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CF

ChoiceOne Financial Services, Inc. (COFS)

NASDAQ • Financial Services

$33.36
-$0.43 (-1.3%)
Market closed

Last close at September 16, 2026 at 20:00 UTC

Open$33.81
Day Range$32.8 - $33.82
Avg. Volume (3M)72.1K
Market Cap$498.7M
P/E Ratio9.2
52 Week Range
$26.1$35.4
Next EarningsIn 37 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 37 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

The day ended with COFS 1.3% lower at 33.36, in line with a weaker sector.

Trading Volume

Above 10d avg 66.7K

75.9K

vs S&P 500 Today

Underperforming Market

-0.72%

Updated: September 16, 2026 at 20:12 UTC

Technical Indicators

3 Buy2 Neutral3 Sell
COFS shows a mild bullish tilt with the current price near 33.36 trading above the 100- and 200-day averages while remaining close to and slightly below short-term moving averages, creating a mixed short-term picture. Momentum measures are modestly positive with MACD and a small momentum reading signaling buy, and volume supports the bias given a positive OBV. Trend strength is weak with ADX below 10 and volatility is subdued, so the upside appears gradual rather than conviction-driven. Technical takeaway: Buy — longer-term moving averages and supportive volume underpin a modest bullish bias.
All signals
  • EMA (5 indicators)$31.42 - $33.76
    Sell
  • RSI (14)45.16
    Neutral
  • Stochastic %K (14, 3, 3)63.84
    Neutral
  • MACD Level (12, 26)0.03
    Buy

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