Compliance updated on Sep 10, 2026 Screened by AAOIFI-Certified Shariah Advisor & Auditor

Financial data updated nightly

ChoiceOne Financial Services Inc

COFS ✗ NOT COMPLIANT ☆ Track — members

NASDAQ · Financials · Banks ·

USA Small Cap Analyst: BUY

Last Close

$33.93

▲ +1.04%

Market Cap $507.44M · Vol 21.33K

Key Metrics

P/E Ratio

9.33

FWD: 9.09

Market Cap

$507.44M

Small Cap

Div Yield

3.45%

Quarterly dividend

EPS Growth

-2.31%

YoY

RSI (14)

59.75

Momentum

Beta

0.62

vs Market

52W High

$35.00

3.06% below

52W Low

$26.15

29.75% above

Volume

21.33K

Avg 29.59K

P/B

0.95

Price-to-book

ROE

14.20%

Return on equity

Free Float

93.44%

Public shares

Shariah Compliance8 STANDARDS

✗ ChoiceOne Financial Services Inc (COFS) stock is currently not Shariah compliant

AAOIFI—
Dow Jones Islamic (DJIM)—
FTSE Shariah—
MSCI Islamic—
S&P Shariah—
Al Rajhi—
Alinma—
Albilad—

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See which standards it fails, the exact ratios behind the verdict, and halal alternatives. AAOIFI-certified methodology trusted by global Islamic funds.

Which standards does COFS pass?

The full report shows the verdict under each of the 8 major Shariah standards, with the business-activity and financial-ratio screens behind every one.

Do I need to purify my investment?

Members see the purification amount per share, updated every financial period under the AAOIFI methodology.

Can I calculate zakat for my shares?

Members get zakat per share and a built-in calculator for their exact holding.

Historical Returns

+0.59%

-0.21%

+4.18%

+21.01%

YTD

+14.94%

+11.69%

+45.75%

+34.86%

Financials & Valuation

TTM · Annual

Total Revenue	N/A
Net Income	$28.18M
Revenue Growth (YoY)	-3.28%
Gross Margin	N/A
Operating Margin	46.65%
Net Profit Margin	19.65%
ROE	14.20%
ROA · ROIC	0.96% · 4.51%

P/E Ratio	9.33
Forward P/E (FY1)	9.09
PEG Ratio	-0.39
P/S	2.88
P/B	0.95
P/FCF	N/A
EPS Growth	-2.31%
Outstanding Shares	14.96M

Technical Indicators

50-Day SMA	$33.74
200-Day SMA	$30.99
RSI (14)	59.75
Beta	0.62
52-Week High	$35.00
52-Week Low	$26.15

Volume Today	21.33K
Avg Daily Volume (30D)	29.59K
Relative Volume	0.72x
Volatility (10D)	15.90
Volatility (30D)	14.14
Free Float	93.44%

Analyst Consensus

BUY

Current Price $33.93

Mean Target $35.39

52W Low$26.15 52W High$35.00

Current

Target

$26.15 $35.00

Current Analyst target

+4.31% upside potential · 3 analysts

Identifiers

ExchangeNASDAQ

FIGIBBG001SDXH04

ISINUS1703861062

CountryUSA

Sub-IndustryCorporate Banks

Earnings DateOct 22, 2026

TypeStocks

Instrument TypeORD Ordinary Share

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Company Profile

ChoiceOne Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank and The State Bank. It operates 56 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair, Macomb, Genesee, Jackson, Livingston, Ingham, Saginaw, Shiawassee, and Bay counties. It offers deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, and demand deposits, safe deposit services, and automated transaction machine services. Commercial lending covers such categories as business, industry, agricultural, construction, inventory, and real estate. It provides services to small businesses and consumers in West, Central and Southeast Michigan a line of products and services delivered through a retail network including digital and branch banking. It offers insurance and investment products through ChoiceOne Insurance Agencies, Inc.