Choiceone Financial Services Inc
Research Choiceone Financial Services Inc (COFS) on Bullrun: valuation model: 19.1% undervalued, market cap USD 496.95M, P/E 9.1, dividend yield 3.5%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCOFS
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal19.1% undervalued
- Market capUSD 496.95M
- P/E9.1
- Dividend yield3.5%
- Financial periodQ1 2026
- RevenueUSD 42.46M
- Net incomeUSD 13.70M
- Free cash flow-USD 1.70M
Valuation Snapshot
Bullrun's latest valuation model marks Choiceone Financial Services Inc as 19.1% undervalued; latest market cap is USD 496.95M; P/E is 9.1; dividend yield is 3.5%.
Peer valuation comparison
Latest P/E is 9.14x versus a Financial Services sector median of 13.84x (33.9% below).
Latest dividend yield is 3.46% versus a Financial Services sector median of 3.86% (10.2% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 227.62M | USD 28.18M | USD 25.19M | n/a | 2.01 | USD 87.99M | USD 313.46M | USD 465.35M |
| FY2024 | USD 139.10M | USD 26.73M | USD 45.38M | n/a | 3.25 | USD 96.75M | USD 210.75M | USD 260.42M |
| FY2023 | USD 113.89M | USD 21.26M | USD 42.10M | n/a | 2.82 | USD 55.43M | USD 235.51M | USD 195.63M |
| FY2022 | USD 89.13M | USD 23.64M | USD 43.16M | n/a | 3.15 | USD 43.94M | USD 35.20M | USD 160.83M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 496.95M | 9.1 | 3.5% | 1.15 |
| 2025 | 2025-12-31 | USD 442.83M | 19.7 | 3.8% | 1.13 |
| 2024 | 2024-12-31 | USD 319.53M | 11.0 | 3.1% | 1.09 |
| 2023 | 2023-12-29 | USD 221.07M | 9.7 | 3.6% | 1.05 |
| 2022 | 2022-12-30 | USD 217.91M | 9.9 | 3.5% | 1.01 |
| 2021 | 2021-12-31 | USD 198.95M | 9.3 | 3.5% | 0.94 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.15 USD, yield 3.5%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.13 USD |
| FY2024 | 1.09 USD |
| FY2023 | 1.05 USD |
| FY2022 | 1.01 USD |
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;
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Frequently asked questions
Is Choiceone Financial Services Inc overvalued or undervalued?
Bullrun's valuation model currently marks Choiceone Financial Services Inc as 19.1% undervalued.
What is Choiceone Financial Services Inc's market cap?
Choiceone Financial Services Inc's market capitalization is USD 496.95M.
What is Choiceone Financial Services Inc's P/E ratio?
Choiceone Financial Services Inc's price-to-earnings (P/E) ratio is 9.1.
Does Choiceone Financial Services Inc pay a dividend?
Choiceone Financial Services Inc has a dividend yield of 3.5%.
What does Choiceone Financial Services Inc do?
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.