Stocktoria
CHOICEONE FINANCIAL SERVICES INC COFS
CHOICEONE FINANCIAL SERVICES INC (COFS) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 3.44% (safety: stretched). FY2025 revenue was $227.6M at a 12.4% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| COFS | CHOICEONE FINANCIAL SERVICES INC | 4/9 | — | 17.5 | +63.6% |
| WASH | WASHINGTON TRUST BANCORP INC | 5/9 | — | 12.8 | +127.6% |
| ACNB | ACNB CORP | 5/9 | — | 16.7 | +45.1% |
| WTFC | WINTRUST FINANCIAL CORP | 4/9 | — | 12.9 | +5.9% |
| COLB | COLUMBIA BANKING SYSTEM, INC. | 3/9 | — | 16.9 | +18.8% |
| FMNB | FARMERS NATIONAL BANC CORP /OH/ | 6/9 | — | 16 | +3.9% |
| CFFI | C & F FINANCIAL CORP | 5/9 | — | 10.5 | +10.6% |
All Finance, Insurance & Real Estate companies →
About CHOICEONE FINANCIAL SERVICES INC
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers 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. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
FAQ
Is COFS financially healthy?
CHOICEONE FINANCIAL SERVICES INC's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does COFS pay a dividend, and is it safe?
Yes. CHOICEONE FINANCIAL SERVICES INC pays a dividend yielding about 3.44% with a 60.2% payout ratio, rated “stretched” for safety.
How profitable is COFS?
In FY2025, CHOICEONE FINANCIAL SERVICES INC had a net margin of 12.4% and a return on equity of 6.1%.
Is COFS overvalued or undervalued?
CHOICEONE FINANCIAL SERVICES INC trades at about 17.1× trailing earnings — above its 10-year norm (10-year range 9.1×–19.4×, median 12.4×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for COFS?
The average Wall-Street price target for CHOICEONE FINANCIAL SERVICES INC is $34.33, about 0.1% below the recent price, from 3 analysts (consensus: buy).
Is COFS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CHOICEONE FINANCIAL SERVICES INC: a Piotroski F-score of 4/9, a P/E of about 17.5×, a dividend yield of 3.44%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.