Financial Services
Live Price
Offline$31.87
-0.96% today
1Y Change
+10.54%
Window
Jun 25, 2025 โ Jun 18, 2026
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
ChoiceOne Financial Services Inc. (COFS) is a Financial Services stock with a market cap of $460.00M and listed on NASDAQ. The stock last traded around $31.87 and up 10.5% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +38.7%, EPS growth of -38.2%, a dividend yield of 3.7%. What stands out right now is revenue +38.7%, EPS -38.2%, free cash flow -49.1% with operating margin 28.3% and ROIC 1.3%. The dividend matters to the case here, with a current yield around 3.7%. Valuation is more restrained than many high-expectation growth names at P/E 8.3 and price/sales 1.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines COFS price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+38.7% vs +3.4% peer median
Operating Margin
Above sector median
+28.3% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 29, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at +38.7% and EPS is at -38.2%, with operating margin around 28.3%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.7%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +1.0% over the next 5 trading days and finished higher after 2 of those reports.
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 29, 2026 | โ | -0.1% | +3.6% | +4.5% |
2026 Jan 30, 2026 | +1.1% | +3.3% | +5.7% | +2.6% |
2025 Oct 24, 2025 | +12.8% | -0.7% | -6.4% | -2.0% |
Benchmark Edge
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
COFS
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
COFS Max Drawdown
-16.16%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Uses the longest available daily history for COFS and SPY.
Company Overview
ChoiceOne Financial Services Inc.
NASDAQ
ChoiceOne Financial Services Inc. is a community-focused bank holding company headquartered in Sparta, Michigan. Its primary function is to provide a diverse range of financial services and products to individual and business clients within its market area. These services include traditional banking offerings such as checking and savings accounts, personal and business loans, as well as mortgage financing and investment advisory services. With a strong commitment to serving local communities, ChoiceOne Financial Services Inc. plays a vital role in supporting regional economic development. By tailoring their services to meet the unique needs of residents and businesses in the area, the company helps facilitate growth and financial stability in the region. In the financial market, ChoiceOne Financial Services Inc. is recognized for its customer-centric approach and community banking model which prioritize personalized service and relationship building. The company operates through a network of branch locations which enhance its accessibility and customer service delivery. As a result, ChoiceOne Financial Services Inc. is regarded as a significant contributor to the health and vitality of the local economies it serves.
Valuation, growth, profitability, and balance sheet signals.
Company announcements and filings-style updates.
Next Step
After the overview, the strongest next step is usually chart context or a tighter compare set.