81M
- $570.13M
- Book Value Per Share
- $31.41
- $28.12
- Tangible Book Value
- $313.64M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$7.64M
- -$4.24M
- FCF Per Share
- $3.47
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 9.89%
- 8.29%
- FCF Yield
- 9.41%
- 9.18%
- Dividend Yield
- 3.06%
- 2.44%
- Buyback Yield
- 1.01%
- 1.82%
- Shareholder Yield
- 4.07%
- 3.26%
- Dividend Per Share
- $1.13
- $0.92
- Dividend Growth (YoY)
- 3.67%
- 4.26%
- Years of Dividend Growth
- 5
- 2
- Payout Ratio
- 31.8%
- 28.5%
- FCF Payout Ratio
- 33.4%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $11.67M
- $16.14M
- Effective Tax Rate
- 17.6%
- 21.1%
Scores and fair valueIndustry
- Altman Z-Score
- 0.15
- 0.22
- Piotroski F-Score
- 4
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | COFS | S&P 500 | Difference | COFS per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +13.6% | -3.0% | +16.6 pts | ||
| 3 months | +8.1% | -2.8% | +10.9 pts | ||
| Year to date | +28.6% | +11.5% | +17.1 pts | ||
| 1 year | +28.6% | +13.5% | +15.2 pts | ||
| 3 years | +84.2% | +77.7% | +6.5 pts | +22.6% | +21.1% |
| 5 years | +72.8% | +72.6% | +0.2 pts | +11.6% | +11.5% |
| 10 years | +163.8% | +308.2% | −144.4 pts | +10.2% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M COFS shares were sold short on Oct 30, 2026, down 26.4% from the previous report, or 2.73% of the shares available to trade. At recent volumes it would take 4.8 days to buy them back. Over the last 20 sessions, 56.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 381,580 | -26.4% | 80,169 | 4.8 |
| Oct 15, 2026 | 518,438 | -0.4% | 85,937 | 6.0 |
| Sep 30, 2026 | 520,355 | +0.7% | 80,008 | 6.5 |
| Sep 15, 2026 | 516,958 | +14.2% | 65,256 | 7.9 |
| Aug 31, 2026 | 452,754 | +14.8% | 75,159 | 6.0 |
| Aug 14, 2026 | 394,552 | +26.6% | 71,765 | 5.5 |
| Jul 31, 2026 | 311,568 | +5.1% | 101,057 | 3.1 |
| Jul 15, 2026 | 296,356 | -10.4% | 83,497 | 3.5 |
| Jun 30, 2026 | 330,661 | +22.5% | 150,984 | 2.2 |
| Jun 15, 2026 | 269,985 | +22.2% | 85,622 | 3.1 |
| May 29, 2026 | 220,894 | +22.9% | 78,224 | 2.8 |
| May 15, 2026 | 179,715 | +0.0% | 60,466 | 3.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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