Stocks · Financial Services · Banks - Regional
ChoiceOne Financial Services, Inc. COFS
$33.11 +0.73% Close, Oct 2, 2026 · NASDAQ · Market cap $495.0M
Next earnings report: Oct 23, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.63, up 181.4% year over year.
- Operating margin widened to 19.2% from 9.6% a year earlier.
- Net debt is 5.5× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 35%
- EPS growth (TTM, YoY)Top 6%
- FCF growth (TTM, YoY)Top 7%
- Revenue growth, 3-year CAGRTop 17%
- Revenue growth accelerationBottom 2%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 37%
- Gross marginBottom 42%
- Operating marginBottom 45%
- Cash conversion (OCF / net income)Bottom 44%
- Accruals (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Bottom 22%
- Interest coverBottom 27%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 12%
- Free-cash-flow yieldTop 29%
- EBITDA / enterprise valueBottom 47%
- Sales / enterprise valueBottom 34%
- P/E vs own 5-year history (lower is better)Bottom 49%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 38%
- 6-month returnTop 27%
- 1-year return vs S&P 500Top 36%
- Distance from 52-week highTop 33%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 44%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 48%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 48%
- Maximum drawdown, 3 yearsBottom 38%
- Beta vs S&P 500 (lower is better)Bottom 32%
- Net debt / EBITDA (lower is better)Bottom 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 59.6% | 2.7% | ↓ |
| EPS growth (YoY) | 193.7% | 181.4% | ↓ |
| Gross margin | 61.3% | 62.3% | ↑ |
| Operating margin | 9.6% | 19.2% | ↑ |
| FCF margin | 9.1% | 30.3% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.7% | 59.6% | ↓ | Bottom 35% |
| EPS growth (TTM, YoY) | 181.4% | 193.7% | ↓ | Top 6% |
| Gross margin | 62.3% | 61.3% | ↑ | Bottom 42% |
| Operating margin | 19.2% | 9.6% | ↑ | Bottom 45% |
| Net margin | 30.0% | 7.9% | ↑ | — |
| Free-cash-flow margin | 30.3% | 9.1% | ↑ | — |
| Return on invested capital | 3.4% | — | Top 37% | |
| Revenue growth, 3-year CAGR | 29.3% | — | Top 17% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.55×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.48%
- Net buyback yield (TTM)
- 0.48%
- Shareholder yield
- 3.96%
- Share count change, 1 year
- +0.2%
- Share count change, 3-year CAGR
- +25.9%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +3.8%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $38.00
- Target vs current price
- +14.8%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 24, 2026 | -5.7% | -2.8% | +0.5% | -1.3% | — |
| Apr 24, 2026 | +7.1% | +2.0% | -0.5% | +4.7% | +14.6% |
| Jan 30, 2026 | +1.1% | -2.9% | +1.6% | -3.2% | +2.0% |
| Oct 24, 2025 | +12.8% | +11.5% | +5.1% | +4.4% | +7.0% |
| Jul 25, 2025 | +13.7% | +4.6% | +1.3% | +2.5% | -9.2% |
| Apr 30, 2025 | +4.9% | +1.0% | +1.2% | +4.9% | +7.9% |
| Jan 22, 2025 | +1.2% | -2.0% | -3.8% | -7.4% | -26.0% |
| Oct 23, 2024 | +14.9% | +0.1% | +6.2% | +15.7% | +13.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 24, 2026 | $0.83 | $0.88 | -5.7% | $41.1M |
| Apr 24, 2026 | $0.91 | $0.85 | +7.1% | $42.5M |
| Jan 30, 2026 | $0.92 | $0.91 | +1.1% | $42.9M |
| Oct 24, 2025 | $0.97 | $0.86 | +12.8% | $44.7M |
| Jul 25, 2025 | $0.91 | $0.80 | +13.7% | $42.8M |
| Apr 30, 2025 | $0.86 | $0.82 | +4.9% | $44.9M |
| Jan 22, 2025 | $0.83 | $0.82 | +1.2% | $24.3M |
| Oct 23, 2024 | $0.85 | $0.74 | +14.9% | $25.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.1× | 8.9× | 57th | Top 12% |
| P/E (forward) | 8.9× | — | — | — |
| EV / EBITDA | 16.3× | — | — | Bottom 47% |
| EV / Sales | 4.11× | — | — | Bottom 34% |
| Free-cash-flow yield | 11.19% | — | — | Top 29% |
| Earnings yield | 10.96% | — | — | Top 12% |
P/E over the past five years
Range 6.7× – 23.9× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +16.5%
- Earnings per share growth (TTM)
- +181.4%
- Change in P/E multiple
- -58.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 123
- 50-day average slope (20 days)
- -0.3%
- 200-day average slope (20 days)
- +0.9%
- Distance from 50-day average
- -1.5%
- Distance from 200-day average
- +6.3%
- RSI (14)
- 48.4
- Relative volume
- 1.15×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.2%
- Volatility vs own 5-year history
- 10th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.85
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -4.4%
- Maximum drawdown, 3 years
- -33.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 9, 2020 | Oct 12, 2023 | -48.8% | 714 days | 51 days (Dec 26, 2023) |
| Dec 5, 2024 | Apr 11, 2025 | -33.2% | 86 days | Not yet recovered |
| Dec 26, 2023 | Apr 12, 2024 | -30.1% | 74 days | 110 days (Sep 19, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $495.0M
- P/E (TTM)
- 9.1
- EPS, diluted (TTM)
- $3.63
- Revenue (TTM)
- $182.7M
- Dividend yield
- 3.50%
- 52-week range
- $26.10 – $35.40
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $83.8M | $89.1M | $113.9M | $139.1M | $192.9M |
| Gross profit | $79.4M | $81.1M | $80.6M | $91.8M | $112.2M |
| Operating income | $26.5M | $27.7M | $25.6M | $33.1M | $34.2M |
| Net income | $22.0M | $23.6M | $21.3M | $26.7M | $28.2M |
| EPS (diluted) | $2.86 | $3.15 | $2.82 | $3.25 | $2.01 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.6M | $36.0M | $44.9M | $60.4M | $61.8M | $60.5M | $59.1M | $1.2M |
| Net income | $7.3M | $7.2M | -$13.9M | $13.5M | $14.7M | $13.9M | $13.7M | $12.5M |
| EPS (diluted) | $0.85 | $0.84 | -$1.30 | $0.90 | $0.97 | $0.92 | $0.91 | $0.83 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $37.7M | $44.3M | $46.5M | $48.6M | $31.8M |
| Capital expenditure | -$2.8M | -$1.2M | -$4.2M | -$1.7M | -$6.6M |
| Free cash flow | $34.9M | $43.2M | $42.2M | $46.9M | $25.2M |
| Dividends paid | -$7.2M | -$7.6M | -$7.9M | -$9.0M | -$16.9M |
| Net share buybacks | -$7.6M | -$510,000 | $231,000 | $32.8M | -$2.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $644.2M
- Total assets
- $4.46B
- Total liabilities
- $3.97B
- Total debt
- $343.5M
- Net debt
- $254.8M
- Shareholders’ equity
- $482.7M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.29 | Sep 30, 2026 |
| Jun 15, 2026 | $0.29 | Jun 30, 2026 |
| Mar 13, 2026 | $0.29 | Mar 31, 2026 |
| Dec 15, 2025 | $0.29 | Dec 31, 2025 |
| Sep 15, 2025 | $0.28 | Sep 30, 2025 |
| Jun 13, 2025 | $0.28 | Jun 30, 2025 |
| Mar 14, 2025 | $0.28 | Mar 31, 2025 |
| Dec 13, 2024 | $0.28 | Dec 31, 2024 |
Short interest
- Shares sold short
- 516,958
- Days to cover
- 7.92
- Change vs previous report
- +14.2%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 9, 2018
- 21-for-20
- May 8, 2017
- 21-for-20
- May 5, 2005
- 21-for-20