ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc.
Your view on COFS
Overview
What the company does, where it operates, and who runs it.
About ChoiceOne Financial Services, Inc.
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Kelly J. Potes CFP
- Headquarters
- 109 East Division Street, Sparta, MI, US
- Industry
- Banks - Regional
- Sector
- Financial Services
- CEO
- Kelly J. Potes CFP
- Headquarters
- 109 East Division Street, Sparta, MI, US
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services.
It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties.
In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients.
It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
Media
Infographics, videos, and posts covering the company.
Stock Data
Price chart, volume, and trading data.
Fair Value
What FRC thinks it is worth vs. the current price.
FRC's fair value estimate for ChoiceOne Financial Services, Inc., and the rating behind it. COFS last traded at $34.05, 9.3× trailing earnings — the estimate is read against that market price. FRC analysts run the firm's valuation model across the companies on this platform to estimate what each one is worth, rather than republishing a consensus average. Shows the current estimate, our rating, and when it was last revised. A free account covers 7 company valuations a month; a paid subscription is unlimited.
Financial Ratios
Profitability, returns, valuation, and leverage ratios.
Valuation, profitability, liquidity and leverage ratios for ChoiceOne Financial Services, Inc.. Starting points for ChoiceOne Financial Services, Inc.: P/E 9.3, EPS $3.64, beta 0.61 — an Banks - Regional name. P/E, P/B, EV/EBITDA, margins, return on equity, current ratio and debt coverage, each shown against the company's own history.
Dividend Analysis
Yield, payout ratio, and dividend coverage metrics.
Dividend history, yield and payout sustainability for ChoiceOne Financial Services, Inc.. ChoiceOne Financial Services, Inc. paid $1.15 per share over the last year — a 3.4% yield at the current $34.05 price. Per-share payments, yield over time, payout ratio and growth streak, with coverage measured against free cash flow.
Earnings Analysis
EPS history, beat rate, and upcoming earnings reports.
Reported vs. expected earnings history for ChoiceOne Financial Services, Inc.. Trailing twelve-month EPS for ChoiceOne Financial Services, Inc. stands at $3.64. EPS surprises by quarter, revenue against estimates, and the upcoming reporting date.
Financial Statements
Income statement, balance sheet, and cash flow statements.
Income statement, balance sheet and cash flow history for ChoiceOne Financial Services, Inc.. ChoiceOne Financial Services, Inc. has reported as a listed company since 2001. Annual and quarterly filings with period-over-period comparison, so you can trace how revenue, margins and cash generation have moved.
Comparables
List of peer companies in the same industry.
ChoiceOne Financial Services, Inc. valued side by side against its closest peers. ChoiceOne Financial Services, Inc. is measured against Banks - Regional peers within the Financial Services sector. Peer-relative multiples and operating metrics, so the valuation is read in the context of its own sector rather than in isolation.
Institutional Ownership
PremiumWhich funds and firms own the stock.
Which institutions hold ChoiceOne Financial Services, Inc., and how their positions are changing. At a $509.1M market value, institutional positions materially move ChoiceOne Financial Services, Inc.'s register. Top holders, position sizes, and quarter-over-quarter accumulation or distribution from regulatory filings. Included with FRC Premium.
Insider Trading
PremiumRecent buying and selling by company executives.
Buying and selling by ChoiceOne Financial Services, Inc. executives and directors. Shares of ChoiceOne Financial Services, Inc. have traded between $24.89 and $38.15 over the past 52 weeks — context for the timing of the transactions below. Insider transactions as disclosed to regulators, with role, size and date — the clearest read on how the people running the company are positioned. Included with FRC Premium.
Senate Trading
PremiumU.S. Senator disclosures filed under the STOCK Act.
U.S. Senate disclosures naming ChoiceOne Financial Services, Inc.. ChoiceOne Financial Services, Inc. is a $509.1M Financial Services company. Senators' reported transactions in this security, alongside the fundamentals — a signal most research platforms leave out entirely. Included with FRC Premium.
House Trading
PremiumU.S. Representative disclosures filed under the STOCK Act.
U.S. House of Representatives disclosures naming ChoiceOne Financial Services, Inc.. Representatives' reported transactions in this security, shown next to the company's fundamentals. Included with FRC Premium.
News
Latest headlines and market coverage.
Latest headlines and company announcements for ChoiceOne Financial Services, Inc.. Coverage tracks ChoiceOne Financial Services, Inc. within Banks - Regional (Financial Services). Press releases and market coverage, newest first.