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COFSCOFSFinancial Services · Banks - Regional

COFS Stock Forecast: ChoiceOne Financial Services, Inc. Price Predictions for 2026-2027

Last close, 8 Oct 2026
$33
−0.21% on the day

The 3 Wall Street analysts covering ChoiceOne Financial Services, Inc. hold a median 12-month price target of $38 — +15.1% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 79 of 100 as at 8 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.

Market cap
$495.2M
Ticker Nerd rank
79 / 100
Median analyst target
$38
Analysts covering
3
Revenue$41.6M−2.8% y/y
Net income$12.5M
Free cash flow$27.1M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+0.5%
1M
−1.5%
YTD
+15.0%
1Y
+21.9%
From 52W high
−3.8%
From 52W low
+30.3%
$25
$34
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

COFS stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores ChoiceOne Financial Services, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 8 Oct 2026
79 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Growth
98
Value
82
Revisions
76
Momentum
71
Quality
70
Size
53
Accruals
36
Issuance
34
Volatility
20

Growth (98): Sales and profits are climbing, and climbing faster than before.

Volatility (20): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

COFS stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on COFS, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$26$28$30$32$34$36$38Jan 26Apr 26Jul 26Oct 26COFSHigh $38Median $38Low $35

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
2 Buy1 Hold0 Sell
Low $35Median $38High $38

The green dot is the last close — the median target sits +15.1% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
28 July 2026DA DavidsonMaintainsBuy$36 → $38
27 Apr 2026DA DavidsonMaintainsBuy$32 → $34
27 Apr 2026DA DavidsonMaintainsBuy—
3 Feb 2026DA DavidsonMaintainsBuy—
7 Jan 2026Hovde GroupDowngradeMarket Perform—
3 Mar 2025Janney Montgomery ScottUpgradeBuy—
27 Jan 2025DA DavidsonMaintainsBuy—
18 Oct 2024DA DavidsonInitiatesBuy—
27 Sept 2023Janney Montgomery ScottInitiatesNeutral—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. COFS appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

COFS vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 8 Oct 2026, ChoiceOne Financial Services, Inc. returned +21.9% against +16.2% for the S&P 500, dividends included.

COFS vs S&P 500, last 12 monthsTotal return, rebased to 100
95100105110115120125130Jan 26Apr 26Jul 26Oct 26COFSS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

COFS analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
+1.8%
Analysts raising
2
Analysts cutting
1
Fundamentals

ChoiceOne Financial Services, Inc. (COFS) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
9.0×

Cheaper than 60% of US stocks

Price / sales
2.9×

Cheaper than 41% of US stocks

Price / book
1.0×

Cheaper than 71% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
−2.6%

Higher than 23% of US stocks

Earnings growth (YoY)
−7.9%

Higher than 28% of US stocks

Gross margin
—
Operating margin
41.8%

Higher than 93% of US stocks

Net margin
32.2%

Higher than 91% of US stocks

Returns & dividend
Return on equity
12.0%

Higher than 68% of US stocks

Return on assets
1.2%

Higher than 52% of US stocks

Dividend yield
3.5%

Higher than 88% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

ChoiceOne Financial Services, Inc. (COFS) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • ChoiceOne Financial Services, Inc. has a market value of $495.2M and an enterprise value of $749.3M.

  • Revenue in the twelve months to 30 June 2026: $171.8M. The latest quarter shrank 2.6% year on year.

  • Net income over the same four quarters: $54.7M, a 31.9% net margin.

  • Diluted earnings per share, trailing twelve months: $3.63.

  • Free cash flow in the twelve months to 30 June 2026: $51.0M.

  • ChoiceOne Financial Services, Inc. spent $17.2M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 15.0M.

  • Trailing P/E: 9.0×; forward P/E: 8.9× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 3.50%, paying out 31% of earnings.

  • ChoiceOne Financial Services, Inc. employs 577 people — $298K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 6 Oct 2026

Data provided by Twelve Data

Peers

COFS vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
COFSChoiceOne Financial Services, Inc.$495.2M
79
OBTOrange County Bancorp, Inc.$499.4M
85
PBAMPrivate Bancorp of America, Inc.$489.5M
84
WTBAWest Bancorporation, Inc.$487.6M
80
FMAOFarmers & Merchants Bancorp, Inc. (Ohio)$486.3M
88
PDLBPonce Financial Group, Inc.$484.6M
38
BSRRSierra Bancorp$514.9M
77

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own ChoiceOne Financial Services, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest COFS news & analysis

ChoiceOne Bank Announces Official Opening of ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in Fenton

PRNewsWire · 30 Sept 2026positive

ChoiceOne Financial Services, Inc. and ChoiceOne Bank announced the official opening of the ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in Fenton, following a ribbon-cutting ceremony held Tuesday, Sept. 30.

Why it matters — A COFS watcher would care because the opening of this named community trail reflects ChoiceOne's local engagement and brand visibility in the Fenton area.

ChoiceOne Bank Receives Habitat for Humanity of Kent County Opportunity Award

PRNewsWire · 11 Sept 2026positive

ChoiceOne Financial Services, Inc. and ChoiceOne Bank (NASDAQ: COFS) announced they received the 2026 Habitat for Humanity of Kent County Opportunity Award, which recognizes ChoiceOne as a long-term community supporter with deep local roots and a vision for building stronger communities.

Why it matters — The award highlights ChoiceOne's strong community engagement and positive local reputation, reinforcing the company's standing as an institution invested in the regions it serves.

ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings Surpass Estimates

Zacks Investment Research · 24 July 2026positive

ChoiceOne Financial Services, Inc. (COFS) reported Q2 earnings of $0.93 per share, surpassing the Zacks Consensus Estimate of $0.88 per share and up from $0.91 per share in the same quarter last year.

Why it matters — The earnings beat and year-over-year growth signal stronger-than-expected quarterly performance for COFS.

ChoiceOne Reports Second Quarter 2026 Results

PRNewsWire · 24 July 2026neutral

ChoiceOne Financial Services, Inc. reported its financial results for the second quarter ended June 30, 2026.

Why it matters — COFS shareholders and analysts would want to review quarterly financial performance to assess the company's recent earnings and operational trends.

FAQ

Frequently asked questions about COFS stock

What is the COFS stock price forecast for 2026-2027?

The 3 Wall Street analysts covering ChoiceOne Financial Services, Inc. have a median 12-month price target of $38, with estimates ranging from $35 to $38. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is COFS stock a buy right now?

Of the 3 analysts covering ChoiceOne Financial Services, Inc., 2 rate it a Buy, 1 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks ChoiceOne Financial Services, Inc. 79 out of 100 across roughly 4,600 US stocks as at 8 Oct 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank COFS?

As at 8 Oct 2026, ChoiceOne Financial Services, Inc. ranks 79 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Growth (98 of 100).

Will COFS stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +15.1% from the last close, and Ticker Nerd's factor model ranks ChoiceOne Financial Services, Inc. 79 out of 100 as at 8 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the COFS stock forecast for 2030?

No analyst covering ChoiceOne Financial Services, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for COFS are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $35 to $38 over the next 12 months.

How has COFS stock performed over the past year?

ChoiceOne Financial Services, Inc. returned +21.9% over the 12 months to 8 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does ChoiceOne Financial Services, Inc. do?

ChoiceOne Financial Services, Inc. is a financial holding company that serves as the parent of ChoiceOne Bank, offering a broad range of banking and financial services for individuals and businesses.

What is the latest news on COFS?

The most recent item we track (PRNewsWire, 30 Sept 2026): "ChoiceOne Bank Announces Official Opening of ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in Fenton". ChoiceOne Financial Services, Inc. and ChoiceOne Bank announced the official opening of the ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in Fenton, following a ribbon-cutting ceremony held Tuesday, Sept. 30.

Company

About ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. is a financial holding company that serves as the parent of ChoiceOne Bank, offering a broad range of banking and financial services for individuals and businesses. The company provides deposit products, lending solutions, mortgage banking, insurance, trust, and wealth management services, along with treasury and payment-related offerings. Through its branch and ATM network, ChoiceOne Financial Services supports retail banking, commercial banking, agricultural lending, and consumer finance needs across its Michigan footprint. The company also distributes investment and insurance products through its affiliated subsidiaries, making it a diversified community-focused financial services provider with a strong regional presence. Headquartered in Sparta, Michigan, ChoiceOne Financial Services concentrates on relationship-based banking and integrated financial solutions for local customers and businesses.

CEO Mr. Kelly J. Potes CFP · 577 employees · United States · https://www.choiceone.bank