ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc.

COFS·NASDAQ

$31.60

-3.4%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$473.21M
EPS2.0200
P/E Ratio14.61
Earnings Date07/24/2026

cofs

Net Debt

Last Annual Value

225.47M

3-Year CAGR

76%

5-Year CAGR

40%

10-Year CAGR

37%

ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. Competitors Analysis of Net Debt

COFS · NASDAQ
CompanyNet Debt
CAGR 3Y
CAGR 5Y
CAGR 10Y
225.47M
7.8%33.5%45.2% 
979.47M
15.7%21.5%10.0%
199.98M
82.5%N/A7.1%
-83.91M
N/AN/AN/A
1.09B
-8.8%12.0%10.1%
ACNB logo
ACNB Corporation
NASDAQ:ACNB
308.41M
17.8%N/A13.1%
251.36M
-11.8%167.7%N/A
-211.85M
N/AN/AN/A
21.17M
N/AN/AN/A
384.67M
10.6%N/A15.0%
228.64M
4.5%-8.8%N/A
ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. Fair Value Envelope

COFS · NASDAQ

Our analysis suggests that COFS has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $31.6, this represents a potential HIDDEN relative to our calculated worth for ChoiceOne Financial Services, Inc..

Intrinsic Value
Current Price: $31.6