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CF

ChoiceOne Financial Services, Inc. (COFS)

NASDAQ • Financial Services

$32.96
-$0.38 (-1.1%)
Market closed

Last close at September 21, 2026 at 20:00 UTC

Open$33.33
Day Range$32.88 - $33.36
Avg. Volume (3M)74.3K
Market Cap$493.6M
P/E Ratio9.1
52 Week Range
$26.1$35.4
Next EarningsIn 32 daysOct 23, 2026

Metrics Over Time

Where the Money Goes

Q2 2026
Revenueeverything earned$1.2M100%
Net Incomeminus taxes and the rest$12.4M998%

Fundamentals & Financials

Revenue (TTM)
$182.6M
Net Income (TTM)
$54.7M
EPS (TTM)
$3.64
ROA (TTM)
1.23%
Current Ratio
0.17
Dividend Yield
0.85%

TTM is calculated as the sum of the four most recently completed quarters. This is a standard approach when monthly or real-time data is not available.

Earnings

+1.1%Q1 2026$0.92
+7.1%Q2 2026$0.91
-5.7%Q3 2026$0.83
Next

Oct 23

in 32 daysQ4 2026

% — EPS deviation from the forecast (beat / miss); quarters without a forecast show the reported EPS

Latest report — Q3 2026
Miss -5.7%

ChoiceOne Financial Services’ earnings missed expectations in the second fiscal quarter of 2026, with EPS of $0.83 trailing the $0.88 estimate (-5.7%) as reported July 24, 2026, based on preliminary results. Net income declined 7.9% year over year to about $12.5 million, down from about $13.5 million a year ago, and EPS was down 8.8% from $0.91 in the prior-year quarter. Shareholder returns included roughly $1.1 million of stock repurchases and about $4.3 million paid in dividends during the quarter. Looking ahead, consensus for the next period calls for EPS of $0.93 on revenue of $44.5 million.

View full earnings history

About ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. is a Michigan community banking company listed on the NASDAQ Capital Market as COFS. It operates in regional banking through ChoiceOne Bank, gathering deposits and making loans across the state, and generated $192.9 million of revenue in FY2025.

Name
ChoiceOne Financial Services, Inc.
CEO
Kelly J. Potes
Website
www.choiceone.bank
Industry
Financial Services
Year Founded
1898
Employees
577

Today's Snapshot

AI-generated

COFS closed 1.1% below yesterday's close, while its sector was flat. Volume was about two-thirds of its usual level.

Trading Volume

Below 10d avg (81.8K)

48.5K

vs S&P 500 Today

Underperforming Market

-2.75%

Updated: September 21, 2026 at 21:21 UTC

Technical Indicators

2 Buy2 Neutral4 Sell
COFS shows a mildly bearish posture driven by weak momentum and a lack of trending conviction. The stock trades just under $33 while short- and medium-term moving averages sit above the price, yet the 200-day averages remain lower, producing a mixed time-frame picture. Momentum measures are tilted negative—RSI in the low 40s and a slightly negative MACD—while ADX near 11 signals an absence of a strong trend. Volatility is modest and ATR is small, and on-balance volume reads soft. Technical takeaway: Sell, reflecting bearish short/medium MA alignment and weak momentum.
All signals
  • EMA (5 indicators)$31.42 - $33.60
    Sell
  • RSI (14)40.32
    Neutral
  • Stochastic %K (14, 3, 3)34.24
    Neutral
  • MACD Level (12, 26)-0.08
    Sell

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