What is COFS's market cap?

$561.09M, based on the Nov 4 close of $37.61.

What is COFS's P/E ratio?

10.3× trailing-twelve-month earnings of $54.72M.

Does CHOICEONE FINANCIAL pay a dividend?

Yes. The latest regular dividend was $0.29 per share (ex-date Sep 15), an annualised yield of 3.08%.

How much of COFS is sold short?

518.4K shares, 3.7% of float, as of Oct 15, 2026.

What sector is COFS in?

Financials, in the Banking & Credit industry.

NASDAQ · COFSFinancialsBanking & Credit

CHOICEONE FINANCIAL (COFS)

$37.61+3.75%

Close Nov 4, 2026 · split-adjusted

Oct 30, 2026$35.45▲ 22.71% in range

Nov 3, 2025Low $27.03 · High $35.45Oct 30, 2026

What changed · written from our data

As of Nov 4, 2026

CHOICEONE FINANCIAL closed at $37.61 on Nov 4, up 3.75% — matching its 52-week closing high. Volume of 169.2K shares was 1.80× its 20-day average (above normal).

Split-adjusted performance: +13.9% over one month, +20.7% over six months, +30.2% over one year.

In the quarter ended Jun 30, 2026, revenue was $58.88M, down 2.6% from a year earlier, with a net margin of 21.2%.

Short interest was 518.4K shares at the Oct 15 settlement (3.7% of float, 6.0 days to cover).

Market cap$561.1M14.9M shares

Revenue · quarter$58.9M−2.6% YoY

Diluted EPS$0.83−7.8% YoY

P/E · TTM10.3×P/S 2.3×

Net margin21.2%Gross 70.7%

Dividend yield3.08%$0.29 last paid

52-week range27.03 – 37.610.0% from high

Volume169.2K1.80× 20-day avg

Volatility · 60d18.3%Annualised

Short % of float3.7%6.0 days to cover

Net cash$721.9MCash $1.07B

Next earnings—Not scheduled

Split-adjusted performance

1W +9.3%1M +13.9%3M +9.5%6M +20.7%YTD +27.4%1Y +30.2%3Y +97.5%5Y +48.6%

Earnings reactions

History →

No reported quarters with price history yet.

Rank within Banking & Credit

Percentile among 435 companies (100 = best)

6-month momentum84

Revenue growth17

Net margin63

Value (low P/E)82

Size43

Industry medians: 6-month return +7.4%, revenue growth +5.2%, net margin 18.2%, P/E 12.5×.

Short interest

Details →

Shares short518.4K−0.4% vs prior

Days to cover6.0Settled Oct 15

% of float3.7%

Short vol. 10d59.0%of daily volume

Closest peers by size in Banking & Credit

Company	Price	Today	6M	Rev. growth	Net margin	P/E	Mkt cap
COFSCHOICEONE FINANCIAL	$37.61	+3.75%	+20.7%	−2.6%	21.2%	10.3	$561.1M
NPBNorthpointe Bancshares	$16.14	+2.48%	−8.8%	+11.6%	16.5%	6.8	$558.2M	Compare
BSRRSierra Bancorp	$42.85	+2.00%	+16.3%	−2.6%	30.2%	11.0	$555.6M	Compare
BSVNBank7	$59.63	+2.77%	+36.7%	−7.4%	26.1%	13.5	$568.0M	Compare
NRIMNorthrim BanCorp	$24.50	+2.08%	−0.6%	−9.4%	20.6%	9.8	$545.0M	Compare
OPFIOppFi	$6.37	+9.08%	−34.7%	−14.0%	17.2%	—	$542.8M	Compare
OBTOrange County Bancorp	$40.42	+2.28%	+16.5%	−16.3%	40.2%	11.4	$542.1M	Compare
BWBBridgewater Bancshares	$20.74	+2.07%	+12.7%	+4.7%	17.7%	10.4	$581.0M	Compare
UWMCUWM Holdings	$1.69	+6.29%	−51.6%	+17.0%	−9.1%	—	$583.2M	Compare

News about CHOICEONE FINANCIAL

All news →

ChoiceOne Financial Services, Inc. (COFS) Q3 Earnings and Revenues Top EstimatesZacks Investment Research · 5d ago▼ Negative ChoiceOne Financial Announces Cash DividendsBenzinga · May 20, 2026▲ Positive

Quick answers

What does CHOICEONE FINANCIAL do?: ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services.
What is COFS's market cap?: $561.09M, based on the Nov 4 close of $37.61.
What is COFS's P/E ratio?: 10.3× trailing-twelve-month earnings of $54.72M.
Does CHOICEONE FINANCIAL pay a dividend?: Yes. The latest regular dividend was $0.29 per share (ex-date Sep 15), an annualised yield of 3.08%.
How much of COFS is sold short?: 518.4K shares, 3.7% of float, as of Oct 15, 2026.
What sector is COFS in?: Financials, in the Banking & Credit industry.

About CHOICEONE FINANCIAL

ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.

HQ: Sparta, MI598 employeesListed Dec 31, 2001choiceone.com

Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology