ChoiceOne Financial Services, Inc.
COFSFinancial ServicesNASDAQBanks - Regional · Last scanned Sep 8, 2026
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Daily timeframePart of the financial services sector, ChoiceOne Financial Services, Inc. (COFS) is listed under Banks - Regional. The $513.0M 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
$513.0M
Beta
0.61
P/E (TTM)
9.07
P/E (Fwd)
9.17
EPS (TTM)
$3.78
EPS (Fwd)
$3.74
ROE
12.0%
ROA
1.3%
Cash
$90.2M
Total Debt
$344.3M
Free CF
—
52W Change
12.5%
Annual Financials
Cash vs Debt
Where COFS stands vs its 150-day and 200-day moving averages
As of the September 2, 2026 close, COFS finished 7.02% above its 150-day moving average ($30.92) and 8.49% above its 200-day moving average ($30.50). 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 September 2, 2026 close, COFS's RSI(14) was 24.5, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish 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. Return on equity stands at 12.0%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. 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.
COFS's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing COFS.