---
title: "ChoiceOne Financial Services, Inc. (COFS.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/COFS.US.md"
symbol: "COFS.US"
name: "ChoiceOne Financial Services, Inc."
industry: "Regional Banks"
datetime: "2026-05-21T18:32:05.748Z"
locales:
  - [en](https://longbridge.com/en/quote/COFS.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/COFS.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/COFS.US.md)
---

# ChoiceOne Financial Services, Inc. (COFS.US)

## Company Overview

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties.

| Item | Detail |
|------|--------|
| Industry | Regional Banks |
| Exchange | US Market |
| Website | [www.choiceone.bank](https://www.choiceone.bank) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: B
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-21T04:30:16.000Z

**Overall: B (0.35)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 79 / 329 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

**Multi Score**: B

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 92.46% |  |
| Net Profit YoY | 676.21% |  |
| P/B Ratio | 1.00 |  |
| Dividend Ratio | 3.64% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 469467347.25 |  |
| Revenue | 171007000.00 |  |

#### Multi Score Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 12.44% | B |
| Profit Margin | 32.62% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 92.46% | A |
| Net Profit YoY | 676.21% | A |
| Total Assets YoY | 2.07% | C |
| Net Assets YoY | 10.05% | B |
| Cash Flow Margin | 73.55% | C |
| OCF YoY | 92.46% | A |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - ChoiceOne Financial Services, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "92.46%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "676.21%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.00",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "3.64%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "469467347.25",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "171007000.00",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "12.44%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "32.62%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "92.46%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "676.21%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "2.07%",
          "rating": "C"
        },
        {
          "name": "Net Assets YoY",
          "value": "10.05%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "73.55%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "92.46%",
          "rating": "A"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 8.42 | 14/329 | 32.78 | 21.33 | 15.67 |
| PB | 1.00 | 82/329 | 1.04 | 0.99 | 0.95 |
| PS (TTM) | 2.75 | 51/329 | 4.28 | 3.58 | 3.00 |
| Dividend Yield | 3.64% | 49/329 | 3.95% | 3.80% | 3.69% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Truist Financial (TFC.US) | C | B | E | A | B | B |
| 02 | Huntington Bancshares (HBAN.US) | C | B | E | A | B | B |
| 03 | East West Bancorp (EWBC.US) | B | B | E | A | B | B |
| 04 | Pinnacle Financial (PNFP.US) | C | A | E | A | A | B |
| 05 | Wintrust Financial (WTFC.US) | B | B | E | A | B | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-05-04T04:00:00.000Z

Total Analysts: **3**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Buy | 2 | 67% |
| Hold | 1 | 33% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 31.56 |
| Highest Target | 35.00 |
| Lowest Target | 32.00 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/COFS.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/COFS.US/norm.md)
- [Related News](https://longbridge.com/en/quote/COFS.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/COFS.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**