What is ChoiceOne Financial's market cap?

ChoiceOne Financial (COFS) has a market capitalization of $511.9M and trades on NASDAQ.

What is ChoiceOne Financial's revenue and profitability?

ChoiceOne Financial generated $171.8M in trailing twelve-month revenue with net income of $54.7M, representing a net margin of 31.9%. These figures are based on the Q2 2026 filing.

Who are ChoiceOne Financial's competitors?

ChoiceOne Financial's key competitors include JPMorgan Chase & Co., Huntington Bancshares, Ally Financial, and others. These companies compete in similar markets and product categories.

Who does ChoiceOne Financial partner with?

ChoiceOne Financial's notable partners include Federal Home Loan Bank.

What subsidiaries does ChoiceOne Financial have?

ChoiceOne Financial's subsidiaries include ChoiceOne Bank, ChoiceOne Insurance Agencies, Inc., 109 Technologies, LLC, and others.

Where is ChoiceOne Financial headquartered?

ChoiceOne Financial is headquartered in United States of America and employs approximately 402 people. It has been publicly traded since 2001.

ChoiceOne Financial

COFS

Market cap

$511.9M+15.3%

Revenue$171.8M+39.1%

Net income$54.7M+287%

EPS (diluted)$3.67+194%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q2 2026 report

July 24, 2026

Revenue$41.6MMiss by $1.8M EPS$0.83Miss by $0.05

Read the full report

Next report

Oct 23, 2026 (in 3 months)

Revenue estimate$44.5M

EPS estimate$0.92

Financials

Q2 2026

Income statement

See full

Revenue$41.6M-2.8%

Net income$12.5M-7.9%

EPS (diluted)$0.83-7.8%

Balance sheet

See full

Cash & equivalents$88.6M-43.3%

Total equity$482.7M+11.8%

Total assets$4.5B+3.4%

Valuation & ratios

Valuation

See full

Market cap$511.9M+15.3%

P/E9.4×-22.4×

P/S3×-0.7×

Profitability

See full

Net margin31.9%+20.4pp

Returns & leverage

See full

Return on equity12%+7.6pp

Competitors

By market cap

JPMorgan Chase$949.80B+16.3%

Huntington Bancshares$35.0B+42.4%

Ally Financial$13.4B+13.2%

Provident Financial Services$3.1B+27.1%

STB

S&T Bancorp$1.9B+33.0%

Capital City Bank Group$903.6M+31.8%

Financial Institutions$830.0M+59.1%

ChoiceOne Financial$511.9M+14.0%

By revenue growth

ChoiceOne Financial+39.1%

Huntington Bancshares+26.4%

JPMorgan Chase+13.5%

Provident Financial Services+12.4%

Financial Institutions+9.8%

STB

S&T Bancorp+7.6%

Capital City Bank Group+5.2%

By net margin

Provident Financial Services34.57%+15.9pp

STB

S&T Bancorp33.11%-1.9pp

JPMorgan Chase32.63%+0.4pp

Financial Institutions32.41%+47.4pp

ChoiceOne Financial31.85%+20.4pp

Huntington Bancshares24.68%-2.8pp

Capital City Bank Group24.04%+0.2pp

Ally Financial16.47%—

Profile

ChoiceOne Financial is a regional financial holding company that operates ChoiceOne Bank, providing comprehensive banking and wealth management services across western, central, and southeastern Michigan. The company focuses on community-based financial solutions, including commercial and consumer lending, deposit services, and insurance products. Its core value proposition centers on local market expertise and a diversified revenue stream derived from interest income, fees, and specialized financial advisory.

Competitive position

A significant regional player in the Michigan market, competing through a network of full-service offices and specialized loan production centers.

GeographiesUnited States, Michigan

Customer segmentsSmall and Medium Enterprises, Retail Consumers, Agricultural Businesses

Business modelInterest-based Lending, Fee-for-service, IP Licensing

SuppliersFederal Reserve System, Federal Home Loan Bank, Depositors, Technology Infrastructure Providers

CustomersSmall Business Owners, Homeowners, Agricultural Operators, Third-party Financial Institutions

CountryUnited States of America

Listed2001

Employees402.0

CEOKelly J. Potes

SectorFinancial Services

IndustryBanks - Regional

Websitechoiceone.com

FilingsSEC EDGAR

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Questions, answered.

What is ChoiceOne Financial's market cap?: ChoiceOne Financial (COFS) has a market capitalization of $511.9M and trades on NASDAQ.
What is ChoiceOne Financial's revenue and profitability?: ChoiceOne Financial generated $171.8M in trailing twelve-month revenue with net income of $54.7M, representing a net margin of 31.9%. These figures are based on the Q2 2026 filing.
Who are ChoiceOne Financial's competitors?: ChoiceOne Financial's key competitors include JPMorgan Chase & Co., Huntington Bancshares, Ally Financial, and others. These companies compete in similar markets and product categories.
Who does ChoiceOne Financial partner with?: ChoiceOne Financial's notable partners include Federal Home Loan Bank.
What subsidiaries does ChoiceOne Financial have?: ChoiceOne Financial's subsidiaries include ChoiceOne Bank, ChoiceOne Insurance Agencies, Inc., 109 Technologies, LLC, and others.
Where is ChoiceOne Financial headquartered?: ChoiceOne Financial is headquartered in United States of America and employs approximately 402 people. It has been publicly traded since 2001.