ChoiceOne Financial Services, Inc.
COFSFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, ChoiceOne Financial Services, Inc. focuses on Banks - Regional services and products. ChoiceOne Financial Services, Inc. The $512.4M market capitalization puts COFS squarely in small-cap range for its industry. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan.
Market Cap
$512.4M
Beta
0.64
P/E (TTM)
9.34
P/E (Fwd)
9.20
EPS (TTM)
$3.67
EPS (Fwd)
$3.72
ROE
12.0%
ROA
1.3%
Cash
$90.2M
Total Debt
$344.3M
Free CF
—
52W Change
12.0%
Annual Financials
Cash vs Debt
Where COFS stands vs its 150-day and 200-day moving averages
As of the October 20, 2026 close, COFS finished 3.53% above its 150-day moving average ($31.72) and 6.55% above its 200-day moving average ($30.82). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is COFS overbought or oversold?
At the October 20, 2026 close, COFS's RSI(14) was 50.7, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, COFS has $90.2M in cash with $344.3M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 12.0% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $81.4M (2022) to $161.7M (2025), reflecting a 99% increase over the period.
The relatively low beta of 0.64 suggests COFS is a less volatile holding compared to the broader index. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for ChoiceOne Financial Services, Inc. and its sector.