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How to buy ChoiceOne Financial Services stock

Own ChoiceOne Financial Services stock in just a few minutes.

Fact checked

ChoiceOne Financial Services, Inc is a banks-regional business based in the US. ChoiceOne Financial Services shares (COFS) are listed on the NASDAQ and all prices are listed in US Dollars.

How to buy shares in ChoiceOne Financial Services

  1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
  2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
  3. Search for ChoiceOne Financial Services. Find the stock by name or ticker symbol: COFS. Research its history to confirm it's a solid investment against your financial goals.
  4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until ChoiceOne Financial Services reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
  5. Decide on how many to buy. Weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of ChoiceOne Financial Services, depending on your broker.
  6. Check in on your investment. Congratulations, you own a part of ChoiceOne Financial Services. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

ChoiceOne Financial Services share price

Use our graph to track the performance of COFS stocks over time.

ChoiceOne Financial Services shares at a glance

Information last updated 2021-02-23.
52-week rangeUSD$16.512 - USD$32.7762
50-day moving average USD$27.8168
200-day moving average USD$28.653
Wall St. target priceN/A
PE ratio 12.4106
Dividend yield USD$0.82 (3.18%)
Earnings per share (TTM) USD$2.07

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The value of any investment can go up or down depending on news, trends and market conditions. We are not investment advisers, so do your own due diligence to understand the risks before you invest.

Is it a good time to buy ChoiceOne Financial Services stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

Is ChoiceOne Financial Services under- or over-valued?

Valuing ChoiceOne Financial Services stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of ChoiceOne Financial Services's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

ChoiceOne Financial Services's P/E ratio

ChoiceOne Financial Services's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, ChoiceOne Financial Services shares trade at around 12x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

ChoiceOne Financial Services financials

Revenue TTM USD$69.8 million
Operating margin TTM 29.22%
Gross profit TTM USD$69.8 million
Return on assets TTM 0.95%
Return on equity TTM 7.45%
Profit margin 22.38%
Book value $29.382
Market capitalisation USD$200.3 million

TTM: trailing 12 months

Shorting ChoiceOne Financial Services shares

There are currently 61,156 ChoiceOne Financial Services shares held short by investors – that's known as ChoiceOne Financial Services's "short interest". This figure is 1.7% down from 62,245 last month.

There are a few different ways that this level of interest in shorting ChoiceOne Financial Services shares can be evaluated.

ChoiceOne Financial Services's "short interest ratio" (SIR)

ChoiceOne Financial Services's "short interest ratio" (SIR) is the quantity of ChoiceOne Financial Services shares currently shorted divided by the average quantity of ChoiceOne Financial Services shares traded daily (recently around 9141.4050822123). ChoiceOne Financial Services's SIR currently stands at 6.69. In other words for every 100,000 ChoiceOne Financial Services shares traded daily on the market, roughly 6690 shares are currently held short.

However ChoiceOne Financial Services's short interest can also be evaluated against the total number of ChoiceOne Financial Services shares, or, against the total number of tradable ChoiceOne Financial Services shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case ChoiceOne Financial Services's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 ChoiceOne Financial Services shares in existence, roughly 10 shares are currently held short) or 0.0084% of the tradable shares (for every 100,000 tradable ChoiceOne Financial Services shares, roughly 8 shares are currently held short).

A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against ChoiceOne Financial Services.

Find out more about how you can short ChoiceOne Financial Services stock.

ChoiceOne Financial Services share dividends


Dividend payout ratio: 50.62% of net profits

Recently ChoiceOne Financial Services has paid out, on average, around 50.62% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.42% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), ChoiceOne Financial Services shareholders could enjoy a 3.42% return on their shares, in the form of dividend payments. In ChoiceOne Financial Services's case, that would currently equate to about $0.82 per share.

ChoiceOne Financial Services's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.

ChoiceOne Financial Services's most recent dividend payout was on 31 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 14 December 2020 (the "ex-dividend date").

Have ChoiceOne Financial Services's shares ever split?

ChoiceOne Financial Services's shares were split on a 105:100 basis on 9 May 2018. So if you had owned 100 shares the day before before the split, the next day you'd have owned 105 shares. This wouldn't directly have changed the overall worth of your ChoiceOne Financial Services shares – just the quantity. However, indirectly, the new 4.8% lower share price could have impacted the market appetite for ChoiceOne Financial Services shares which in turn could have impacted ChoiceOne Financial Services's share price.

ChoiceOne Financial Services share price volatility

Over the last 12 months, ChoiceOne Financial Services's shares have ranged in value from as little as $16.512 up to $32.7762. A popular way to gauge a stock's volatility is its "beta".

COFS.US volatility(beta: 0.54)Avg. volatility(beta: 1.00)LowHigh

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while ChoiceOne Financial Services's is 0.5443. This would suggest that ChoiceOne Financial Services's shares are less volatile than average (for this exchange).

ChoiceOne Financial Services overview

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank and Lakestone Bank & Trust that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, checking, and demand deposits, as well as certificates of deposit. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 33 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, and St. Clair counties, Michigan. The company was founded in 1898 and is headquartered in Sparta, Michigan.

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