Is COFS a good stock to buy right now?

Based on our 6-factor quantitative model, CHOICEONE FINANCIAL SERVICES INC (COFS) receives a "Hold" rating with a composite score of 47.7/100. It is ranked #1,844 out of 4,446 stocks. Key factor scores: Quality 47/100, Value 68/100, Momentum 40/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for COFS?

CHOICEONE FINANCIAL SERVICES INC (COFS) has a "Hold" rating and 3-star score. The composite score of 47.7 ranks it #1,844 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is COFS in?

CHOICEONE FINANCIAL SERVICES INC operates in the Financials sector (Banking industry) with a market cap of $425 million. It is classified as a small-cap stock.

Does COFS pay a dividend?

Yes, COFS pays a dividend with a current yield of 3.87%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $38.70 in annual dividend income.

What is COFS's P/E ratio?

COFS has a trailing P/E ratio of 19.94x. The Financials sector average is 14.9x. This P/E is in a moderate range relative to the broader market.

How profitable is COFS?

COFS's quality factor score is 47/100. Gross margin: 0.0%. ROE: 4.7% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is COFS valued compared to peers?

COFS's value factor score is 68/100 (higher = cheaper). Key multiples: P/E 19.9x, EV/EBITDA 16.2x. The stock appears attractively valued versus peers.

What is COFS's debt level?

COFS's debt-to-equity ratio is 848%. Sector average: 121%. Elevated leverage increases credit risk.

COFS has a beta of 0.67, meaning it is less volatile than the market. Stability score: 80/100.

Does COFS have high short interest?

COFS's short interest factor score is 32/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

COFS Stock Analysis: Top Small-Cap Hold (Score 47.7/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
COFS	-0.96%	+5.37%	+7.10%	+1.73%	+17.76%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.89%	+1.77%	+6.76%	+2.09%	-11.76%	-	-	-
Alpha vs Sector	+0.13%	+2.86%	+5.68%	+9.03%	+7.18%	-	-	-

Metric	COFS	Benchmark
P/E Ratio	19.9x	+34%
EV/EBITDA	16.2x	+397%
Price / Book	0.9x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
COFS CHOICEONE FINANCIAL SERVICES INC	48	47	68	40	19.9x	4.7%	0.0%	186.7%	66.7%	848.0x	$425M

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.7%	0.8%	0.8%	0.7%	0.7%
Operating Margin %	2.3%	0.2%	0.2%	0.3%	0.4%	0.4%	0.3%	0.2%	0.2%	0.3%	0.3%
EBITDA Margin %	0.5%	0.2%	0.2%	0.3%	0.4%	0.4%	0.4%	0.3%	0.4%	0.4%	0.4%
Net Margin %	1.9%	0.1%	0.2%	0.2%	0.3%	0.3%	0.2%	0.2%	0.3%	0.2%	0.2%
FCF Margin %	-321.6%	-	-	-	-	-	9.0%	22.8%	19.8%	22.7%	33.5%
ROE %	0.0%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.0%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	3.4%	5.8%	10.0%	10.3%	12.9%	9.4%	11.2%	4.4%	8.3%	9.2%	8.1%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.7%

0.8%

0.7%

Operating Margin %

2.3%

0.2%

0.3%

0.4%

0.3%

0.2%

0.3%

EBITDA Margin %

0.5%

0.2%

0.3%

0.4%

0.3%

0.4%

Net Margin %

1.9%

0.1%

0.2%

0.3%

0.2%

0.3%

0.2%

FCF Margin %

-321.6%

9.0%

22.8%

19.8%

22.7%

33.5%

ROE %

0.0%

0.1%

0.0%

0.1%

ROA %

0.0%

ROIC %

3.4%

5.8%

10.0%

10.3%

12.9%

9.4%

11.2%

4.4%

8.3%

9.2%

8.1%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$58M	$228M	$139M	$99M	$75M	$65M	$74M	$37M	$29M	$28M	$27M	$26M
	—	—	—	—	—	—	$51M	$28M	$22M	$21M	$19M	$18M
Gross Margin	0.0%	---	---	---	---	---	69.2%	75.2%	76.1%	72.5%	71.1%	70.4%
	—	—	—	—	—	—	$8M	$3M	$2M	$2M	$3M	$2M
Total Operating Expenses	—	$193M	$106M	$73M	$47M	$38M	—	—	—	—	—	—
	$27M	$34M	$33M	$26M	$28M	$26M	$23M	$9M	$7M	$8M	$8M	$8M
EBIT	$27M	$34M	$33M	$26M	$28M	$26M	$23M	$9M	$7M	$8M	$8M	$8M
EBITDA	$27M	$34M	$33M	$26M	$28M	$26M	$27M	$12M	$11M	$11M	$11M	$10M
Operating Margin	232.6%	15.0%	23.8%	25.8%	36.9%	41.0%	30.8%	24.8%	23.9%	27.5%	28.9%	29.6%
EBITDA Margin	45.7%	15.0%	23.8%	25.8%	36.8%	41.0%	36.0%	31.4%	36.4%	38.8%	39.9%	39.0%
	—	—	—	$33M	$8M	$4M	$5M	$5M	$2M	$1M	$969K	$990K
	—	$34M	$33M	$26M	$28M	$26M	—	—	—	—	—	—
Income Tax Expense	—	$6M	$6M	$4M	$4M	$4M	$3M	$1M	$1M	$2M	$2M	$2M
	$22M	$28M	$27M	$21M	$24M	$22M	$16M	$7M	$7M	$6M	$6M	$6M
Net Margin	186.7%	12.4%	19.2%	21.5%	31.5%	34.1%	21.2%	19.4%	25.3%	21.7%	22.4%	22.0%
	$2.02	$2.02	$3.27	$2.82	$3.15	$2.87	$2.08	$1.58	$2.03	$1.79	$1.76	$1.67
Diluted EPS	$2.02	$2.01	$3.25	$2.82	$3.15	$2.86	$2.08	$1.58	$2.03	$1.79	$1.76	$1.67
Weighted Avg Basic	—	14M	8M	8M	8M	8M	—	—	—	—	—	—
Weighted Avg Diluted	—	14M	8M	8M	8M	8M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$58M

$228M

$139M

$99M

$75M

$65M

$74M

$37M

$29M

$28M

$27M

$26M

—

$51M

$28M

$22M

$21M

$19M

$18M

Gross Margin

0.0%

---

69.2%

75.2%

76.1%

72.5%

71.1%

70.4%

—

$8M

$3M

$2M

$3M

$2M

Total Operating Expenses

—

$193M

$106M

$73M

$47M

$38M

—

$27M

$34M

$33M

$26M

$28M

$26M

$23M

$9M

$7M

$8M

EBIT

$27M

$34M

$33M

$26M

$28M

$26M

$23M

$9M

$7M

$8M

EBITDA

$27M

$34M

$33M

$26M

$28M

$26M

$27M

$12M

$11M

$10M

Operating Margin

232.6%

15.0%

23.8%

25.8%

36.9%

41.0%

30.8%

24.8%

23.9%

27.5%

28.9%

29.6%

EBITDA Margin

45.7%

15.0%

23.8%

25.8%

36.8%

41.0%

36.0%

31.4%

36.4%

38.8%

39.9%

39.0%

—

$33M

$8M

$4M

$5M

$2M

$1M

$969K

$990K

—

$34M

$33M

$26M

$28M

$26M

—

Income Tax Expense

—

$6M

$4M

$3M

$1M

$2M

$22M

$28M

$27M

$21M

$24M

$22M

$16M

$7M

$6M

Net Margin

186.7%

12.4%

19.2%

21.5%

31.5%

34.1%

21.2%

19.4%

25.3%

21.7%

22.4%

22.0%

$2.02

$3.27

$2.82

$3.15

$2.87

$2.08

$1.58

$2.03

$1.79

$1.76

$1.67

Diluted EPS

$2.02

$2.01

$3.25

$2.82

$3.15

$2.86

$2.08

$1.58

$2.03

$1.79

$1.76

$1.67

Weighted Avg Basic

—

14M

—

Weighted Avg Diluted

—

14M

—

CHOICEONE FINANCIAL SERVICES INC (COFS) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does CHOICEONE FINANCIAL SERVICES INC Do?

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. CHOICEONE FINANCIAL SERVICES INC (COFS) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Kelly J. Potes and employs approximately 380 people. With a market capitalization of $425M, COFS is one of the notable companies in the Financials sector.

CHOICEONE FINANCIAL SERVICES INC (COFS) Stock Rating — Hold (April 2026)

As of April 2026, CHOICEONE FINANCIAL SERVICES INC receives a Hold rating with a composite score of 47.7/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.COFS ranks #1,844 out of 4,446 stocks in our coverage universe. Within the Financials sector, CHOICEONE FINANCIAL SERVICES INC ranks #537 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

COFS Stock Price and 52-Week Range

CHOICEONE FINANCIAL SERVICES INC (COFS) currently trades at $30.03. The stock lost $0.29 (1.0%) in the most recent trading session. The 52-week high for COFS is $35.40, which means the stock is currently trading -15.2% from its annual peak. The 52-week low is $24.89, putting the stock 20.7% above its annual trough. Recent trading volume was 58K shares, suggesting relatively thin trading activity.

Is COFS Overvalued or Undervalued? — Valuation Analysis

CHOICEONE FINANCIAL SERVICES INC (COFS) carries a value factor score of 68/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 19.94x, compared to the Financials sector average of 14.88x — a premium of 34%. The price-to-book ratio stands at 0.93x, versus the sector average of 1.22x. The price-to-sales ratio is 7.40x, compared to 0.90x for the average Financials stock. On an enterprise value basis, COFS trades at 16.19x EV/EBITDA, versus 3.26x for the sector.

Overall, COFS's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

CHOICEONE FINANCIAL SERVICES INC Profitability — ROE, Margins, and Quality Score

CHOICEONE FINANCIAL SERVICES INC (COFS) earns a quality factor score of 47/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 4.7%, compared to the Financials sector average of 8.5%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at 0.5% versus the sector average of 1.2%.

On a margin basis, CHOICEONE FINANCIAL SERVICES INC reports gross margins of 0.0%. The operating margin is 232.6% (sector: 21.8%). Net profit margin stands at 186.7%, versus 17.7% for the average Financials stock. Revenue growth is running at 66.7% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

COFS Debt, Balance Sheet, and Financial Health

CHOICEONE FINANCIAL SERVICES INC has a debt-to-equity ratio of 848.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.12x, suggesting adequate working capital coverage. Total debt on the balance sheet is $246M. Cash and equivalents stand at $98M.

COFS has a beta of 0.67, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for CHOICEONE FINANCIAL SERVICES INC is 80/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

CHOICEONE FINANCIAL SERVICES INC Revenue and Earnings History — Quarterly Trend

In TTM 2026, CHOICEONE FINANCIAL SERVICES INC reported revenue of $58M and earnings per share (EPS) of $2.02. Net income for the quarter was $22M. Gross margin was 0.0%. Operating income came in at $27M.

In FY 2025, CHOICEONE FINANCIAL SERVICES INC reported revenue of $228M and earnings per share (EPS) of $2.02. Net income for the quarter was $28M. Revenue grew 63.6% year-over-year compared to FY 2024. Operating income came in at $34M.

In Q3 2025, CHOICEONE FINANCIAL SERVICES INC reported revenue of $5M and earnings per share (EPS) of $0.98. Net income for the quarter was $15M. Revenue grew 57.7% year-over-year compared to Q3 2024. Operating income came in at $18M.

In Q2 2025, CHOICEONE FINANCIAL SERVICES INC reported revenue of $5M and earnings per share (EPS) of $0.90. Net income for the quarter was $14M. Revenue grew 51.9% year-over-year compared to Q2 2024. Operating income came in at $17M.

Over the past 8 quarters, CHOICEONE FINANCIAL SERVICES INC has demonstrated a growth trajectory, with revenue expanding from $3M to $58M. Investors analyzing COFS stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

COFS Dividend Yield and Income Analysis

CHOICEONE FINANCIAL SERVICES INC (COFS) currently pays a dividend yield of 3.9%. At this yield, a $10,000 investment in COFS stock would generate approximately $$387.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning COFS offers above-average income for its sector. With a net margin of 186.7%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

COFS Momentum and Technical Analysis Profile

CHOICEONE FINANCIAL SERVICES INC (COFS) has a momentum factor score of 40/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 32/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

COFS vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, CHOICEONE FINANCIAL SERVICES INC (COFS) ranks #537 out of 891 stocks based on the Blank Capital composite score. This places COFS in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing COFS against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full COFS vs S&P 500 (SPY) comparison to assess how CHOICEONE FINANCIAL SERVICES INC stacks up against the broader market across all factor dimensions.

COFS Next Earnings Date

No upcoming earnings date has been announced for CHOICEONE FINANCIAL SERVICES INC (COFS) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy COFS? — Investment Thesis Summary

CHOICEONE FINANCIAL SERVICES INC presents a balanced picture with arguments on both sides. The value score of 68/100 suggests attractive pricing relative to fundamentals. Low volatility (stability score 80/100) reduces downside risk.

In summary, CHOICEONE FINANCIAL SERVICES INC (COFS) earns a Hold rating with a composite score of 47.7/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on COFS stock.

Related Resources for COFS Investors

Explore more research and tools: COFS vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare COFS head-to-head with peers: COFS vs WTM, COFS vs OPY, COFS vs ACT.

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CHOICEONE FINANCIAL SERVICES INC (COFS) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does CHOICEONE FINANCIAL SERVICES INC Do?

CHOICEONE FINANCIAL SERVICES INC (COFS) Stock Rating — Hold (April 2026)

COFS Stock Price and 52-Week Range

Is COFS Overvalued or Undervalued? — Valuation Analysis

CHOICEONE FINANCIAL SERVICES INC Profitability — ROE, Margins, and Quality Score

COFS Debt, Balance Sheet, and Financial Health

CHOICEONE FINANCIAL SERVICES INC Revenue and Earnings History — Quarterly Trend

COFS Dividend Yield and Income Analysis

COFS Momentum and Technical Analysis Profile

COFS vs Competitors — Financials Sector Ranking and Peer Comparison

COFS Next Earnings Date

Should You Buy COFS? — Investment Thesis Summary

Related Resources for COFS Investors

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ChoiceOne Financial Services declares $0.29 dividend (NASDAQ:COFS)

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