Choiceone Financial Services Stock Today

COFS Stock  USD 27.89  0.08  0.29%   

Performance

Very Weak

 
Weak
 
Strong

Odds Of Distress

Low

 
High
 
Low
ChoiceOne Financial is selling for under 27.89 as of the 21st of June 2025; that is 0.29 percent increase since the beginning of the trading day. The stock's lowest day price was 27.56. ChoiceOne Financial has only a 8 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. The performance scores are derived for the period starting the 26th of June 2024 and ending today, the 21st of June 2025. Click here to learn more.
Business Domain
Banks
IPO Date
31st of December 2001
Category
Financial Services
Classification
Financials
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan. The company has 14.98 M outstanding shares of which 104.39 K shares are currently shorted by private and institutional investors with about 1.57 trading days to cover. More on ChoiceOne Financial Services

Moving together with ChoiceOne Stock

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ChoiceOne Stock Highlights

ESG Sustainability
Environmental
Governance
Social
President DirectorMichael Burke
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.00960.0098
Fairly Down
Pretty Stable
Asset Turnover0.05760.0511
Moderately Up
Pretty Stable
Gross Profit Margin0.50.66
Way Down
Very volatile
Total Current Liabilities2.5 B2.4 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total89 M93.7 M
Notably Down
Very volatile
Total Assets2.9 B2.7 B
Sufficiently Up
Slightly volatile
Total Current Assets604.7 M575.9 M
Sufficiently Up
Slightly volatile
Total Cash From Operating Activities51.1 M48.6 M
Sufficiently Up
Slightly volatile
Debt Levels
ChoiceOne Financial can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand ChoiceOne Financial's financial leverage. It provides some insight into what part of ChoiceOne Financial's total assets is financed by creditors.
Liquidity
ChoiceOne Financial Services currently holds 210.75 M in liabilities with Debt to Equity (D/E) ratio of 6.37, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about ChoiceOne Financial's use of debt, we should always consider it together with its cash and equity.

Dividends Paid

(8.56 Million)
ChoiceOne Financial Services (COFS) is traded on NASDAQ Exchange in USA. It is located in 109 East Division Street, Sparta, MI, United States, 49345 and employs 605 people. ChoiceOne Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 417.91 M. ChoiceOne Financial conducts business under Banks sector and is part of Financials industry. The entity has 14.98 M outstanding shares of which 104.39 K shares are currently shorted by private and institutional investors with about 1.57 trading days to cover. ChoiceOne Financial Services currently holds about 51.49 M in cash with 48.65 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 6.86.
Check ChoiceOne Financial Probability Of Bankruptcy
Ownership Allocation
The market capitalization of ChoiceOne Financial is $417.91 Million. 30% of ChoiceOne Financial Services outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.
Check ChoiceOne Ownership Details

ChoiceOne Stock Institutional Holders

InstituionRecorded OnShares
Northern Trust Corp2025-03-31
64.9 K
Bridgeway Capital Management, Llc2025-03-31
59.2 K
Two Sigma Investments Llc2025-03-31
55 K
Maltese Capital Management Llc2025-03-31
52 K
Curi Rmb Capital2025-03-31
51.2 K
Morgan Stanley - Brokerage Accounts2025-03-31
51 K
Mendon Capital Advisors Corp2025-03-31
50 K
Renaissance Technologies Corp2025-03-31
45.2 K
Two Sigma Advisers, Llc2025-03-31
38.8 K
Fourthstone Llc2025-03-31
1.4 M
Blackrock Inc2025-03-31
514.1 K
View ChoiceOne Financial Diagnostics

ChoiceOne Financial Historical Income Statement

At this time, ChoiceOne Financial's EBITDA is comparatively stable compared to the past year. Total Operating Expenses is likely to gain to about 61.7 M in 2025, whereas Net Income From Continuing Ops is likely to drop slightly above 13.9 M in 2025. View More Fundamentals

ChoiceOne Stock Against Markets

ChoiceOne Financial Corporate Management

Sarah FerrisVP ControllerProfile
Daniel WheatMortgage OriginatorProfile
Kelly CFPCEO DirectorProfile
Shelly ChildersSenior OfficerProfile
Steven DeVolderSenior OfficerProfile

Additional Tools for ChoiceOne Stock Analysis

When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.