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COFS (COFS) Stock

$34.24 +0.94% —: COFS —

Valuation

MetricValue
Price$34.24
Market Cap$512.74M
P/E Ratio15.73
P/B Ratio1.02
P/S Ratio1.96
EPS (TTM)$0.00
52-Week High$35.40
52-Week Low$26.10
Dividend Yield3.61%

Financials & Margins

MetricValue
ROE6.02%
ROA0.63%
ROCE7.30%
Gross Margin17.62%
Operating Margin17.62%
Net Margin23.07%
Debt/Equity0.50
Current Ratio0.06

Annual Financials (USD)

Metric20212022202320242025
Revenue$84.0M$89.0M$114.0M$139.0M$193.0M
Operating Profit$26.0M$28.0M$26.0M$33.0M$34.0M
Net Profit$22.0M$24.0M$21.0M$27.0M$28.0M
EPS$2.86$3.15$2.82$3.25$2.01
Op Margin31.6%31.0%22.4%23.8%17.7%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.4B$2.4B$2.6B$2.7B$4.4B
Total Liabilities$2.1B$2.2B$2.4B$2.5B$3.9B
Cash$32.0M$44.0M$55.0M$96.0M$88.0M
Borrowings$85.0M$85.0M$236.0M$211.0M$313.0M

Latest News

Why ChoiceOne Financial Services (COFS) is Poised to Beat Earnings Estimates Again Zacks · Jul 14, 2026 All You Need to Know About ChoiceOne Financial Services (COFS) Rating Upgrade to Buy Zacks · Jun 10, 2026 ChoiceOne Bank Awards Scholarships to 19 High School Seniors PR Newswire · Jun 4, 2026 ChoiceOne Financial Services And 2 Other Top Dividend Stocks To Consider Simply Wall St. · Jun 2, 2026 ChoiceOne Financial Announces Cash Dividends PR Newswire · May 20, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$38.0M$44.0M$46.0M$49.0M$21.0M
Investing Cash Flow$-524.0M$-91.0M$-186.0M$-100.0M$-36.0M
Financing Cash Flow$370.0M$65.0M$4.0M$92.0M$0
Net Cash Flow$-48.0M$12.0M$11.0M$41.0M$-97.0M
Free Cash Flow$35.0M$43.0M$42.0M$47.0M$14.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA20.54
FCF Yield6.51%
Quick Ratio0.52
Interest Coverage0.52
Return 1Y17.94%
Return 3Y61.17%
Return 5Y60.50%

Ownership

Insiders Held6.55%
Institutions Held46.18%
Institutions Float Held49.42%
Institutional HolderSharesReport Date
Blackrock Inc.963,2292026-03-31
Northern Trust Corporation691,7832026-03-31
Vanguard Capital Management LLC633,1482026-03-31
Alliancebernstein L.P.358,4952026-03-31
Geode Capital Management, LLC350,6352026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ACNB $64.15 -0.63% 15.05 $655.11M 2.63%
BWB $21.00 +1.74% 12.23 $585.50M 0.00%
CBNK $37.73 -0.55% 9.26 $614.55M 1.53%
FBIZ $68.68 +1.78% 9.14 $574.31M 2.24%
HBCP $72.16 -0.48% 10.73 $567.76M 1.89%

About COFS

COFS is led by CEO Kelly J. Potes, employs 605 people, headquartered in US, publicly traded since 2001.

COFS stock trades at $34.24 with a market capitalization of $512.74M. The stock is valued at a price-to-earnings (P/E) ratio of 15.73, price-to-book of 1.02, price-to-sales of 1.96. Over the past 52 weeks the stock has ranged between $26.10 and $35.40, and currently trades 3.3% below its 52-week high. It pays a dividend yielding 3.61%.

On profitability, COFS generates a return on equity (ROE) of 6.02%, return on capital employed of 7.30%, an operating margin of 17.62%, a net profit margin of 23.07%.

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