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Zacks Company Profile for ChoiceOne Financial Services, Inc. (COFS : NSDQ)
 
 • Company Description   
ChoiceOne Financial Services Inc. is a financial holding company and the parent corporation of ChoiceOne Bank and Lakestone Bank & Trust. It offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services Inc. is headquartered in Sparta, Michigan.

Number of Employees: 392

 
 • Price / Volume Information   
Yesterday's Closing Price: $30.21 Daily Weekly Monthly
20 Day Moving Average: 174,130 shares
Shares Outstanding: 14.98 (millions)
Market Capitalization: $452.67 (millions)
Beta: 0.55
52 Week High: $38.15
52 Week Low: $24.89
Short Interest Ratio:
  % Price Change % Price Change Relative to S&P 500
4 Week 3.07% -1.51%
12 Week 19.98% 2.47%
Year To Date -15.24% -20.60%
 
 • Address & Contact Information
Street Address Phone / Fax Email Address Web URL
109 EAST DIVISION P O BOX 186
-
SPARTA,MI 49345
USA
ph: 616-887-7366
fax: -
ir@choiceone.com http://www.choiceone.bank
 
 • General Corporate Information   
Officers
Kelly J. Potes - Chief Executive Officer
Jack G. Hendon - Chairman of the Board and Director
Michael J. Burke - President and Director
Adom J. Greenland - Chief Financial Officer andTreasurer
Greg L. Armock - Director

Peer Information
ChoiceOne Financial Services, Inc. (EIIN)
ChoiceOne Financial Services, Inc. (AFMI)
ChoiceOne Financial Services, Inc. (DRL)
ChoiceOne Financial Services, Inc. (GRFPY)
ChoiceOne Financial Services, Inc. (IGOT)
ChoiceOne Financial Services, Inc. (ATLC)
Industry / Sector / Ticker Info
Analyst Coverage: No
Industry Group: FIN-MISC SVCS
Sector: Finance
CUSIP: 170386106
SIC: 6022
Fiscal Year
Fiscal Year End: December
Last Reported Quarter: 03/01/25
Next Expected EPS Date: 07/24/25
Share - Related Items
Shares Outstanding: 14.98
Most Recent Split Date: (:1)
Beta: 0.55
Market Capitalization: $452.67 (millions)
 
 
 • EPS Information     • Dividend Information
Analyst Coverage: No Dividend Yield: 3.71%
Current Fiscal Quarter EPS Consensus Estimate: $0.89 Indicated Annual Dividend: $1.12
Current Fiscal Year EPS Consensus Estimate: $3.42 Payout Ratio: 0.32
Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: -0.02
Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 06/13/2025 - $0.28
Next EPS Report Date: 07/24/25  
 

 • Fundamental Ratios
P/E
Current FY Estimate: 8.82
Trailing 12 Months: 8.66
PEG Ratio: -
Price Ratios
Price/Book: 1.06
Price/Cash Flow: 6.76
Price / Sales: 2.99
EPS Growth
vs. Year Ago Period: 16.22%
vs. Previous Quarter: 3.61%
Sales Growth
vs. Year Ago Period: 38.17%
vs. Previous Quarter: 24.56%
ROE
06/30/25 - -
03/31/25 - 10.93
12/31/24 - 11.94
ROA
06/30/25 - -
03/31/25 - 1.01
12/31/24 - 1.03
Current Ratio
06/30/25 - -
03/31/25 - 0.83
12/31/24 - 0.74
Quick Ratio
06/30/25 - -
03/31/25 - 0.83
12/31/24 - 0.73
Operating Margin
06/30/25 - -
03/31/25 - 20.73
12/31/24 - 19.94
Net Margin
06/30/25 - -
03/31/25 - 4.74
12/31/24 - 19.21
Pre-Tax Margin
06/30/25 - -
03/31/25 - 5.71
12/31/24 - 23.79
Book Value
06/30/25 - -
03/31/25 - 28.52
12/31/24 - 29.05
Inventory Turnover
06/30/25 - -
03/31/25 - 6.23
12/31/24 - 5.41
Debt-to-Equity
06/30/25 - -
03/31/25 - 0.43
12/31/24 - 0.81
Debt-to-Capital
06/30/25 - -
03/31/25 - 30.28
12/31/24 - 44.73
 

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