ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc. - ROEverified

COFS

Price:

$31.87

Market Cap:

$477.25M

ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indi...[Read more]

Industry

Banks - Regional

IPO Date

2001-06-21

Stock Exchange

NASDAQ

Ticker

COFS

The ROE as of June 2026 (TTM) for ChoiceOne Financial Services, Inc. (COFS) is 12.28%

According to ChoiceOne Financial Services, Inc.’s latest financial reports and current stock price. The company's current ROE is 12.28%. This represents a change of 299.59% compared to the average of 3.07% of the last 4 quarters.

ChoiceOne Financial Services, Inc. (COFS) Historical ROE (quarterly & annually)

How has COFS ROE performed in the past?

The mean historical ROE of ChoiceOne Financial Services, Inc. over the last ten years is 8.74%. The current 12.28% ROE has changed 40.55% with respect to the historical average. Over the past ten years (40 quarters), COFS's ROE was at its highest in in the December 2022 quarter at 3.96%. The ROE was at its lowest in in the March 2025 quarter at -3.26%.

Quarterly (TTM)
Annual

Average

8.74%

Median

8.80%

Minimum

3.73%

Maximum

14.00%

ChoiceOne Financial Services, Inc. (COFS) ROE by Quarter and Year

Discovering the peaks and valleys of ChoiceOne Financial Services, Inc. ROE, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 84.07%

Maximum Annual ROE = 14.00%

Minimum Annual Increase = -59.04%

Minimum Annual ROE = 3.73%

Quarterly (TTM)
Annual
YearROEChange
20256.05%-41.01%
202410.26%-5.56%
202310.87%-22.37%
202214.00%40.78%
20219.94%44.74%
20206.87%84.07%
20193.73%-59.04%
20189.11%13.09%
20178.06%-5.14%
20168.49%3.30%

ChoiceOne Financial Services, Inc. (COFS) Average ROE

How has COFS ROE performed in the past?

The current ROE of ChoiceOne Financial Services, Inc. (COFS) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

9.06%

5-year avg

10.23%

10-year avg

8.74%

ChoiceOne Financial Services, Inc. (COFS) ROE vs. Peers

How is COFS’s ROE compared to its peers?

ChoiceOne Financial Services, Inc.’s ROE is less than Peoples Financial Services Corp. (11.50%), less than Red River Bancshares, Inc. (12.46%), less than Peapack-Gladstone Financial Corporation (6.68%), less than Northfield Bancorp, Inc. (0.68%), less than First Business Financial Services, Inc. (14.12%), less than Bridgewater Bancshares, Inc. (10.67%), less than Home Bancorp, Inc. (10.86%), less than ACNB Corporation (12.38%), less than Capital Bancorp, Inc. (13.94%), less than Kearny Financial Corp. (4.75%),

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