COFS Financial ServicesBeta data

ChoiceOne Financial Services, Inc.

$36.25-0.14%

Price as of close on Nov 3, 2026 · Financials updated Nov 2, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 540.8M USD
Full-time employees: 571

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: growing more slowly than most peersgrowing more slowly than peers
About average: profitability

Ranks #542 of 791 banks & insurance companies (bottom 32%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Fast revenue growth. Revenue grew 75% in the fiscal year to Dec 2025 vs the year before, faster than 95% of peers.
Revenue grew 75% in the fiscal year to Dec 2025 vs the year before, faster than 95% of its peers.

StockQuotient Score

43/ 100▼ 2 since Oct 27 close

Oct 5 47 → Nov 4 43 (-4)

Fundamentals: Yahoo Finance, not primary filings

Valuation

Is the price right?

70/100

Moderate▼ 4 since Oct 27 close

2/2 inputs reported · High confidence

Why it changed since the Oct 27, 2026 close: Score 74 → 70

Share price +4.4%-3
Company's reported figures updated-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield86.9%

Yahoo FinanceReported value40% base weight · Z-score 0.26Sector median: 0.7950 · MAD: 0.2843

Earnings yield10.1%

Yahoo Finance · trailing 12 monthsReported value60% base weight · Z-score 0.88Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield9.4%

Yahoo Finance · trailing 12 months · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

5/100

Weak

1/1 inputs reported · High confidence

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-38.2%

Yahoo Finance · fiscal year to Dec 2025Reported value100% base weight · Z-score -3.05Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth25.7%

Yahoo Finance · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth75.0%

Yahoo Finance · fiscal year to Dec 2025Outlier capped at sector 5th/95th percentileInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

55/100

Moderate

2/2 inputs reported · High confidence

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.2%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score 0.12Sector median: 0.0117 · MAD: 0.0062

Return on equity11.9%

Yahoo Finance · trailing 12 monthsReported value50% base weight · Z-score 0.29Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about ChoiceOne Financial Services

Is ChoiceOne Financial Services getting weaker?: Filing-by-filing changes are tracked only for companies that file with the US SEC. Its overall score is 43/100, down 2 since Oct 28, 2026.
How is ChoiceOne Financial Services valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 70/100 against 950 banks & insurance peers. Earnings yield 10.1% vs a peer median of 7.9% (stronger than 71% of peers).Earnings yield 10.1% vs peers 7.9% (stronger than 71% of peers).
Is ChoiceOne Financial Services growing?: More slowly than most of its peers. Growth scores 5/100 against 950 banks & insurance peers. Earnings per share growth -38.2% vs a peer median of 16.0% (weaker than 95% of peers).Earnings per share growth -38.2% vs peers 16.0% (weaker than 95% of peers).
How profitable is ChoiceOne Financial Services?: About as profitable as its peers. Profitability scores 55/100 against 950 banks & insurance peers.
How risky is ChoiceOne Financial Services?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Detailed annual statements come from structured SEC filing data, which most US companies and some foreign filers provide. They aren’t available for this company yet.

COFS price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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PT Saratoga Investama Sedaya TbkSRTG.JK93/ 100

Bringing the fundamentals into focus…

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: growing more slowly than most peersgrowing more slowly than peers

About average: profitability

Ranks #542 of 791 banks & insurance companies (bottom 32%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about ChoiceOne Financial Services

Is ChoiceOne Financial Services getting weaker?

Filing-by-filing changes are tracked only for companies that file with the US SEC. Its overall score is 43/100, down 2 since Oct 28, 2026.

How is ChoiceOne Financial Services valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 70/100 against 950 banks & insurance peers. Earnings yield 10.1% vs a peer median of 7.9% (stronger than 71% of peers).Earnings yield 10.1% vs peers 7.9% (stronger than 71% of peers).

Is ChoiceOne Financial Services growing?

More slowly than most of its peers. Growth scores 5/100 against 950 banks & insurance peers. Earnings per share growth -38.2% vs a peer median of 16.0% (weaker than 95% of peers).Earnings per share growth -38.2% vs peers 16.0% (weaker than 95% of peers).

How profitable is ChoiceOne Financial Services?

About as profitable as its peers. Profitability scores 55/100 against 950 banks & insurance peers.

How risky is ChoiceOne Financial Services?

Not rated for banks and insurers: debt and share-price swings say little about their risk.