ChoiceOne Financial Services (COFS) to Release Quarterly Earnings on Wednesday

ChoiceOne Financial Services (NASDAQ:COFS) is expected to announce its Q4 2025 results before the market opens on Wednesday, January 28th. Analysts expect the company to announce earnings of $0.91 per share and revenue of $43.80 million for the quarter. Individuals can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Wednesday, February 4, 2026 at 12:00 AM ET.

ChoiceOne Financial Services (NASDAQ:COFS) last issued its earnings results on Friday, October 24th. The company reported $0.97 earnings per share for the quarter, topping the consensus estimate of $0.86 by $0.11. ChoiceOne Financial Services had a return on equity of 11.52% and a net margin of 10.57%.The business had revenue of $44.74 million for the quarter, compared to analyst estimates of $42.15 million. On average, analysts expect ChoiceOne Financial Services to post $4 EPS for the current fiscal year and $4 EPS for the next fiscal year.

ChoiceOne Financial Services Price Performance

COFS stock opened at $28.94 on Tuesday. The company has a market cap of $434.68 million, a PE ratio of 21.12 and a beta of 0.61. The company has a current ratio of 0.84, a quick ratio of 0.83 and a debt-to-equity ratio of 0.55. The stock has a 50-day moving average price of $29.97 and a two-hundred day moving average price of $29.58. ChoiceOne Financial Services has a 12-month low of $24.89 and a 12-month high of $35.40.

ChoiceOne Financial Services Increases Dividend

The company also recently disclosed a quarterly dividend, which was paid on Wednesday, December 31st. Stockholders of record on Monday, December 15th were paid a $0.29 dividend. The ex-dividend date of this dividend was Monday, December 15th. This represents a $1.16 annualized dividend and a dividend yield of 4.0%. This is an increase from ChoiceOne Financial Services’s previous quarterly dividend of $0.28. ChoiceOne Financial Services’s dividend payout ratio is presently 84.67%.

Insider Transactions at ChoiceOne Financial Services

In other news, Director Eric E. Burrough acquired 5,000 shares of the company’s stock in a transaction dated Monday, November 17th. The shares were bought at an average price of $28.50 per share, for a total transaction of $142,500.00. Following the completion of the purchase, the director directly owned 174,833 shares of the company’s stock, valued at approximately $4,982,740.50. This trade represents a 2.94% increase in their position. The transaction was disclosed in a legal filing with the SEC, which can be accessed through the SEC website. 5.93% of the stock is owned by company insiders.

Institutional Investors Weigh In On ChoiceOne Financial Services

A number of large investors have recently added to or reduced their stakes in COFS. Vanguard Group Inc. lifted its holdings in ChoiceOne Financial Services by 1.0% in the 3rd quarter. Vanguard Group Inc. now owns 806,507 shares of the company’s stock worth $23,356,000 after buying an additional 8,209 shares in the last quarter. The Manufacturers Life Insurance Company increased its position in shares of ChoiceOne Financial Services by 1.1% during the second quarter. The Manufacturers Life Insurance Company now owns 226,161 shares of the company’s stock worth $6,491,000 after acquiring an additional 2,509 shares during the last quarter. Dimensional Fund Advisors LP lifted its stake in shares of ChoiceOne Financial Services by 32.9% in the third quarter. Dimensional Fund Advisors LP now owns 126,685 shares of the company’s stock worth $3,669,000 after acquiring an additional 31,364 shares in the last quarter. Two Sigma Investments LP boosted its holdings in ChoiceOne Financial Services by 204.2% in the third quarter. Two Sigma Investments LP now owns 97,963 shares of the company’s stock valued at $2,837,000 after purchasing an additional 65,764 shares during the last quarter. Finally, Squarepoint Ops LLC boosted its holdings in ChoiceOne Financial Services by 95.0% in the third quarter. Squarepoint Ops LLC now owns 66,898 shares of the company’s stock valued at $1,937,000 after purchasing an additional 32,597 shares during the last quarter. 19.90% of the stock is owned by institutional investors and hedge funds.

Analyst Upgrades and Downgrades

A number of analysts have recently issued reports on COFS shares. Wall Street Zen upgraded ChoiceOne Financial Services from a “hold” rating to a “buy” rating in a report on Sunday, December 21st. Weiss Ratings reaffirmed a “hold (c)” rating on shares of ChoiceOne Financial Services in a research report on Wednesday, January 21st. Finally, Hovde Group lowered shares of ChoiceOne Financial Services from an “outperform” rating to a “market perform” rating in a research report on Wednesday, January 7th. One investment analyst has rated the stock with a Buy rating and three have given a Hold rating to the stock. According to data from MarketBeat.com, the company presently has a consensus rating of “Hold” and an average price target of $35.00.

About ChoiceOne Financial Services

ChoiceOne Financial Services, Inc is a bank holding company headquartered in Jackson, Michigan. Through its subsidiary, ChoiceOne Bank, it provides a full suite of banking and financial services to individuals, families, and businesses. The company’s primary operations are concentrated in community banking, spanning retail deposits, commercial and consumer lending, mortgage origination, and treasury management solutions.

ChoiceOne Bank offers checking and savings accounts, certificates of deposit, and online and mobile banking platforms designed to meet the needs of its customers.