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How to buy ChoiceOne Financial Services (COFS) stocks in Canada

Learn how to easily invest in ChoiceOne Financial Services stocks.

ChoiceOne Financial Services is a banks-regional business based in the US. ChoiceOne Financial Services stocks (COFS.US) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $24.1 – a decrease of 0.76% over the previous week. ChoiceOne Financial Services employs 305 staff and has a trailing 12-month revenue of around $78.2 million.

How to buy shares in ChoiceOne Financial Services

  1. Compare share trading platforms. Use our comparison table to help you find a platform that fits you.
  2. Open your brokerage account. Complete an application with your details.
  3. Confirm your payment details. Fund your account.
  4. Research the stock. Find the stock by name or ticker symbol – COFS – and research it before deciding if it's a good investment for you.
  5. Purchase now or later. Buy your desired number of shares with a market order or use a limit order to delay your purchase until the stock reaches a desired price.
  6. Check in on your investment. Optimize your portfolio by tracking your stock.

ChoiceOne Financial Services stock price (NASDAQ:COFS)

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

ChoiceOne Financial Services shares at a glance

Information last updated 2022-01-25.
Latest market close$26.02
52-week range$22.12 - $29.14
50-day moving average $25.86
200-day moving average $25.04
Wall St. target priceN/A
PE ratio 9.621
Dividend yield $0.91 (3.88%)
Earnings per share (TTM) $2.72

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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.

ChoiceOne Financial Services price performance over time

Historical closes compared with the close of $26.02 from 2022-01-26

1 week (2022-01-20) -0.76%
1 month (2021-12-28) 1.28%
3 months (2021-10-28) 3.58%
6 months (2021-07-28) 8.46%
1 year (2021-01-28) -3.27%
2 years (2020-01-27) -16.20%
3 years (2019-01-24) 5.56%
5 years (2017-01-24) N/A

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 10x. In other words, ChoiceOne Financial Services shares trade at around 10x 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 $78.2 million
Operating margin TTM 35%
Gross profit TTM $69.8 million
Return on assets TTM 1.03%
Return on equity TTM 9.43%
Profit margin 27.02%
Book value $29.65
Market capitalisation $198.1 million

TTM: trailing 12 months

ChoiceOne Financial Services share dividends


Dividend payout ratio: 31.84% of net profits

Recently ChoiceOne Financial Services has paid out, on average, around 31.84% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.88% 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 3.88% return on their shares, in the form of dividend payments. In ChoiceOne Financial Services's case, that would currently equate to about $0.91 per share.

While ChoiceOne Financial Services's payout ratio might seem fairly standard, it's worth remembering that ChoiceOne Financial Services may be investing much of the rest of its net profits in future growth.

ChoiceOne Financial Services's most recent dividend payout was on 30 December 2021. The latest dividend was paid out to all shareholders who bought their shares by 13 December 2021 (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 8 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 $22.1155 up to $29.1408. A popular way to gauge a stock's volatility is its "beta".

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 0.4805. 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 that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, 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 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, and St. Clair counties, Michigan.

Frequently asked questions

Disclaimer: This information should not be interpreted as an endorsement of futures, stocks, ETFs, options or any specific provider, service or offering. It should not be relied upon as investment advice or construed as providing recommendations of any kind. Futures, stocks, ETFs and options trading involves substantial risk of loss and therefore are not appropriate for all investors. Trading forex on leverage comes with a higher risk of losing money rapidly. Past performance is not an indication of future results. Consider your own circumstances, and obtain your own advice, before making any trades.

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