ChoiceOne Financial Services, Inc.
General ticker "COFS" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $450.1M (TTM average)
ChoiceOne Financial Services, Inc. follows the US Stock Market performance with the rate: 52.9%.
Estimated limits based on current volatility of 1.4%: low 32.33$, high 33.26$
Factors to consider:
- Earnings expected soon, date: 2026-10-28 bmo
- Company pays dividends (quarterly): last record date 2026-09-15, amount 0.29$ (Y3.50%)
- Total employees count: 505 (+28.8%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Asset quality, Real estate exposure, Interest rate risk, Regulatory and compliance, Cybersecurity threats
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [23.54$, 32.55$]
- 2026-12-31 to 2027-12-31 estimated range: [22.73$, 31.89$]
Financial Metrics affecting the COFS estimates:
- Positive: with PPE of 8.2 at the end of fiscal year the price was neutral
- Positive: 6.77 < Operating cash flow per share per price, % of 7.57
- Positive: 15.80 < Operating profit margin, % of 17.72
- Negative: Interest expense per share per price, % of 15.68 > 10.35
- Positive: -0.55 < Return on assets ratio (scaled to [-100,100]) of 0.63
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
- Positive: 7.04 < Shareholder equity ratio, % of 10.55 <= 12.78
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
Short-term COFS quotes
Long-term COFS plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $113.89MM | $139.10MM | $192.89MM |
| Operating Expenses | $88.32MM | $106.01MM | $158.70MM |
| Operating Income | $25.57MM | $33.09MM | $34.19MM |
| Interest Expense | $33.09MM | $46.66MM | $65.89MM |
| Income(Loss) | $25.57MM | $33.09MM | $34.19MM |
| Taxes | $4.31MM | $6.36MM | $6.01MM |
| Net Income(Loss)* | $21.26MM | $26.73MM | $28.18MM |
| Stockholders Equity | $195.63MM | $260.42MM | $465.35MM |
| Assets | $2,576.71MM | $2,723.24MM | $4,410.55MM |
| Operating Cash Flow | $46.33MM | $47.08MM | $31.81MM |
| Capital expenditure | $4.23MM | $1.71MM | $6.63MM |
| Investing Cash Flow | $-181.22MM | $-96.34MM | $106.69MM |
| Financing Cash Flow | $146.37MM | $90.58MM | $-147.26MM |
| Earnings Per Share** | $2.82 | $3.27 | $2.02 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.