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ChoiceOne Financial Services Inc Share Price

COFS

NAQ

$28.77

+$0.03

(0.1%)

Industry: Banks Sector: Financials

ChoiceOne Financial Services Inc Analyst Forecast

Overview Returns Financials Ratios News FAQs

ChoiceOne Financial Services Inc Share Price Chart

ChoiceOne Financial Services Inc Key Stock Metrics

Market Cap info-icon

This is a company’s total value as determined by the stock market. It is calculated by multiplying the total number of a company's outstanding shares by the current market price of one share.

$431.13M

P/E Ratio

This is the ratio of a security’s current share price to its earnings per share. This ratio determines the relative value of a company’s share.

14.3085

Volume

This is the total number of shares traded during the most recent trading day.

151.72K

Avg Volume info-icon

This is the average number of shares traded during the most recent 30 days.

Dividend Yield info-icon

This ratio shows how much income you earn in dividend payouts per year for every dollar invested in the stock (or the stock’s annual dividend payment expressed as a percentage of its current price).

3.89%

Beta

This measures the expected move in a stock’s price relative to movements in the overall market. The market, such as the S&P 500 Index, has a beta of 1.0. If a stock has a Beta greater (or lower) than 1.0, it suggests that the stock is more (or less) volatile than the broader market.

0.60

52-week Range info-icon

This shows the range of the stock’s price between the 52-week high (the highest price of the stock for the past 52 weeks) and the 52-week low (the lowest price of the stock for the past 52 weeks).

$24.2 L

$35.4 H

$28.77

About ChoiceOne Financial Services Inc, Common Stock

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan. The company offers time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers sells insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan. more

Industry: BanksSector: Financials

ChoiceOne Financial Services Inc Stock Returns

Time Frame	COFS	Sector	S&P500
1-Week Return	-2.44%	-1.02%	-1.31%
1-Month Return	2.35%	-1.88%	0.78%
3-Month Return	0.45%	1.62%	3.46%
6-Month Return	-3.49%	-0.57%	6.19%
1-Year Return	-11.83%	0.06%	11.68%
3-Year Return	1.55%	46.46%	71.21%
5-Year Return	11.99%	62.97%	74.81%
10-Year Return	34.4%	206.28%	256.59%

Time Frame	COFS	Sector	S&P500
1-Week Return	-72.42%	-41.41%	-49.72%
1-Month Return	32.66%	-20.62%	9.91%
3-Month Return	1.84%	6.73%	14.79%
6-Month Return	-6.95%	-1.15%	12.95%
1-Year Return	-11.83%	0.06%	11.68%
3-Year Return	0.51%	13.56%	19.63%
5-Year Return	2.29%	10.26%	11.82%
10-Year Return	3.00%	11.84%	13.56%

ChoiceOne Financial Services Inc Financials

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Revenue	83.81M	89.13M	113.89M	139.10M	192.89M	[{"date":"2021-12-31","value":43.45,"profit":true},{"date":"2022-12-31","value":46.21,"profit":true},{"date":"2023-12-31","value":59.04,"profit":true},{"date":"2024-12-31","value":72.11,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Cost of Revenue	4.39M	8.00M	33.24M	47.29M	80.70M	[{"date":"2021-12-31","value":5.44,"profit":true},{"date":"2022-12-31","value":9.91,"profit":true},{"date":"2023-12-31","value":41.2,"profit":true},{"date":"2024-12-31","value":58.6,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Gross Profit	79.42M	81.14M	80.64M	91.81M	112.19M	[{"date":"2021-12-31","value":70.79,"profit":true},{"date":"2022-12-31","value":72.32,"profit":true},{"date":"2023-12-31","value":71.88,"profit":true},{"date":"2024-12-31","value":81.84,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Gross Margin	94.76%	91.03%	70.81%	66.00%	58.16%	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":96.06,"profit":true},{"date":"2023-12-31","value":74.73,"profit":true},{"date":"2024-12-31","value":69.66,"profit":true},{"date":"2025-12-31","value":61.38,"profit":true}]

Operating Expenses	52.92M	53.48M	55.07M	58.72M	78.00M	[{"date":"2021-12-31","value":67.85,"profit":true},{"date":"2022-12-31","value":68.56,"profit":true},{"date":"2023-12-31","value":70.61,"profit":true},{"date":"2024-12-31","value":75.29,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Operating Income	26.50M	27.66M	25.57M	33.09M	34.19M	[{"date":"2021-12-31","value":77.51,"profit":true},{"date":"2022-12-31","value":80.9,"profit":true},{"date":"2023-12-31","value":74.78,"profit":true},{"date":"2024-12-31","value":96.79,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Non-Operating Income/Expense	87.14M	59.57M	59.14M	73.40M	-	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":68.36,"profit":true},{"date":"2023-12-31","value":67.87,"profit":true},{"date":"2024-12-31","value":84.24,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	26.50M	27.66M	25.57M	33.09M	34.19M	[{"date":"2021-12-31","value":77.51,"profit":true},{"date":"2022-12-31","value":80.9,"profit":true},{"date":"2023-12-31","value":74.78,"profit":true},{"date":"2024-12-31","value":96.79,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Income Taxes	4.46M	4.02M	4.31M	6.36M	6.01M	[{"date":"2021-12-31","value":70.04,"profit":true},{"date":"2022-12-31","value":63.16,"profit":true},{"date":"2023-12-31","value":67.68,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":94.5,"profit":true}]
Income After Taxes	22.04M	23.64M	21.26M	26.73M	-	[{"date":"2021-12-31","value":82.47,"profit":true},{"date":"2022-12-31","value":88.45,"profit":true},{"date":"2023-12-31","value":79.55,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	22.04M	23.64M	21.26M	26.73M	-	[{"date":"2021-12-31","value":82.47,"profit":true},{"date":"2022-12-31","value":88.45,"profit":true},{"date":"2023-12-31","value":79.55,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	22.04M	23.64M	21.26M	26.73M	28.18M	[{"date":"2021-12-31","value":78.23,"profit":true},{"date":"2022-12-31","value":83.9,"profit":true},{"date":"2023-12-31","value":75.46,"profit":true},{"date":"2024-12-31","value":94.86,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

EPS (Diluted)	2.86	3.15	2.82	3.37	3.66	[{"date":"2021-12-31","value":78.14,"profit":true},{"date":"2022-12-31","value":86.07,"profit":true},{"date":"2023-12-31","value":77.06,"profit":true},{"date":"2024-12-31","value":92.08,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Revenue	-	6.35%	27.77%	22.14%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":22.86,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":79.72,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Cost of Revenue	-	82.02%	315.77%	42.24%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":25.97,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":13.38,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Gross Profit	-	2.16%	(0.61%)	13.85%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":15.61,"profit":true},{"date":"2023-12-31","value":-4.4,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Gross Margin	-	(3.94%)	(22.21%)	(6.78%)	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]

Operating Expenses	-	1.05%	2.98%	6.63%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":15.89,"profit":true},{"date":"2023-12-31","value":45.04,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Operating Income	-	4.38%	(7.56%)	29.42%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":14.88,"profit":true},{"date":"2023-12-31","value":-25.7,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Non-Operating Income/Expense	-	(31.64%)	(0.72%)	24.12%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-131.18,"profit":false},{"date":"2023-12-31","value":-2.99,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	-	4.38%	(7.56%)	29.42%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":14.88,"profit":true},{"date":"2023-12-31","value":-25.7,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income Taxes	-	(9.83%)	7.17%	47.75%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-20.59,"profit":false},{"date":"2023-12-31","value":15.01,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income After Taxes	-	7.25%	(10.06%)	25.71%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":28.2,"profit":true},{"date":"2023-12-31","value":-39.14,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	-	7.25%	(10.06%)	25.71%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":28.2,"profit":true},{"date":"2023-12-31","value":-39.14,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	-	7.25%	(10.06%)	25.71%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":28.2,"profit":true},{"date":"2023-12-31","value":-39.14,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

EPS (Diluted)	-	10.14%	(10.47%)	19.49%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":52.02,"profit":true},{"date":"2023-12-31","value":-53.7,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Revenue	36.03M	44.88M	60.43M	61.84M	60.47M	[{"date":"2024-12-31","value":58.26,"profit":true},{"date":"2025-03-31","value":72.57,"profit":true},{"date":"2025-06-30","value":97.71,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":97.79,"profit":true}]
Cost of Revenue	11.89M	26.81M	18.25M	17.30M	18.34M	[{"date":"2024-12-31","value":44.34,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":68.08,"profit":true},{"date":"2025-09-30","value":64.53,"profit":true},{"date":"2025-12-31","value":68.39,"profit":true}]
Gross Profit	24.14M	18.07M	42.17M	44.54M	42.14M	[{"date":"2024-12-31","value":54.2,"profit":true},{"date":"2025-03-31","value":40.57,"profit":true},{"date":"2025-06-30","value":94.69,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":94.6,"profit":true}]
Gross Margin	67.00%	40.26%	69.79%	72.02%	69.68%	[{"date":"2024-12-31","value":93.03,"profit":true},{"date":"2025-03-31","value":55.9,"profit":true},{"date":"2025-06-30","value":96.9,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":96.74,"profit":true}]

Operating Expenses	15.34M	35.66M	25.51M	26.21M	25.35M	[{"date":"2024-12-31","value":43.02,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":71.52,"profit":true},{"date":"2025-09-30","value":73.5,"profit":true},{"date":"2025-12-31","value":71.08,"profit":true}]
Operating Income	8.80M	(17.59M)	16.67M	18.33M	16.79M	[{"date":"2024-12-31","value":48.01,"profit":true},{"date":"2025-03-31","value":-96.01,"profit":false},{"date":"2025-06-30","value":90.96,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":91.61,"profit":true}]
Total Non-Operating Income/Expense	28.15M	(30.29M)	36.16M	-	-	[{"date":"2024-12-31","value":77.85,"profit":true},{"date":"2025-03-31","value":-83.78,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	8.80M	(17.59M)	16.67M	18.33M	16.79M	[{"date":"2024-12-31","value":48.01,"profit":true},{"date":"2025-03-31","value":-96.01,"profit":false},{"date":"2025-06-30","value":90.96,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":91.61,"profit":true}]
Income Taxes	1.64M	(3.69M)	3.13M	3.65M	2.92M	[{"date":"2024-12-31","value":44.99,"profit":true},{"date":"2025-03-31","value":-101.21,"profit":false},{"date":"2025-06-30","value":86.01,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":80.14,"profit":true}]
Income After Taxes	7.16M	(13.91M)	13.53M	14.68M	-	[{"date":"2024-12-31","value":48.76,"profit":true},{"date":"2025-03-31","value":-94.72,"profit":false},{"date":"2025-06-30","value":92.19,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	7.16M	(13.91M)	13.53M	14.68M	-	[{"date":"2024-12-31","value":48.76,"profit":true},{"date":"2025-03-31","value":-94.72,"profit":false},{"date":"2025-06-30","value":92.19,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	7.16M	(13.91M)	13.53M	14.68M	13.87M	[{"date":"2024-12-31","value":48.76,"profit":true},{"date":"2025-03-31","value":-94.72,"profit":false},{"date":"2025-06-30","value":92.19,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":94.46,"profit":true}]

EPS (Diluted)	0.83	0.86	0.91	0.97	0.92	[{"date":"2024-12-31","value":85.57,"profit":true},{"date":"2025-03-31","value":88.66,"profit":true},{"date":"2025-06-30","value":93.81,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":94.85,"profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Revenue	-	24.56%	34.64%	2.34%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":70.9,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":6.76,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Cost of Revenue	-	125.51%	(31.92%)	(5.22%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":-25.43,"profit":false},{"date":"2025-09-30","value":-4.16,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Gross Profit	-	(25.15%)	133.40%	5.61%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-18.86,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":4.21,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Gross Margin	-	(39.91%)	73.35%	3.20%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-54.41,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":4.36,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Operating Expenses	-	132.44%	(28.48%)	2.78%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":-21.51,"profit":false},{"date":"2025-09-30","value":2.1,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Operating Income	-	(299.97%)	(194.74%)	9.94%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-3017.58,"profit":false},{"date":"2025-06-30","value":-1959.01,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Non-Operating Income/Expense	-	(207.61%)	(219.37%)	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Pre-Tax Income	-	(299.97%)	(194.74%)	9.94%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-3017.58,"profit":false},{"date":"2025-06-30","value":-1959.01,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income Taxes	-	(324.94%)	(184.98%)	16.27%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-1997.42,"profit":false},{"date":"2025-06-30","value":-1137.1,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income After Taxes	-	(294.25%)	(197.32%)	8.47%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-3471.94,"profit":false},{"date":"2025-06-30","value":-2328.33,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Income From Continuous Operations	-	(294.25%)	(197.32%)	8.47%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-3471.94,"profit":false},{"date":"2025-06-30","value":-2328.33,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Net Income	-	(294.25%)	(197.32%)	8.47%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-3471.94,"profit":false},{"date":"2025-06-30","value":-2328.33,"profit":false},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

EPS (Diluted)	-	3.61%	5.81%	6.59%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":54.82,"profit":true},{"date":"2025-06-30","value":88.18,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Assets
Current Assets	1.13B	573.69M	570.03M	575.87M	642.41M	[{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":50.73,"profit":true},{"date":"2023-12-31","value":50.41,"profit":true},{"date":"2024-12-31","value":50.93,"profit":true},{"date":"2025-12-31","value":56.81,"profit":true}]
Non-current Assets	1.24B	1.81B	2.01B	2.15B	209.11M	[{"date":"2021-12-31","value":57.55,"profit":true},{"date":"2022-12-31","value":84.39,"profit":true},{"date":"2023-12-31","value":93.45,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":9.74,"profit":true}]
Total Assets	2.37B	2.39B	2.58B	2.72B	4.41B	[{"date":"2021-12-31","value":53.66,"profit":true},{"date":"2022-12-31","value":54.1,"profit":true},{"date":"2023-12-31","value":58.42,"profit":true},{"date":"2024-12-31","value":61.74,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities
Current Liabilities	2.10B	2.17B	2.14B	2.37B	907.01M	[{"date":"2021-12-31","value":88.74,"profit":true},{"date":"2022-12-31","value":91.51,"profit":true},{"date":"2023-12-31","value":90.42,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":38.28,"profit":true}]
Non-current Liabilities	42.72M	49.04M	239.02M	93.72M	-	[{"date":"2021-12-31","value":17.87,"profit":true},{"date":"2022-12-31","value":20.52,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":39.21,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Liabilities	2.15B	2.22B	2.38B	2.46B	3.95B	[{"date":"2021-12-31","value":54.37,"profit":true},{"date":"2022-12-31","value":56.2,"profit":true},{"date":"2023-12-31","value":60.35,"profit":true},{"date":"2024-12-31","value":62.43,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Shareholders' equity
Common Stock	171.91M	172.28M	173.51M	206.78M	398.39M	[{"date":"2021-12-31","value":43.15,"profit":true},{"date":"2022-12-31","value":43.24,"profit":true},{"date":"2023-12-31","value":43.55,"profit":true},{"date":"2024-12-31","value":51.9,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Retained Earnings	52.33M	68.39M	73.70M	91.41M	102.64M	[{"date":"2021-12-31","value":50.99,"profit":true},{"date":"2022-12-31","value":66.63,"profit":true},{"date":"2023-12-31","value":71.8,"profit":true},{"date":"2024-12-31","value":89.06,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Other Stockholders' Equity	(2.58M)	(71.80M)	-	-	-	[{"date":"2021-12-31","value":-257600000,"profit":false},{"date":"2022-12-31","value":-7179700000,"profit":false},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Shareholders' equity	221.67M	168.87M	195.63M	260.42M	465.35M	[{"date":"2021-12-31","value":47.63,"profit":true},{"date":"2022-12-31","value":36.29,"profit":true},{"date":"2023-12-31","value":42.04,"profit":true},{"date":"2024-12-31","value":55.96,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	2.37B	2.39B	2.58B	2.72B	4.41B	[{"date":"2021-12-31","value":53.66,"profit":true},{"date":"2022-12-31","value":54.1,"profit":true},{"date":"2023-12-31","value":58.42,"profit":true},{"date":"2024-12-31","value":61.74,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25	5YR TREND
Total Assets
Current Assets	-	(49.27%)	(0.64%)	1.02%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-4811.18,"profit":false},{"date":"2023-12-31","value":-62.32,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Assets	-	46.63%	10.73%	7.01%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":23.01,"profit":true},{"date":"2024-12-31","value":15.04,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Assets	-	0.81%	8.00%	5.69%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":10.16,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":71.12,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities
Current Liabilities	-	3.13%	(1.20%)	10.60%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":29.49,"profit":true},{"date":"2023-12-31","value":-11.29,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Liabilities	-	14.79%	387.41%	(60.79%)	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":3.82,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-15.69,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Total Liabilities	-	3.36%	7.40%	3.43%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":45.39,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":46.41,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Shareholders' equity
Common Stock	-	0.21%	0.72%	19.17%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":1.1,"profit":true},{"date":"2023-12-31","value":3.74,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Retained Earnings	-	30.69%	7.76%	24.04%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":25.27,"profit":true},{"date":"2024-12-31","value":78.32,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Other Stockholders' Equity	-	2687.15%	-	-	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Shareholders' equity	-	(23.82%)	15.85%	33.11%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":-71.93,"profit":false},{"date":"2023-12-31","value":47.85,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities & Shareholders Equity	-	0.81%	8.00%	5.69%	-	[{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":10.16,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":71.12,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Assets
Current Assets	575.52M	155.09M	166.43M	107.63M	642.41M	[{"date":"2024-12-31","value":89.59,"profit":true},{"date":"2025-03-31","value":24.14,"profit":true},{"date":"2025-06-30","value":25.91,"profit":true},{"date":"2025-09-30","value":16.75,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Non-current Assets	88.14M	4.15B	4.14B	4.19B	209.11M	[{"date":"2024-12-31","value":2.1,"profit":true},{"date":"2025-03-31","value":99.07,"profit":true},{"date":"2025-06-30","value":98.92,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":4.99,"profit":true}]
Total Assets	2.72B	4.31B	4.31B	4.30B	4.41B	[{"date":"2024-12-31","value":61.74,"profit":true},{"date":"2025-03-31","value":97.61,"profit":true},{"date":"2025-06-30","value":97.73,"profit":true},{"date":"2025-09-30","value":97.42,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities
Current Liabilities	2.37B	3.74B	3.62B	3.62B	907.01M	[{"date":"2024-12-31","value":63.36,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":96.72,"profit":true},{"date":"2025-09-30","value":96.74,"profit":true},{"date":"2025-12-31","value":24.26,"profit":true}]
Non-current Liabilities	93.72M	139.26M	262.17M	230.26M	-	[{"date":"2024-12-31","value":35.75,"profit":true},{"date":"2025-03-31","value":53.12,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":87.83,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Liabilities	2.46B	3.88B	3.88B	3.85B	3.95B	[{"date":"2024-12-31","value":62.43,"profit":true},{"date":"2025-03-31","value":98.3,"profit":true},{"date":"2025-06-30","value":98.31,"profit":true},{"date":"2025-09-30","value":97.52,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Shareholders' equity
Common Stock	206.78M	397.86M	398.20M	398.69M	398.39M	[{"date":"2024-12-31","value":51.87,"profit":true},{"date":"2025-03-31","value":99.79,"profit":true},{"date":"2025-06-30","value":99.88,"profit":true},{"date":"2025-09-30","value":100,"profit":true},{"date":"2025-12-31","value":99.92,"profit":true}]
Retained Earnings	91.41M	73.32M	82.65M	93.12M	102.64M	[{"date":"2024-12-31","value":89.06,"profit":true},{"date":"2025-03-31","value":71.43,"profit":true},{"date":"2025-06-30","value":80.52,"profit":true},{"date":"2025-09-30","value":90.73,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Other Stockholders' Equity	-	3.88B	3.88B	3.85B	3.95B	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":98.3,"profit":true},{"date":"2025-06-30","value":98.31,"profit":true},{"date":"2025-09-30","value":97.52,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]
Total Shareholders' equity	260.42M	427.07M	431.76M	449.62M	465.35M	[{"date":"2024-12-31","value":55.96,"profit":true},{"date":"2025-03-31","value":91.77,"profit":true},{"date":"2025-06-30","value":92.78,"profit":true},{"date":"2025-09-30","value":96.62,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	2.72B	4.31B	4.31B	4.30B	4.41B	[{"date":"2024-12-31","value":61.74,"profit":true},{"date":"2025-03-31","value":97.62,"profit":true},{"date":"2025-06-30","value":97.73,"profit":true},{"date":"2025-09-30","value":97.42,"profit":true},{"date":"2025-12-31","value":100,"profit":true}]

	Dec '24	Mar '25	Jun '25	Sep '25	Dec '25	TREND
Total Assets
Current Assets	-	(73.05%)	7.32%	(35.33%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-998.54,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-482.91,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Assets	-	4608.71%	(0.16%)	1.10%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":0.02,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Total Assets	-	58.09%	0.12%	(0.31%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":0.2,"profit":true},{"date":"2025-09-30","value":-0.53,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities
Current Liabilities	-	57.83%	(3.28%)	0.02%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":-5.68,"profit":false},{"date":"2025-09-30","value":0.03,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Non-current Liabilities	-	48.59%	88.25%	(12.17%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":55.06,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-13.79,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Total Liabilities	-	57.47%	0.00%	(0.80%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":0.01,"profit":true},{"date":"2025-09-30","value":-1.4,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]

Total Shareholders' equity
Common Stock	-	92.41%	0.09%	0.12%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":0.09,"profit":true},{"date":"2025-09-30","value":0.13,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Retained Earnings	-	(19.80%)	12.73%	12.68%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":-155.56,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":99.6,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]
Other Stockholders' Equity	-	-	0.00%	(0.80%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-18573,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]
Total Shareholders' equity	-	64.00%	1.10%	4.14%	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":1.72,"profit":true},{"date":"2025-09-30","value":6.46,"profit":true},{"date":"2025-12-31","value":"-","profit":true}]

Total Liabilities & Shareholders Equity	-	58.10%	0.11%	(0.31%)	-	[{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":0.19,"profit":true},{"date":"2025-09-30","value":-0.53,"profit":false},{"date":"2025-12-31","value":"-","profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	8.48M	37.70M	45.02M	46.48M	48.65M	[{"date":"2020-12-31","value":17.43,"profit":true},{"date":"2021-12-31","value":77.5,"profit":true},{"date":"2022-12-31","value":92.54,"profit":true},{"date":"2023-12-31","value":95.55,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	(250.75M)	(521.37M)	(90.50M)	(181.37M)	(97.91M)	[{"date":"2020-12-31","value":-25075100000,"profit":false},{"date":"2021-12-31","value":-52137400000,"profit":false},{"date":"2022-12-31","value":-9049600000,"profit":false},{"date":"2023-12-31","value":-18136500000,"profit":false},{"date":"2024-12-31","value":-9791000000,"profit":false}]

Financing Activities
Net Financing Cash Flow	262.23M	436.04M	57.54M	146.37M	90.58M	[{"date":"2020-12-31","value":60.14,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":13.2,"profit":true},{"date":"2023-12-31","value":33.57,"profit":true},{"date":"2024-12-31","value":20.77,"profit":true}]

Net Change in Cash	19.96M	(47.63M)	12.06M	11.49M	41.32M	[{"date":"2020-12-31","value":48.31,"profit":true},{"date":"2021-12-31","value":-115.28,"profit":false},{"date":"2022-12-31","value":29.18,"profit":true},{"date":"2023-12-31","value":27.81,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Free Cash Flow
Free Cash Flow	6.63M	34.94M	43.85M	42.25M	46.94M	[{"date":"2020-12-31","value":14.12,"profit":true},{"date":"2021-12-31","value":74.44,"profit":true},{"date":"2022-12-31","value":93.42,"profit":true},{"date":"2023-12-31","value":90,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	-	344.67%	19.41%	3.25%	4.66%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":5.63,"profit":true},{"date":"2023-12-31","value":0.94,"profit":true},{"date":"2024-12-31","value":1.35,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	107.92%	(82.64%)	100.41%	(46.01%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-76.57,"profit":false},{"date":"2023-12-31","value":93.04,"profit":true},{"date":"2024-12-31","value":-42.64,"profit":false}]

Financing Activities
Net Financing Cash Flow	-	66.28%	(86.80%)	154.40%	(38.12%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":42.93,"profit":true},{"date":"2022-12-31","value":-56.22,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-24.69,"profit":false}]

Net Change in Cash	-	(338.63%)	(125.31%)	(4.69%)	259.60%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-130.44,"profit":false},{"date":"2022-12-31","value":-48.27,"profit":false},{"date":"2023-12-31","value":-1.81,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

Free Cash Flow
Free Cash Flow	-	427.32%	25.51%	(3.66%)	11.11%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":5.97,"profit":true},{"date":"2023-12-31","value":-0.86,"profit":false},{"date":"2024-12-31","value":2.6,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Operating Activities
Net Operating Cash Flow	(6.41M)	24.01M	(6.47M)	8.96M	15.29M	[{"date":"2024-09-30","value":-26.71,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-03-31","value":-26.96,"profit":false},{"date":"2025-06-30","value":37.31,"profit":true},{"date":"2025-09-30","value":63.7,"profit":true}]

Investing Activities
Net Investing Cash Flow	(60.30M)	(41.62M)	256.98M	10.05M	(42.12M)	[{"date":"2024-09-30","value":-23.46,"profit":false},{"date":"2024-12-31","value":-16.2,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":3.91,"profit":true},{"date":"2025-09-30","value":-16.39,"profit":false}]

Financing Activities
Net Financing Cash Flow	111.64M	(31.57M)	(207.84M)	(2.15M)	(30.48M)	[{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":-28.28,"profit":false},{"date":"2025-03-31","value":-186.16,"profit":false},{"date":"2025-06-30","value":-1.93,"profit":false},{"date":"2025-09-30","value":-27.3,"profit":false}]

Net Change in Cash	44.94M	(49.19M)	42.67M	16.86M	(57.30M)	[{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":-109.46,"profit":false},{"date":"2025-03-31","value":94.96,"profit":true},{"date":"2025-06-30","value":37.52,"profit":true},{"date":"2025-09-30","value":-127.52,"profit":false}]

Free Cash Flow
Free Cash Flow	(6.67M)	23.35M	(7.31M)	6.88M	13.69M	[{"date":"2024-09-30","value":-28.55,"profit":false},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-03-31","value":-31.29,"profit":false},{"date":"2025-06-30","value":29.48,"profit":true},{"date":"2025-09-30","value":58.65,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Operating Activities
Net Operating Cash Flow	-	(474.42%)	(126.96%)	(238.41%)	70.73%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-670.75,"profit":false},{"date":"2025-03-31","value":-179.5,"profit":false},{"date":"2025-06-30","value":-337.07,"profit":false},{"date":"2025-09-30","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	(30.97%)	(717.39%)	(96.09%)	(518.92%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":null,"profit":false}]

Financing Activities
Net Financing Cash Flow	-	(128.28%)	558.29%	(98.96%)	1315.56%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-9.75,"profit":false},{"date":"2025-03-31","value":42.44,"profit":true},{"date":"2025-06-30","value":-7.52,"profit":false},{"date":"2025-09-30","value":100,"profit":true}]

Net Change in Cash	-	(209.46%)	(186.75%)	(60.49%)	(439.89%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":null,"profit":false}]

Free Cash Flow
Free Cash Flow	-	(450.32%)	(131.29%)	(194.20%)	98.95%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-455.08,"profit":false},{"date":"2025-03-31","value":-132.68,"profit":false},{"date":"2025-06-30","value":-196.25,"profit":false},{"date":"2025-09-30","value":100,"profit":true}]

ChoiceOne Financial Services Inc Ratios

ChoiceOne Financial Services Inc Liquidity Ratios

These ratios help you determine the liquidity of the company. Higher is better.

	COFS
Cash Ratio	0.71
Current Ratio	0.71

ChoiceOne Financial Services Inc Asset Efficiency Ratios

These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.

	COFS
ROA (LTM)	0.79%
ROE (LTM)	7.76%

ChoiceOne Financial Services Inc Liability Ratios

These ratios help you understand the company's liabilities, gauging the riskiness of the investment.

	COFS
Debt Ratio Lower is generally better. Negative is bad.	0.89
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier.	0.11

ChoiceOne Financial Services Inc Valuation Ratios

These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.

	COFS
Trailing PE	14.31
Forward PE	7.79
P/S (TTM)	2.94
P/B	0.93
Price/FCF	32
EV/R	4.60
EV/Ebitda	NM
PEG	NM

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FAQs

What is ChoiceOne Financial Services Inc share price today?

ChoiceOne Financial Services Inc (COFS) share price today is $28.77

Can Indians buy ChoiceOne Financial Services Inc shares?

Yes, Indians can buy shares of ChoiceOne Financial Services Inc (COFS) on Vested. To buy

from India, you can open a US Brokerage account on Vested today by clicking on Sign Up or Invest in COFS stock at the top of this page. The account opening process is completely digital and secure, and takes a few minutes to complete.

Can Fractional shares of ChoiceOne Financial Services Inc be purchased?

Yes, you can purchase fractional shares of ChoiceOne Financial Services Inc (COFS) via the Vested app. You can start investing in ChoiceOne Financial Services Inc (COFS) with a minimum investment of $1.

How to invest in ChoiceOne Financial Services Inc shares from India?

You can invest in shares of ChoiceOne Financial Services Inc (COFS) via Vested in three simple steps:

Click on Sign Up or Invest in COFS stock at the top of this page
Breeze through our fully digital and secure KYC process and open your US Brokerage account in a few minutes
Transfer USD funds to your US Brokerage account and start investing in ChoiceOne Financial Services Inc shares

What is ChoiceOne Financial Services Inc 52-week high and low stock price?

The 52-week high price of ChoiceOne Financial Services Inc (COFS) is $35.4. The 52-week low price of ChoiceOne Financial Services Inc (COFS) is $24.2.

What is ChoiceOne Financial Services Inc price-to-earnings (P/E) ratio?

The price-to-earnings (P/E) ratio of ChoiceOne Financial Services Inc (COFS) is 14.3085

What is ChoiceOne Financial Services Inc price-to-book (P/B) ratio?

The price-to-book (P/B) ratio of ChoiceOne Financial Services Inc (COFS) is 0.93

What is ChoiceOne Financial Services Inc dividend yield?

The dividend yield of ChoiceOne Financial Services Inc (COFS) is 3.89%

What is the Market Cap of ChoiceOne Financial Services Inc?

The market capitalization of ChoiceOne Financial Services Inc (COFS) is $431.13M

What is ChoiceOne Financial Services Inc's stock symbol?

The stock symbol (or ticker) of ChoiceOne Financial Services Inc is COFS

How Can Investors Use ChoiceOne Financial Services Inc Share Price Data for Long-Term Investment Decisions?

Consider the share price of ChoiceOne Financial Services Inc as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether ChoiceOne Financial Services Inc has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.

How does USD - INR currency movement impact returns from ChoiceOne Financial Services Inc shares for Indian investors?

When investing in ChoiceOne Financial Services Inc shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the ChoiceOne Financial Services Inc stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.

How should investors compare ChoiceOne Financial Services Inc share price with other stocks in the same sector?

Rather than merely checking the share price of ChoiceOne Financial Services Inc and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that ChoiceOne Financial Services Inc stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.

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