COFS – Dividend Returns, History & Calculator
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides banking services in Michigan. The company offers time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also prov
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Total Returns
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Calculate your COFS Dividend Returns
Quickly and easily calculate COFS dividend yield using our COFS calculator. Adjust the fields below to see how your COFS investments snowball over time.
Portfolio Growth Over Time
Data last updated: October 16, 2025 10:06 pm
Year-by-Year Portfolio Growth (Realistic DRIP Scenario)
Year | Start Balance | Start Shares | Share Price | Dividend / Share | Dividend Yield | Yield on Cost | Annual Dividend | Total Dividends | End Shares | End Balance |
---|---|---|---|---|---|---|---|---|---|---|
1 | $10,000 | 380 | $26.29 | $0.28 | 4.26% | 4.26% | $465 | $465 | 444 | $11,665 |
2 | $11,925 | 444 | $26.88 | $0.30 | 4.42% | 4.52% | $570 | $1,035 | 510 | $13,695 |
3 | $14,000 | 510 | $27.47 | $0.32 | 4.59% | 4.80% | $689 | $1,724 | 578 | $15,889 |
4 | $16,243 | 578 | $28.09 | $0.33 | 4.77% | 5.10% | $825 | $2,549 | 650 | $18,268 |
5 | $18,675 | 650 | $28.71 | $0.36 | 4.95% | 5.41% | $980 | $3,529 | 726 | $20,855 |
6 | $21,320 | 726 | $29.35 | $0.38 | 5.14% | 5.74% | $1,157 | $4,685 | 807 | $23,676 |
7 | $24,204 | 807 | $30.01 | $0.40 | 5.34% | 6.09% | $1,359 | $6,044 | 892 | $26,763 |
8 | $27,359 | 892 | $30.68 | $0.43 | 5.54% | 6.47% | $1,591 | $7,635 | 983 | $30,150 |
9 | $30,821 | 983 | $31.36 | $0.45 | 5.76% | 6.87% | $1,857 | $9,491 | 1,080 | $33,878 |
10 | $34,633 | 1,080 | $32.06 | $0.48 | 5.98% | 7.29% | $2,162 | $11,654 | 1,185 | $37,995 |
COFS Dividend History
Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
---|---|---|---|---|---|
09/15/2025 | 09/15/2025 | $0.280 | 3.73% | 3.73% | $30.01 |
06/13/2025 | 06/13/2025 | $0.280 | 3.94% | 3.97% | $28.20 |
03/14/2025 | 03/14/2025 | $0.280 | 3.85% | 3.92% | $28.59 |
12/13/2024 | 12/13/2024 | $0.280 | 2.98% | 3.06% | $36.56 |
09/13/2024 | 09/13/2024 | $0.270 | 3.60% | 3.60% | $29.99 |
06/14/2024 | 06/14/2024 | $0.270 | 4.15% | 4.19% | $25.76 |
03/14/2024 | 03/14/2024 | $0.270 | 4.05% | 4.12% | $26.20 |
12/14/2023 | 12/14/2023 | $0.270 | 3.61% | 3.71% | $29.10 |
09/14/2023 | 09/14/2023 | $0.260 | 4.55% | 4.55% | $22.87 |
06/14/2023 | 06/14/2023 | $0.260 | 4.27% | 4.31% | $24.15 |
03/14/2023 | 03/14/2023 | $0.260 | 3.88% | 3.95% | $26.31 |
12/14/2022 | 12/14/2022 | $0.260 | 4.06% | 4.18% | $24.90 |
09/14/2022 | 09/14/2022 | $0.250 | 4.71% | 4.71% | $21.24 |
06/14/2022 | 06/14/2022 | $0.250 | 4.99% | 4.99% | $20.05 |
03/14/2022 | 03/14/2022 | $0.250 | 3.80% | 3.92% | $25.51 |
12/14/2021 | 12/14/2021 | $0.250 | 3.75% | 3.98% | $25.10 |
09/14/2021 | 09/14/2021 | $0.250 | 3.70% | 4.06% | $24.62 |
06/14/2021 | 06/14/2021 | $0.220 | 3.46% | 3.55% | $24.82 |
03/12/2021 | 03/12/2021 | $0.220 | 2.83% | 2.96% | $29.70 |
12/14/2020 | 12/14/2020 | $0.220 | 2.70% | 2.89% | $30.41 |
COFS 10-yr Total Return ($10,000 invested)
This analysis of COFS demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 7.6% CAGR, representing moderate long-term performance. The DRIP strategy provided 21% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.
Total Return with and without DRIP (COFS)
Over the selected period, investing $10,000 in COFS would grow to $31,268 with DRIP (212.7%), and $26,662 without DRIP (166.6%).
COFS Dividend Reinvestment Snowball
Investing $10,000 + $100/mo in COFS with historic price growth (2.44%) and dividend growth (6.15%) produces dramatically different outcomes depending on whether you reinvest dividends.
After 20 Years
Your Investment: $34,000
Portfolio: $118,074
Annual Dividend: $10,043
Yield on Cost: 29.54%
Total Dividends: $61,691
Portfolio: $81,728
Total Dividends: $34,686
After 30 Years
Your Investment: $46,000
Portfolio: $423,983
Annual Dividend: $51,475
Yield on Cost: 111.90%
Total Dividends: $299,460
Portfolio: $168,220
Total Dividends: $94,794
Milestones on the way
By year 13, the compounding really starts to show. Your total dividends collected reach $19,624 against a total investment of $25,600. At this point, your portfolio is throwing off $3,573 per year in dividends alone.
By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $6,416, a powerful “income on autopilot” milestone.
After two decades, cumulative dividends total $61,691 versus $34,000 invested, nearly a 181% recovery of capital purely from income. Yield on cost reaches 29.54%.
At year 25, the income engine takes over. The portfolio’s annual dividend of $21,981 is greater than total contributions to date ($40,000), and cumulative dividends exceed $134,540.
By year 30, the DRIP snowball is in full force. Yearly income reaches $51,475, cumulative dividends total $299,460, and the DRIP portfolio value stands at $423,983, compared with $168,220 if dividends weren’t reinvested.
How we estimate these numbers
We use the latest calculator inputs for COFS, price $26.83, dividend per period $0.28 (4×/year), along with historic growth assumptions: price growth 2.44% and dividend growth 6.15% annually.
We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.
This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.
Projected Future Returns & Dividends for COFS
Based on past 10-year performance, here are COFS growth metrics:
Using COFS CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:
COFS (DRIP) | COFS (No DRIP) | |
---|---|---|
Current Price | $26.83 | $26.83 |
Start Shares | 372.72 | 372.72 |
Start Value | $10,000 | $10,000 |
After 10 years: | ||
Final Share Count | 568.74 | 372.72 |
Dividends Payment | $2.16 | $2.16 |
Annual Dividends | $1,177 | $805 |
Yield on cost | 11.77% | 8.05% |
Share Price | $48.72 | $48.72 |
Total Dividends | $7,584 | $6,099 |
Final Value | $27,709 | $24,258 |
Estimated Future Value + Dividends – COFS
Dividend History: Payments & Yield
Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.
Dividend Growth
Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.
Dividend Payments & Yield
Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.
COFS Dividend History
Ex-Date | Payment Date | Amount | TTM Yield | Forward Yield | Price on Ex-Date |
---|---|---|---|---|---|
09/15/2025 | 09/15/2025 | $0.280 | 3.73% | 3.73% | $30.01 |
06/13/2025 | 06/13/2025 | $0.280 | 3.94% | 3.97% | $28.20 |
03/14/2025 | 03/14/2025 | $0.280 | 3.85% | 3.92% | $28.59 |
12/13/2024 | 12/13/2024 | $0.280 | 2.98% | 3.06% | $36.56 |
09/13/2024 | 09/13/2024 | $0.270 | 3.60% | 3.60% | $29.99 |
06/14/2024 | 06/14/2024 | $0.270 | 4.15% | 4.19% | $25.76 |
03/14/2024 | 03/14/2024 | $0.270 | 4.05% | 4.12% | $26.20 |
12/14/2023 | 12/14/2023 | $0.270 | 3.61% | 3.71% | $29.10 |
09/14/2023 | 09/14/2023 | $0.260 | 4.55% | 4.55% | $22.87 |
06/14/2023 | 06/14/2023 | $0.260 | 4.27% | 4.31% | $24.15 |
03/14/2023 | 03/14/2023 | $0.260 | 3.88% | 3.95% | $26.31 |
12/14/2022 | 12/14/2022 | $0.260 | 4.06% | 4.18% | $24.90 |
09/14/2022 | 09/14/2022 | $0.250 | 4.71% | 4.71% | $21.24 |
06/14/2022 | 06/14/2022 | $0.250 | 4.99% | 4.99% | $20.05 |
03/14/2022 | 03/14/2022 | $0.250 | 3.80% | 3.92% | $25.51 |
12/14/2021 | 12/14/2021 | $0.250 | 3.75% | 3.98% | $25.10 |
09/14/2021 | 09/14/2021 | $0.250 | 3.70% | 4.06% | $24.62 |
06/14/2021 | 06/14/2021 | $0.220 | 3.46% | 3.55% | $24.82 |
03/12/2021 | 03/12/2021 | $0.220 | 2.83% | 2.96% | $29.70 |
12/14/2020 | 12/14/2020 | $0.220 | 2.70% | 2.89% | $30.41 |
09/14/2020 | 09/14/2020 | $0.200 | 2.82% | 2.82% | $28.33 |
06/12/2020 | 06/12/2020 | $0.200 | 4.59% | 2.62% | $30.53 |
03/12/2020 | 03/12/2020 | $0.200 | 5.08% | 2.90% | $27.58 |
12/12/2019 | 12/12/2019 | $0.200 | 4.34% | 2.48% | $32.25 |
09/18/2019 | 09/18/2019 | $0.800 | 4.78% | 11.09% | $28.85 |
06/13/2019 | 06/13/2019 | $0.200 | 2.70% | 2.85% | $28.10 |
03/14/2019 | 03/14/2019 | $0.200 | 2.87% | 3.11% | $25.75 |
12/13/2018 | 12/13/2018 | $0.180 | 2.83% | 2.87% | $25.10 |
09/13/2018 | 09/13/2018 | $0.180 | 2.55% | 2.65% | $27.15 |
06/14/2018 | 06/14/2018 | $0.180 | 2.60% | 2.77% | $26.00 |
03/14/2018 | 03/14/2018 | $0.171 | 2.79% | 2.91% | $23.57 |
12/14/2017 | 12/14/2017 | $0.162 | 2.89% | 2.93% | $22.13 |
09/14/2017 | 09/14/2017 | $0.162 | 2.96% | 3.03% | $21.38 |
06/13/2017 | 06/13/2017 | $0.162 | 2.88% | 2.98% | $21.71 |
03/13/2017 | 03/13/2017 | $0.154 | 2.83% | 2.83% | $21.76 |
12/13/2016 | 12/13/2016 | $0.154 | 2.83% | 2.83% | $21.77 |
09/13/2016 | 09/13/2016 | $0.154 | 3.08% | 3.08% | $20.05 |
06/13/2016 | 06/13/2016 | $0.154 | 3.08% | 3.08% | $20.05 |
03/11/2016 | 03/11/2016 | $0.154 | 3.04% | 3.04% | $20.32 |
12/11/2015 | 12/11/2015 | $0.154 | 2.86% | 2.94% | $20.95 |
09/11/2015 | 09/11/2015 | $0.154 | 2.82% | 3.00% | $20.59 |
06/11/2015 | 06/11/2015 | $0.154 | 2.75% | 3.02% | $20.45 |
03/11/2015 | 03/11/2015 | $0.136 | 2.61% | 2.61% | $20.86 |
12/11/2014 | 12/11/2014 | $0.136 | 2.66% | 2.71% | $20.09 |
09/11/2014 | 09/11/2014 | $0.136 | 2.73% | 2.82% | $19.27 |
06/11/2014 | 06/11/2014 | $0.136 | 3.17% | 3.33% | $16.33 |
03/12/2014 | 03/12/2014 | $0.127 | 3.24% | 3.29% | $15.42 |
12/11/2013 | 12/11/2013 | $0.127 | 3.32% | 3.45% | $14.74 |
09/11/2013 | 09/11/2013 | $0.127 | 3.23% | 3.41% | $14.88 |
06/12/2013 | 06/12/2013 | $0.118 | 3.15% | 3.15% | $14.98 |
03/13/2013 | 03/13/2013 | $0.118 | 3.26% | 3.32% | $14.20 |
12/12/2012 | 12/12/2012 | $0.118 | 3.45% | 3.59% | $13.15 |
09/12/2012 | 09/12/2012 | $0.118 | 3.16% | 3.35% | $14.06 |
06/13/2012 | 06/13/2012 | $0.109 | 3.15% | 3.15% | $13.83 |
03/13/2012 | 03/13/2012 | $0.109 | 3.84% | 3.84% | $11.34 |
12/13/2011 | 12/13/2011 | $0.109 | 4.68% | 4.68% | $9.31 |
09/13/2011 | 09/13/2011 | $0.109 | 4.09% | 4.09% | $10.66 |
06/13/2011 | 06/13/2011 | $0.109 | 4.53% | 4.53% | $9.61 |
03/11/2011 | 03/11/2011 | $0.109 | 4.29% | 4.29% | $10.16 |
12/13/2010 | 12/13/2010 | $0.109 | 4.17% | 4.17% | $10.43 |
09/13/2010 | 09/13/2010 | $0.109 | 4.69% | 4.69% | $9.28 |
06/11/2010 | 06/11/2010 | $0.109 | 5.33% | 5.33% | $8.16 |
03/11/2010 | 03/11/2010 | $0.109 | 5.71% | 5.71% | $7.62 |
12/11/2009 | 12/11/2009 | $0.109 | 6.00% | 6.00% | $7.26 |
09/11/2009 | 09/11/2009 | $0.109 | 6.63% | 6.00% | $7.26 |
06/11/2009 | 06/11/2009 | $0.109 | 9.21% | 7.62% | $5.71 |
03/11/2009 | 03/11/2009 | $0.109 | 10.50% | 8.00% | $5.44 |
12/11/2008 | 12/11/2008 | $0.154 | 8.50% | 8.50% | $7.26 |
09/11/2008 | 09/11/2008 | $0.154 | 6.67% | 6.67% | $9.25 |
06/11/2008 | 06/11/2008 | $0.154 | 6.94% | 6.94% | $8.89 |
03/12/2008 | 03/12/2008 | $0.154 | 6.18% | 6.18% | $9.98 |
12/12/2007 | 12/12/2007 | $0.154 | 5.86% | 5.86% | $10.52 |
09/12/2007 | 09/12/2007 | $0.154 | 4.81% | 4.81% | $12.83 |
06/13/2007 | 06/13/2007 | $0.154 | 4.18% | 4.18% | $14.74 |
03/13/2007 | 03/13/2007 | $0.154 | 4.12% | 4.12% | $14.97 |
12/13/2006 | 12/13/2006 | $0.154 | 3.81% | 3.81% | $16.19 |
09/13/2006 | 09/13/2006 | $0.154 | 3.78% | 3.78% | $16.33 |
06/13/2006 | 06/13/2006 | $0.154 | 3.78% | 3.78% | $16.33 |
03/13/2006 | 03/13/2006 | $0.154 | 3.89% | 3.89% | $15.87 |
12/13/2005 | 12/13/2005 | $0.154 | 3.54% | 3.58% | $17.23 |
09/13/2005 | 09/13/2005 | $0.154 | 3.31% | 3.39% | $18.19 |
06/13/2005 | 06/13/2005 | $0.154 | 3.36% | 3.49% | $17.69 |
03/11/2005 | 03/11/2005 | $0.147 | 3.09% | 3.09% | $19.00 |
12/13/2004 | 12/13/2004 | $0.147 | 2.95% | 2.95% | $19.91 |
09/13/2004 | 09/13/2004 | $0.147 | 3.24% | 3.24% | $18.14 |
06/14/2004 | 06/14/2004 | $0.147 | 3.40% | 3.40% | $17.28 |
03/10/2004 | 03/10/2004 | $0.147 | 2.68% | 3.58% | $16.41 |
12/10/2003 | 12/10/2003 | $0.147 | 2.00% | 4.00% | $14.69 |
09/11/2003 | 09/11/2003 | $0.147 | 1.06% | 4.25% | $13.82 |
Dividend Payout Ratio
Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.
Dividend to Free Cash Flow Ratio
Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.
Share Price
Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.
Price to Earnings
COFS trades at a 31.5x price-to-earnings ratio. This elevated valuation suggests investors expect strong future growth.
Price to Sales
COFS trades at a 10.0x price-to-sales ratio, providing insight into market valuation relative to revenue generation.
Revenue
COFS generated $0.0B in revenue.
Net Income
COFS reported $0.0B in net income. Net income has grown by 110% over the period.
Revenue vs Net Income
COFS generated $0.0B in revenue with net income of $0.0B, representing a 31.6% net profit margin.
Gross Profit
COFS achieved $0.0B in gross profit, showing revenue after direct production costs.
Operating Income
COFS generated $0.0B in operating income, representing profit from core business operations.
EBITDA
COFS generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.
Operating Cash Flow
COFS generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.
Free Cash Flow
COFS generated $0.0B in free cash flow. Free cash flow has increased by 90% over the period.
Free Cash Flow / Share
COFS generates $0.94 in free cash flow per share. FCF per share has grown by 90% over the period.
Earnings Per Share (EPS)
COFS reported $0.90 in earnings per share. EPS has grown by 110% over the period.
Return on Equity (ROE)
COFS delivered a 26.3% return on equity, indicating how effectively the company generates returns for shareholders.
Return on Assets (ROA)
COFS achieved a 15.8% return on assets, measuring how efficiently the company uses its assets to generate profit.
Net Profit Margin
COFS maintains a 31.6% net profit margin, showing the percentage of revenue retained as profit after all expenses.
Gross Profit Margin
COFS operates with a 76.5% gross profit margin, reflecting pricing power and cost efficiency in core operations.
Cash & Debt
COFS holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.
Shares Outstanding
COFS has 0.0B shares outstanding.
Stock-Based Comp
COFS reported $0.0B in stock-based compensation.
FCF vs Stock Based Comp
COFS generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 8% of FCF.
FCF vs FCF / Share
COFS reported $0.0B in free cash flow, translating to $0.94 per share.
Revenue: Actual + Estimates
This chart tracks COFS revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
EPS: Actual + Estimates
This chart tracks COFS eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
Net Income: Actual + Estimates
This chart tracks COFS net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.
EBITDA: Actual + Estimates
This chart tracks COFS ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.