COFS
CHOICEONE FINANCIAL SERVICES INC
Next earnings Jul 23, 2026 · consensus $0.90 EPS, $44.3M rev
Last earnings +2.0% on 2026-04-24
$32.88
▲ 0.00%$32.88▲ +19.82%
over 1Y
L $25.55EODHDH $33.09
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.0%
1W+2.5%
1M+5.1%
3M+21.9%
YTD+15.7%
1Y+19.8%
Buy
Conviction
Horizon
Medium (3–12mo)
Street · 9 analysts
Buy
Revenue grew 63.6% YoY.
Revenue (FY2025) $228M · FY2025
The read
Quality fundamentals and an attractive price line up (~128% below fair value) — the rarer case where both the business and the entry look good.
CHOICEONE FINANCIAL SERVICES INC shows $228M in FY2025 revenue (+63.6% YoY), a 12.4% net margin, and 6.1% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | $89.1M | $114M | $139M | $228M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $22.0M | $23.6M | $21.3M | $26.7M | $28.2M |
| Diluted EPS | $2.86 | $3.15 | $2.82 | $3.25 | $2.01 |
| Net margin | — | 26.5% | 18.7% | 19.2% | 12.4% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF19.6
PEG (trailing)3.02
Earnings yield5.7%
FCF yield5.1%
Quality & risk
ROIC (est.)—
Free cash flow$25.2M
Total debt—
Net cash$88.0M
Piotroski F-Score4/6
Capital returns
Buyback yield0.5%
Dividend yield (est.)3.4%
Shareholder yield4.0%
Shares Δ YoY+67.0%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗EFFECTFiling2026-06-18open ↗EFFECTFiling2026-06-18open ↗8-K/APeriod ending 2026-05-202026-05-27open ↗S-3Filing2026-05-22open ↗8-KPeriod ending 2026-05-202026-05-22open ↗POS AMFiling2026-05-22open ↗8-KPeriod ending 2026-05-202026-05-20open ↗10-QPeriod ending 2026-03-312026-05-11open ↗8-KPeriod ending 2026-05-052026-05-05open ↗4Period ending 2026-04-302026-05-04open ↗4Period ending 2026-04-302026-05-04open ↗4Period ending 2026-04-302026-05-04open ↗
Frequently asked
- Is CHOICEONE FINANCIAL SERVICES INC (COFS) a buy?
- COFS currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Revenue grew 63.6% YoY.
- What is COFS's fair value?
- A Modified-Graham model based on COFS's SEC fundamentals estimates a fair value of about $75.07. It is an estimate from reported earnings, not a price target.
- Is COFS overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, COFS currently appears undervalued relative to its SEC-grounded earnings power.
- What is CHOICEONE FINANCIAL SERVICES INC's quality score?
- COFS scores 74.02941176470587/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000803164, latest 10-Q filed 2026-05-11) · EODHD · as of 6/26/2026, 8:12:53 PM.
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