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ChoiceOne Financial Services, Inc.: Business Overview, Financials & Competitive Analysis

ChoiceOne Financial Services, Inc. is a Michigan-based regional bank founded in 1898, serving consumers and businesses across the state. The company operates through a network of branches offering personal and busines...

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ChoiceOne Financial Services, Inc. OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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6/ 10Solid

Cyborg Score thesis

Community bank positioned for disciplined growth through acquisitions, trading at reasonable valuation with solid profitability...

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Industry Retail Banking
6 named competitors
1 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 5, 2026
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ChoiceOne Financial Services, Inc. Overview

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ChoiceOne Financial Services, Inc. is a Michigan-based regional bank founded in 1898, serving consumers and businesses across the state. The company operates through a network of branches offering personal and business banking services, loan options, and online banking, positioning itself as a community-focused financial institution with modern digital capabilities.

Strategic Profile

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ChoiceOne combines local decision-making with modern digital capabilities as a Michigan-based community bank. The firm completed the Fentura merger, adding $1.8 billion in assets, strengthening its market position. Two analysts have rated the stock with a Buy rating, with a consensus rating of "Moderate Buy" and an average target price of $36.50.

Competitive Landscape

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ChoiceOne operates in the regional banking industry, competing against larger regional and community banks for deposits, loans, and treasury management services. The company's scale advantage post-Fentura merger and digital capabilities provide differentiation in Michigan's competitive banking market. Community banks face ongoing competition from national banks and digital-first fintech players.

Industry Context

ChoiceOne Financial Services, Inc. operates in Retail Banking.

Key facts

Founded: 1898 · Headquarters: Sparta, Michigan, US · Employees: Not disclosed · Revenue: $216.29M (TTM as of August 2026) · Market cap: $491.74M

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Recent developments

Material events tracked by the AskCyborg corpus.

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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Mackinac Savings BankMichigan-based community bank→Flagstar BancorpMichigan-based regional bank and mortgage provider→Chemical Financial CorporationMichigan regional bank serving Great Lakes region→Fifth Third BankRegional bank acquired Comerica, serves Midwest and Southeast markets→Huntington BancsharesRegional bank serving Midwest and Mid-Atlantic regions including Michigan→Citizens BankRegional bank with significant Midwest presence competing for Michigan customers→

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Industry context

ChoiceOne Financial Services, Inc. operates in Retail Banking. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does ChoiceOne Financial Services, Inc. do?+
ChoiceOne Financial Services, Inc. is a Michigan-based regional bank founded in 1898, serving consumers and businesses across the state. The company operates through a network of branches offering personal and busines...
What is ChoiceOne Financial Services, Inc.'s Cyborg Score?+
ChoiceOne Financial Services, Inc. has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are ChoiceOne Financial Services, Inc.'s main competitors?+
Named competitors include Mackinac Savings Bank, Flagstar Bancorp, Chemical Financial Corporation, Fifth Third Bank. The full competitive landscape is in the AskCyborg report.
How can I get the full ChoiceOne Financial Services, Inc. research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the ChoiceOne Financial Services, Inc. research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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