ChoiceOne Financial Services, Inc.
COFS
Rank in Stocks
#11508
ChoiceOne Financial Services, Inc. functions as the holding company for... ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
Share Price
$37.29
Last synced: 2026-11-09
Market Cap
$556.32M
Change (1 day)
1.64%
Change (1 year)
27.31%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
Trade ChoiceOne Financial Services, Inc. (COFS)
Category
Financial Services
Operating Margin for ChoiceOne Financial Services, Inc. (COFS)
Operating Margin as of November 2026 TTM: 18.84%
According to ChoiceOne Financial Services, Inc.'s latest financial reports, its current operating margin (TTM) is 18.84%. At the end of 2025 the company had an operating margin of 17.72%.
Operating Margin history for ChoiceOne Financial Services, Inc. from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 18.84% | 6.32% |
| 2025 | 17.72% | -25.51% |
| 2024 | 23.79% | 5.97% |
| 2023 | 22.45% | -27.65% |
| 2022 | 31.03% | -1.87% |
| 2021 | 31.62% | 31.31% |
| 2020 | 24.08% | 18.45% |
| 2019 | 20.33% | -24.68% |
| 2018 | 26.99% | -8.69% |
| 2017 | 29.56% | 0.99% |
| 2016 | 29.27% | 2.99% |
| 2015 | 28.42% | -5.58% |
| 2014 | 30.10% | 10.58% |
| 2013 | 27.22% | 31.62% |
| 2012 | 20.68% | 24.88% |
| 2011 | 16.56% | 35.52% |
| 2010 | 12.22% | 172.16% |
| 2009 | 4.49% | 13.38% |
| 2008 | 3.96% | -69.11% |
| 2007 | 12.82% | -4.47% |
| 2006 | 13.42% | -27.54% |
| 2005 | 18.52% | 3.99% |
| 2004 | 17.81% | -2.36% |
| 2003 | 18.24% | 41.84% |
| 2002 | 12.86% | -23.59% |
| 2001 | 16.83% | -5.77% |
| 2000 | 17.86% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.12% |
CN
|
|
| 57.52% | -96.95% |
IT
|
|
| 21.82% | -98.84% |
IN
|
|
| 26.74% | -98.58% |
IN
|
|
| 20.55% | -98.91% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about ChoiceOne Financial Services, Inc.'s operating margin
What is ChoiceOne Financial Services, Inc.'s operating margin?
ChoiceOne Financial Services, Inc.'s operating margin is 18.84%, as of Nov 2026.
What was ChoiceOne Financial Services, Inc.'s operating margin in 2025?
In 2025, ChoiceOne Financial Services, Inc.'s operating margin was 17.72%, compared with 23.79% in 2024.
How has ChoiceOne Financial Services, Inc.'s operating margin changed since 2020?
From 2020 to 2025, ChoiceOne Financial Services, Inc.'s operating margin was highest in 2021 (31.62%) and lowest in 2025 (17.72%).
How does ChoiceOne Financial Services, Inc.'s operating margin compare with similar companies?
ChoiceOne Financial Services, Inc.'s operating margin (18.84%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.