# ChoiceOne Financial Services Inc. (COFS) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Banks. Price $36.25, market value $541 million.

## Valuation
- **P/E (trailing): 9.9×** (5-yr avg 10.0×, 3-yr avg 11.4×). ChoiceOne Financial Services Inc. trades at 9.9× trailing earnings, close to its own five-year average of 10.0×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.5×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 2.2×**. Each dollar of revenue is priced at 2.2×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.4%** (5-yr avg 17.3%). Free cash flow equals 9.4% of the market value, below its five-year average of 17.3%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 10.1%**. The inverse of the P/E: 10.1% of the price is earned each year.

## Profitability
- **Net margin: 12.4%**. 12.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.1%**. 6.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.2%**. Each dollar of assets produces 1.2% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 63.6%** (3-yr 36.7%/yr). Revenue grew 63.6% over the last year.
- **EPS growth (1 yr): -38.2%** (3-yr -13.9%/yr, 5-yr -0.6%/yr). Earnings per share fell 38.2%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -16.4%/yr**. Free cash flow has compounded at -16.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.19%** ($1.16 per share, trailing). ChoiceOne Financial Services Inc. yields 3.19%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 60%** (34% of free cash flow). 60% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 6.6%/yr** (1-yr 3.7%). The dividend has grown 6.6% a year over five years.

## Price and momentum
- **Total return (1 yr): 30.4%** (YTD 25.4%, 3-mo 6.1%). The shares are up 30.4% over twelve months including dividends.
- **From 52-week high: -2.3%** (36.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 75**. An RSI of 75 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 0.44** (volatility 24%). Beta of 0.44 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=COFS · Page: https://foliofundamentals.com/stocks/cofs

Not investment advice.