ChoiceOne Financial Services, Inc.
COFSFinancial ServicesNASDAQBanks - Regional · Last scanned Jul 18, 2026
Scan Results
Daily timeframePart of the financial services sector, ChoiceOne Financial Services, Inc. (COFS) is listed under Banks - Regional. At a $508.1M market cap, ChoiceOne Financial Services, Inc. ranks as a small-cap company within financial services. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan.
Market Cap
$508.1M
Beta
0.62
P/E (TTM)
8.04
P/E (Fwd)
9.21
EPS (TTM)
$4.22
EPS (Fwd)
$3.68
ROE
12.4%
ROA
1.3%
Cash
$85.7M
Total Debt
$234.5M
Free CF
—
52W Change
16.2%
Annual Financials
Cash vs Debt
ChoiceOne Financial Services, Inc. carries $234.5M in total debt against $85.7M in cash reserves — debt is roughly 2.7x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 12.4%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% 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.
COFS's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence ChoiceOne Financial Services, Inc.'s trajectory.