CHOICEONE FINANCIAL (COFS) — Analysis Summary
CHOICEONE FINANCIAL (COFS) has a market cap of $489.20M with year-over-year revenue growth of +63.6%. Net margin stands at 12.4%. The stock trades at a P/E ratio of 8.9.
Key Takeaways
- Revenue changed +63.6% year-over-year
- Net margin of 12.4%
- P/E ratio of 8.9
Compared to other companies in the STATE COMMERCIAL BANKS sector, COFS posted revenue growth of +63.6% and trades at a P/E of 8.9.
CHOICEONE FINANCIAL (COFS)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsHigh Risk Signals
Multiple material red flags are active and deserve closer underwriting before relying on any valuation output.
Interest coverage at 0.0x — earnings do not cover interest payments
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
Sector
STATE COMMERCIAL BANKS
Employees
598
Headquarters
SPARTA, MI
Exchange
XNAS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$1.16
Dividend Yield
3.55%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.