COFS Stock — ChoiceOne Financial Services Inc

ChoiceOne Financial Services Inc (COFS)

Updated October 16, 2026.

COFS is a Stock. its distribution rate is 3.50%, its trailing-12-month yield is 3.50%. Dividend Vision Distribution Safety Score™ is 97/100 (Safe). Total return is 720.3% over the past 25.3 years, 150.3 points behind SPY at 870.6%.

ChoiceOne Financial Services is a Michigan-based bank holding company that operates ChoiceOne Bank, offering commercial and consumer lending, deposit services, mortgage banking, trust and wealth management, and insurance products to individual and business customers across its branch network. The stock carries a moderate current distribution rate paid quarterly. This security appeals to income investors seeking dividend exposure to regional banking operations.

COFS performance versus SPY

Price and return data through 2026-10-16.

Total return is 720.3% over the past 25.3 years, 150.3 points behind SPY at 870.6%. Over the past year its total return — price change plus distributions reinvested — is 30.7%. Its deepest 1-year drawdown was 15.3%.

COFS key facts

Distribution Safety Score™

97 · Safe

Safety-Adjusted Yield

3.40%

Asset type

Stock

Asset class

Equity

Inception date

06/21/2001

Distribution rate

3.50%

Distribution frequency

Quarterly

Trailing yield

3.50%

5-year average yield

3.88

Last close

$33.10 (as of 2026-10-16)

Market cap

$495,027,712

Average volume

75435.0

Dividend

$0.29

Ex-dividend date

09/15/2026

Payment date

09/30/2026

Beta

0.636

Payout ratio

31.1%

P/E ratio

9.02

Forward P/E

7.7942

EPS

$3.67

How Dividend Vision calculates yield and returns

Distribution rate (3.50%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (3.50%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

COFS risks and drawbacks

COFS's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 15.3%.

Who may consider COFS — and who may not

COFS may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (COFS pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on COFS

• All tickers starting with C

Tagged: Financials, Dividend.

Frequently asked questions