COFSFinancial Services · Banks - RegionalThe 3 Wall Street analysts covering ChoiceOne Financial Services, Inc. hold a median 12-month price target of $38 — +7.2% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 78 of 100 as at 31 Oct 2026 — inside the top quartile. Here, the model and the Street point the same way.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Growth (91): Sales and profits are climbing, and climbing faster than before.
Volatility (25): The share price moves around a lot.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on COFS, reported as data — targets and ratings, the market's view beside the model's.
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
The green dot is the last close — the median target sits +7.2% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 28 July 2026 | DA Davidson | Maintains | Buy | $36 → $38 |
| 27 Apr 2026 | DA Davidson | Maintains | Buy | $32 → $34 |
| 27 Apr 2026 | DA Davidson | Maintains | Buy | — |
| 3 Feb 2026 | DA Davidson | Maintains | Buy | — |
| 7 Jan 2026 | Hovde Group | Downgrade | Market Perform | — |
| 3 Mar 2025 | Janney Montgomery Scott | Upgrade | Buy | — |
| 27 Jan 2025 | DA Davidson | Maintains | Buy | — |
| 18 Oct 2024 | DA Davidson | Initiates | Buy | — |
| 27 Sept 2023 | Janney Montgomery Scott | Initiates | Neutral | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
COFS appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 30 Oct 2026, ChoiceOne Financial Services, Inc. returned +27.6% against +12.4% for the S&P 500, dividends included.
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Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 59% of US stocks
Cheaper than 38% of US stocks
Cheaper than 67% of US stocks
Higher than 23% of US stocks
Higher than 28% of US stocks
Higher than 93% of US stocks
Higher than 91% of US stocks
Higher than 68% of US stocks
Higher than 52% of US stocks
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.
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 $530.2M and an enterprise value of $717.5M.
Revenue in the twelve months to 30 June 2026: $171.8M. The latest quarter shrank 0.6% 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.
Trailing P/E: 9.7×; forward P/E: 9.4× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 3.27%, paying out 31% of earnings.
ChoiceOne Financial Services, Inc. employs 571 people — $301K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
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 →
ChoiceOne Financial Services reported quarterly earnings of $1.05 per share, above the Zacks Consensus Estimate of $0.93. Earnings were $0.97 per share in the year-ago quarter.
Why it matters — COFS watchers may note the company’s earnings per share exceeded estimates and were higher than a year earlier.
ChoiceOne Financial Services, parent company of ChoiceOne Bank, reported financial results for the quarter ended September 30, 2026.
Why it matters — COFS watchers may note the company has released its third-quarter 2026 results.
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 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 (COFS) has been upgraded to a Zacks Rank #2 (Buy) due to growing optimism about its earnings prospects.
Why it matters — The upgrade signals a positive shift in earnings outlook that could influence the stock's near-term performance.
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.
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. 78 out of 100 across roughly 4,600 US stocks as at 31 Oct 2026. None of this is personal advice — it does not consider your circumstances.
As at 31 Oct 2026, ChoiceOne Financial Services, Inc. ranks 78 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 (91 of 100).
No one can know that. What the data says: the median 12-month target from 3 analysts implies +7.2% from the last close, and Ticker Nerd's factor model ranks ChoiceOne Financial Services, Inc. 78 out of 100 as at 31 Oct 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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.
ChoiceOne Financial Services, Inc. returned +27.6% over the 12 months to 30 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.
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 most recent item we track (Zacks Investment Research, 30 Oct 2026): "ChoiceOne Financial Services, Inc. (COFS) Q3 Earnings and Revenues Top Estimates". ChoiceOne Financial Services reported quarterly earnings of $1.05 per share, above the Zacks Consensus Estimate of $0.93. Earnings were $0.97 per share in the year-ago quarter.
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 · 571 employees · United States · https://www.choiceone.bank
