{"symbol":"COFS","name":"ChoiceOne Financial Services, Inc.","sector":"Financial Services","industry":"Banks - Regional","currency":"USD","reportedCurrency":"USD","asOf":{"dataUpdatedAt":"2026-10-06T10:26:21.119Z","note":"lastClose is the verified official regular-session close; latestPrice is a regular-session quote and may be delayed. Fundamentals are trailing-twelve-month unless suffixed otherwise."},"price":{"lastClose":33.05,"lastCloseDate":"2026-10-05","latestPrice":33.155,"priceSource":"fmp-delayed","change":0.10500000000000398,"changePercent":0.3177004538578033,"marketCap":495683828,"high52Week":35.4,"low52Week":26.1,"returnYtdPercent":11.96,"return1YPercent":16.29},"valuation":{"peRatio":9.13,"peRatioForward":8.96,"psRatio":2.71,"pbRatio":1.03,"pfcfRatio":null,"pegRatio":null,"evToEbitda":null,"evToSales":null,"earningsYieldPercent":10.95,"fcfYieldPercent":null},"profitability":{"grossMarginPercent":null,"operatingMarginPercent":19.22,"netMarginPercent":29.96,"roePercent":11.34,"roaPercent":1.23,"roicPercent":null},"financialHealth":{"currentRatio":null,"quickRatio":null,"debtToEquity":0.71,"interestCoverage":null},"dividends":{"yieldPercent":3.51,"payoutRatioPercent":31.96,"dividendPerShare":1.16,"consecutiveYears":5},"growthCagrPercent":{"revenue":{"y3":22.81,"y5":16.92,"y10":20.99},"grossProfit":{"y3":11.65,"y5":8.13,"y10":15.81},"netIncome":{"y3":32.83,"y5":23.29,"y10":26.09},"eps":{"y3":-13.76,"y5":-0.58,"y10":2.49},"freeCashFlow":{"y3":null,"y5":null,"y10":null},"dividends":{"y3":3.81,"y5":6.62,"y10":6.56},"totalReturn":{"y3":26.36,"y5":10.47,"y10":8.94}},"links":{"overview":"https://tgmcharts.com/stocks/COFS","metrics":"https://tgmcharts.com/stocks/COFS/metrics","financials":"https://tgmcharts.com/stocks/COFS/financials","docs":"https://tgmcharts.com/llms.txt"},"applicability":{"freeCashFlow":"free cash flow is unavailable for ChoiceOne Financial Services, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.","enterpriseValue":"EV/EBITDA is unavailable for ChoiceOne Financial Services, Inc.: applicability has not been verified for this financial-services business. The current sector-based policy withholds this model until its treatment of debt, cash and cash flows is confirmed for the company.","earnings":"applicable"},"classification":{"type":"bank","flags":{"adr":false,"foreignFiler":false,"semiannualReporter":false,"fund":false}}}