ChoiceOne Financial Services, Inc. - Common Stock (COFS)
Financial Services › State Commercial Banks
Price History
Feb 9, 2026 — Mar 26, 2026Investment Snapshot
- Trading 13% below Graham Number — thin margin of safety
- Piotroski F-Score 4/9 — moderate financial health
- ROE of 4.7% — below-average profitability
- Revenue growing at 64% annually
ChoiceOne Financial Services, Inc. - Common Stock (COFS) is a Financial Services company operating in State Commercial Banks, listed on the NASDAQ , with a market capitalisation of $413 million . Key value metrics: P/E ratio 19.1, P/B ratio 0.89, Piotroski F-Score 4 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
ChoiceOne Financial Services, Inc. - Common Stock — Fundamental Analysis Summary
ChoiceOne Financial Services, Inc. - Common Stock (COFS) is trading 13% below its Graham Number of $31.78, offering a thin margin of safety. The stock carries a reasonable trailing P/E ratio of 19.1x.
On financial health, COFS shows a moderate Piotroski F-Score of 4/9, and modest return on equity of 4.7% (sector average: 5.8%), and high leverage with a debt-to-equity ratio of 8.56.
StockPik's composite Value Score for COFS is 75/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
COFS shows revenue growing at 64% year-over-year, with earnings growing at 5%.
COFS pays a solid dividend yield of 4.0%.