ChoiceOne Financial Services, Inc. (COFS) Stock

About ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. is led by CEO Kelly J. Potes, employs 605 people, headquartered in US, publicly traded since 2001.

ChoiceOne Financial Services, Inc. (COFS) stock trades at $34.26 with a market capitalization of $512.38M. The stock is valued at a price-to-earnings (P/E) ratio of 9.10, price-to-book of 1.03, price-to-sales of 2.71. Over the past 52 weeks the stock has ranged between $26.10 and $35.40, and currently trades 3.2% below its 52-week high. It pays a dividend yielding 3.50%.

On profitability, ChoiceOne Financial Services, Inc. generates a return on equity (ROE) of 11.72%, return on capital employed of 6.27%, an operating margin of 17.62%, a net profit margin of 29.96%.

ChoiceOne Financial Services, Inc. by the numbers, 2016–2025

Between 2016 and 2025 ChoiceOne Financial Services, Inc. reported revenue of $28.0M rising to $193.0M, a change of +589.3% across 10 years. Compounded, revenue has grown 19.9% a year over five years, 29.4% over three, 38.9% over the last twelve months. Net profit rose to $28.0M.

Operating margin went from 29.3% in 2016 to 17.7% in 2025, a fall of 11.6 percentage points. The most recent net margin is 29.96%. On a trailing twelve-month basis to Jun '26, revenue is $182.0M and net profit $55.0M.

Borrowings rose from $20.0M to $313.0M, cash from operations was $32.0M in the latest year, positive in 10 of the last 10.

Return on equity has averaged 10.2% over five years, and was 6.0% in the most recent year.

The share price itself has compounded at —% a year over five years, —% over three, —% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

ChoiceOne Financial Services, Inc. (COFS) — frequently asked questions