ChoiceOne Financial Services (COFS) Projected to Post Quarterly Earnings on Wednesday

ChoiceOne Financial Services (NASDAQ:COFS) will likely be posting 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. Interested persons 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, January 28, 2026 at 12:00 AM ET.

ChoiceOne Financial Services (NASDAQ:COFS) last issued its quarterly 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 company had revenue of $44.74 million for the quarter, compared to the consensus estimate 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 Stock Performance

Shares of ChoiceOne Financial Services stock opened at $28.11 on Wednesday. The business has a 50-day simple moving average of $29.99 and a 200-day simple moving average of $29.61. The company has a debt-to-equity ratio of 0.55, a quick ratio of 0.83 and a current ratio of 0.84. ChoiceOne Financial Services has a one year low of $24.89 and a one year high of $35.40. The company has a market cap of $422.21 million, a PE ratio of 20.52 and a beta of 0.61.

ChoiceOne Financial Services Increases Dividend

The company also recently disclosed a quarterly dividend, which was paid on Wednesday, December 31st. Shareholders of record on Monday, December 15th were given a $0.29 dividend. The ex-dividend date of this dividend was Monday, December 15th. This represents a $1.16 dividend on an annualized basis and a dividend yield of 4.1%. This is a boost from ChoiceOne Financial Services’s previous quarterly dividend of $0.28. ChoiceOne Financial Services’s payout ratio is currently 84.67%.

Insider Activity at ChoiceOne Financial Services

In related news, Director Eric E. Burrough purchased 5,000 shares of the company’s stock in a transaction that occurred on Monday, November 17th. The shares were purchased at an average price of $28.50 per share, for a total transaction of $142,500.00. Following the transaction, the director directly owned 174,833 shares of the company’s stock, valued at approximately $4,982,740.50. The trade was a 2.94% increase in their position. The transaction was disclosed in a legal filing with the SEC, which is accessible through this link. 5.93% of the stock is owned by insiders.

Institutional Inflows and Outflows

Several large investors have recently bought and sold shares of the business. Cubist Systematic Strategies LLC acquired a new position in shares of ChoiceOne Financial Services during the 1st quarter worth $195,000. Empowered Funds LLC grew its holdings in ChoiceOne Financial Services by 8.1% in the first quarter. Empowered Funds LLC now owns 30,701 shares of the company’s stock valued at $883,000 after purchasing an additional 2,312 shares during the last quarter. Jane Street Group LLC purchased a new position in ChoiceOne Financial Services during the 1st quarter valued at about $477,000. JPMorgan Chase & Co. raised its position in shares of ChoiceOne Financial Services by 127.0% during the 2nd quarter. JPMorgan Chase & Co. now owns 54,019 shares of the company’s stock worth $1,550,000 after purchasing an additional 30,220 shares during the last quarter. Finally, Legal & General Group Plc increased its position in ChoiceOne Financial Services by 74.6% during the second quarter. Legal & General Group Plc now owns 1,297 shares of the company’s stock worth $37,000 after buying an additional 554 shares in the last quarter. Hedge funds and other institutional investors own 19.90% of the company’s stock.

Analyst Ratings Changes

COFS has been the subject of several recent analyst reports. Weiss Ratings reaffirmed a “hold (c)” rating on shares of ChoiceOne Financial Services in a research report on Wednesday, October 8th. Hovde Group downgraded ChoiceOne Financial Services from an “outperform” rating to a “market perform” rating in a report on Wednesday, January 7th. Finally, Wall Street Zen upgraded ChoiceOne Financial Services from a “hold” rating to a “buy” rating in a report on Sunday, December 21st. Two investment analysts have rated the stock with a Buy rating and three have assigned a Hold rating to the stock. According to MarketBeat, ChoiceOne Financial Services has an average rating of “Hold” and a consensus price target of $37.00.

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.