COFS ChoiceOne Financial Services, Inc. - Common Stock
$34.12
Price · Aug 18, 2026
Fundamentals as of Aug 10, 2026
52W Range
$26–$35
86% of range
Analyst Rating
BUY
9 analysts
Price Target
$37
+8% upside
P/E (TTM)
17.0
ROE
6.3%
Net Profit Margin
12.4%
COFS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$34.12
Market Cap
$512M
P/E (TTM)
17.0
EPS (TTM)
$2.01
Revenue (TTM)
$228M
Div Yield
3.3%
ROE
6.3%
Debt/Equity
—
52W Range
$26 – $35
COFS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$228M
2022-12-31
→
2025-12-31
EPS
$2.01
2021-12-31
→
2025-12-31
Free Cash Flow
$25M
2021-12-31
→
2025-12-31
Margins
12.4%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
COFS
Peer Median
P/E (TTM)
17.0
11.6
P/S (TTM)
2.2
2.5
P/B
1.1
1.0
Price / FCF
20.3
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
COFS
Peer Median
Net Profit Margin
12.4%
27.9%
ROA
0.79%
1.1%
ROE
6.3%
10.1%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
COFS
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
COFS
Peer Median
Revenue YoY
63.6%
—
Revenue CAGR 3Y
36.7%
—
EPS YoY
-38.1%
—
Net Income YoY
5.4%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
COFS
Peer Median
Payout Ratio
60.2%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
3.3%
Payout Ratio
60.2%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| June 15, 2026 | $0.2900 |
| March 13, 2026 | $0.2900 |
| Dec. 15, 2025 | $0.2900 |
| Sept. 15, 2025 | $0.2800 |
| June 13, 2025 | $0.2800 |
| March 14, 2025 | $0.2800 |
| Dec. 13, 2024 | $0.2800 |
| Sept. 13, 2024 | $0.2700 |
| June 14, 2024 | $0.2700 |
| March 14, 2024 | $0.2700 |
| Dec. 14, 2023 | $0.2700 |
| Sept. 14, 2023 | $0.2600 |
| June 14, 2023 | $0.2600 |
| March 14, 2023 | $0.2600 |
| Dec. 14, 2022 | $0.2600 |
| Sept. 14, 2022 | $0.2500 |
| June 14, 2022 | $0.2500 |
| March 14, 2022 | $0.2500 |
| Dec. 14, 2021 | $0.2500 |
| Sept. 14, 2021 | $0.2500 |
COFS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 2 22.2%
- Buy 5 55.6%
- Hold 2 22.2%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-13
Median
$38.00
Mean
$37.00
← Below all targets
$34.12
Low
$35.00
High
$38.00
Median target
$38.00
+11.4%
Mean target
$37.00
+8.4%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.04%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.83 | $0.90 | -0.07% |
| March 31, 2026 | $0.91 | $0.86 | 0.05% |
| Dec. 31, 2025 | $0.92 | $0.92 | 0.00% |
| Sept. 30, 2025 | $0.97 | $0.88 | 0.09% |
| June 30, 2025 | $0.91 | $0.80 | 0.11% |
| March 31, 2025 | $0.86 | $0.80 | 0.06% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | — |
| BWFG | $362M | 10.3 | 44.0% | 1245.5% | 12.0% | — |
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | — |
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | — |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | — |
| BSVN | $388M | 9.1 | -1.1% | 44.7% | 18.6% | — |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | $228M | $139M | $114M | $89M | |
| Interest Expense | · | · | $33M | $8M | |
| Interest Income | $203M | $121M | $99M | $75M | |
| Pretax Income | $34M | $33M | $26M | $28M | |
| Income Tax | $6M | $6M | $4M | $4M | |
| Net Income | $28M | $27M | $21M | $24M | |
| EPS (Basic) | $2.02 | $3.27 | $2.82 | $3.15 | |
| EPS (Diluted) | $2.01 | $3.25 | $2.82 | $3.15 | |
| Shares (Basic) | 13,941,260 | 8,166,472 | 7,532,998 | 7,504,173 | |
| Shares (Diluted) | 13,992,099 | 8,221,065 | 7,572,290 | 7,527,371 |
Balance Sheet 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Cash & Equivalents | $88M | $97M | $55M | $44M | |
| PP&E (Net) | $48M | $27M | $30M | $28M | |
| PP&E (Gross) | $80M | $49M | $51M | $46M | |
| Accum. Depreciation | $32M | $22M | $21M | $18M | |
| Goodwill | $130M | $60M | $60M | $60M | |
| Intangibles | $31M | $1M | $2M | · | |
| Total Assets | $4.41B | $2.72B | $2.58B | $2.39B | |
| Total Liabilities | $3.95B | $2.46B | $2.38B | $2.22B | |
| Retained Earnings | $103M | $91M | $74M | $68M | |
| AOCI | $-36M | $-38M | $-52M | $-72M | |
| Stockholders' Equity | $465M | $260M | $196M | $161M | |
| Liabilities + Equity | $4.41B | $2.72B | $2.58B | $2.39B | |
| Shares Outstanding | 15,000,939 | 8,965,483 | 7,548,217 | 7,516,098 |
Cash Flow 17
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Stock-based Comp | $883.0K | $720.0K | $1M | $958.0K | |
| Deferred Tax | $-113.0K | $-271.0K | $-24.0K | $-15.0K | |
| Amort. of Intangibles | $6M | $757.0K | $955.0K | $1M | |
| Operating Cash Flow | $32M | $47M | $46M | $44M | |
| CapEx | $7M | $2M | $4M | $1M | |
| Investing Cash Flow | $107M | $-96M | $-181M | $-90M | |
| Debt Issued | · | $315M | $420M | $726M | |
| Net Debt Issued | · | $-25M | $150M | $0 | |
| Stock Issued | $892.0K | $674.0K | $231.0K | $172.0K | |
| Stock Repurchased | $3M | $0 | $0 | $682.0K | |
| Net Stock Activity | $-2M | $674.0K | $231.0K | $-595.0K | |
| Dividends Paid | $17M | $9M | $8M | $8M | |
| Financing Cash Flow | $-147M | $91M | $146M | $58M | |
| Net Change in Cash | $-9M | $41M | $11M | $12M | |
| Taxes Paid | $7M | $6M | $4M | $2M | |
| Free Cash Flow | $25M | $47M | $42M | $44M | |
| Levered FCF | · | · | $15M | $37M |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Net Margin | 12.4% | 19.2% | 26.3% | 29.0% | |
| Pretax Margin | 15.0% | 23.8% | 31.6% | 34.0% | |
| ROA | 0.79% | 0.98% | 0.86% | 0.99% | |
| ROE | 6.3% | 10.5% | 11.3% | 14.5% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 |
Growth Rates 9
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue YoY | 63.6% | 22.1% | 27.8% | · | |
| Revenue CAGR 3Y | 36.7% | · | · | · | |
| EPS YoY | -38.1% | 15.2% | -10.5% | 10.1% | |
| EPS CAGR 3Y | -13.9% | 4.3% | 10.9% | · | |
| EPS CAGR 5Y | -0.59% | · | · | · | |
| Net Income YoY | 5.4% | 25.7% | -10.1% | 7.2% | |
| Net Income CAGR 3Y | 6.0% | 6.6% | 10.8% | · | |
| Net Income CAGR 5Y | 12.5% | · | · | · | |
| Dividend CAGR 5Y | 22.4% | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue TTM | $228M | $139M | $114M | $89M | |
| Net Income TTM | $28M | $27M | $21M | $24M | |
| Market Cap | $443M | $320M | $221M | $218M | |
| P/E | 14.7 | 11.0 | 10.4 | 9.2 | |
| P/S | 1.9 | 2.3 | 1.9 | 2.4 | |
| P/B | 1.0 | 1.2 | 1.1 | 1.3 | |
| P / Tangible Book | 1.5 | 1.6 | 1.7 | 2.2 | |
| P / Cash Flow | 13.9 | 6.6 | 4.8 | 4.8 | |
| P / FCF | 17.6 | 6.8 | 5.2 | 5.0 | |
| Dividend Yield | 3.8% | 2.8% | 3.6% | 3.5% | |
| Earnings Yield | 6.8% | 9.1% | 9.6% | 10.9% | |
| Payout Ratio | 60.2% | 33.7% | 37.2% | 32.1% | |
| Annual Payout | $17M | $9M | $8M | $8M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $59M | $59M | $60M | $62M | $60M | $45M | $100M | $3M | $3M | $32M | $105M | $3M | $3M | $3M | $81M | $3M | |
| Interest Expense | · | · | · | · | · | · | · | · | $12M | $12M | · | $10M | $7M | $4M | · | $2M | |
| Interest Income | $54M | $53M | $54M | $55M | $54M | $40M | $31M | $32M | $30M | $28M | $28M | $26M | $23M | $21M | $21M | $19M | |
| Pretax Income | $15M | $17M | $17M | $18M | $17M | $-18M | $9M | $9M | $8M | $7M | $6M | $6M | $6M | $7M | $8M | $7M | |
| Income Tax | $3M | $3M | $3M | $4M | $3M | $-4M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Net Income | $12M | $14M | $14M | $15M | $14M | $-14M | $7M | $7M | $7M | $6M | $5M | $5M | $5M | $6M | $7M | $6M | |
| EPS (Basic) | $0.83 | $0.91 | $1.44 | $0.98 | $0.90 | $-1.30 | $0.79 | $0.86 | $0.87 | $0.75 | $0.70 | $0.68 | $0.69 | $0.75 | $0.89 | $0.77 | |
| EPS (Diluted) | $0.83 | $0.91 | $1.43 | $0.97 | $0.90 | $-1.29 | $0.79 | $0.85 | $0.87 | $0.74 | $0.70 | $0.68 | $0.69 | $0.75 | $0.89 | $0.77 | |
| Shares (Basic) | 14,962,556 | 14,990,017 | -26,748,808 | 15,014,933 | 14,999,067 | 10,676,068 | -15,522,997 | 8,567,548 | 7,569,241 | 7,552,680 | -15,053,457 | 7,537,996 | 7,529,177 | 7,519,282 | -14,998,326 | 7,507,538 | |
| Shares (Diluted) | 15,006,518 | 15,041,910 | -26,844,253 | 15,061,155 | 15,035,113 | 10,740,084 | -15,599,731 | 8,615,817 | 7,604,963 | 7,600,016 | -15,099,970 | 7,568,034 | 7,551,897 | 7,552,329 | -15,020,436 | 7,520,358 |
Balance Sheet 13
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $89M | $84M | $88M | $99M | $156M | $139M | $97M | $146M | $101M | $150M | · | $145M | $77M | $55M | · | $51M | |
| PP&E (Net) | $50M | $49M | $48M | $46M | $46M | $44M | $27M | $27M | $27M | $28M | · | $30M | $29M | $29M | · | $29M | |
| PP&E (Gross) | · | · | $80M | · | · | · | $49M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $32M | · | · | · | $22M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $130M | $130M | $130M | $127M | $127M | $127M | $60M | $60M | $60M | $60M | $60M | $60M | $60M | $60M | $60M | $60M | |
| Intangibles | $28M | $29M | $31M | $32M | $33M | $35M | $1M | · | · | · | · | · | · | · | · | · | |
| Total Assets | $4.46B | $4.39B | $4.41B | $4.30B | $4.31B | $4.31B | $2.72B | $2.73B | $2.62B | $2.67B | $2.58B | $2.57B | $2.48B | $2.41B | $2.39B | $2.36B | |
| Total Liabilities | $3.97B | $3.92B | $3.95B | $3.85B | $3.88B | $3.88B | $2.46B | $2.48B | $2.41B | $2.46B | · | $2.39B | $2.30B | $2.24B | · | $2.21B | |
| Retained Earnings | $120M | $112M | $103M | $93M | $83M | $73M | $91M | $87M | $82M | $77M | · | $70M | $67M | $64M | · | $64M | |
| AOCI | $-34M | $-40M | $-36M | $-42M | $-49M | $-44M | $-38M | $-45M | $-41M | $-44M | · | $-62M | $-61M | $-68M | · | $-79M | |
| Stockholders' Equity | $483M | $470M | $465M | $450M | $432M | $427M | $260M | $248M | $215M | $207M | $196M | $181M | $179M | $169M | $169M | $157M | |
| Liabilities + Equity | $4.46B | $4.39B | $4.41B | $4.30B | $4.31B | $4.31B | $2.72B | $2.73B | $2.62B | $2.67B | · | $2.57B | $2.48B | $2.41B | · | $2.36B | |
| Shares Outstanding | 14,950,472 | 14,960,200 | 15,000,939 | 15,017,802 | 15,008,864 | 14,975,034 | 8,965,483 | 8,959,664 | 7,573,618 | 7,556,137 | · | 7,541,187 | 7,534,658 | 7,521,749 | · | 7,510,036 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $266.0K | $298.0K | $259.0K | $242.0K | $192.0K | $190.0K | $179.0K | $-35.0K | $281.0K | $295.0K | $264.0K | $254.0K | $252.0K | $235.0K | $232.0K | $233.0K | |
| Amort. of Intangibles | $2M | $2M | $2M | $2M | $2M | $680.0K | $153.0K | $198.0K | $203.0K | $203.0K | $203.0K | $247.0K | $253.0K | $252.0K | $252.0K | $297.0K | |
| Operating Cash Flow | $30M | $-177.0K | $14M | $15M | $9M | $-9M | $23M | $-7M | $16M | $15M | $-11M | $32M | $16M | $9M | $12M | $10M | |
| CapEx | $3M | $2M | $2M | $2M | $2M | $835.0K | $659.0K | $253.0K | $483.0K | $311.0K | $780.0K | $1M | $1M | $1M | $-74.0K | $537.0K | |
| Investing Cash Flow | $-65M | $15M | $-118M | $-42M | $10M | $260M | $-41M | $-59M | $-4M | $8M | $-85M | $-29M | $-48M | $-19M | $-29M | $-8M | |
| Stock Issued | $244.0K | $255.0K | $214.0K | $246.0K | $260.0K | $172.0K | $174.0K | $385.0K | $59.0K | $56.0K | $63.0K | $52.0K | $64.0K | $52.0K | $92.0K | $0 | |
| Stock Repurchased | $1M | $1M | · | · | $-2M | $2M | · | · | · | $0 | $0 | $0 | $0 | $0 | $0 | $0 | |
| Net Stock Activity | · | $-1M | · | · | · | $-2M | · | · | · | $56.0K | · | · | · | $52.0K | · | · | |
| Dividends Paid | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $39M | $-18M | $93M | $-30M | $-2M | $-208M | $-32M | $112M | $-61M | $72M | $7M | $65M | $54M | $21M | $9M | $9M | |
| Net Change in Cash | $4M | $-4M | $-11M | $-57M | $17M | $43M | $-49M | $45M | $-49M | $95M | $-89M | $68M | $22M | $11M | $-8M | $11M | |
| Taxes Paid | $0 | $0 | $4M | $0 | $3M | $0 | $2M | $2M | $3M | $0 | $550.0K | $1M | $3M | $0 | $2M | $200.0K | |
| Free Cash Flow | · | $-2M | · | · | · | $-7M | · | · | · | $15M | · | · | · | $8M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $5M | · | · | · | $4M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.9% | 23.2% | · | 32.8% | 31.6% | -31.0% | · | 219.3% | 207.7% | 190.0% | · | 174.5% | 186.6% | 202.3% | · | 200.2% | |
| Pretax Margin | 36.1% | 28.2% | · | 41.0% | 38.9% | -39.2% | · | 276.7% | 257.8% | 230.7% | · | 211.2% | 223.8% | 239.3% | · | 236.6% | |
| ROA | 0.28% | 0.32% | · | 0.42% | 0.39% | -0.40% | · | 0.28% | 0.26% | 0.22% | · | 0.21% | 0.22% | 0.24% | · | 0.25% | |
| ROE | 2.7% | 3.1% | · | 4.2% | 4.2% | -4.4% | · | 3.4% | 3.4% | 3.0% | · | 3.0% | 3.0% | 3.1% | · | 3.0% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | · | · | · | $84M | $84M | $84M | · | $42M | $41M | $41M | · | $11M | $11M | $11M | · | $11M | |
| Net Income TTM | $54M | $28M | · | $22M | $14M | $6M | · | $25M | $23M | $22M | · | $22M | $22M | $23M | · | $23M | |
| Market Cap | $508M | $421M | · | $435M | $431M | $431M | · | $277M | $217M | $207M | · | $148M | $173M | $190M | · | $163M | |
| P/E | 9.4 | 18.9 | · | 20.3 | 21.6 | 24.6 | · | 9.8 | 9.6 | 9.6 | · | 6.8 | 7.8 | 8.4 | · | 7.2 | |
| P/S | · | · | · | 5.2 | 5.1 | 5.1 | · | 6.6 | 5.2 | 5.0 | · | 13.0 | 15.2 | 16.8 | · | 14.5 | |
| P/B | 1.1 | 0.9 | · | 1.0 | 1.0 | 1.0 | · | 1.1 | 1.0 | 1.0 | · | 0.8 | 1.0 | 1.1 | · | 1.0 | |
| P / Tangible Book | 1.6 | 1.4 | · | 1.5 | 1.6 | 1.6 | · | 1.5 | 1.4 | 1.4 | · | 1.2 | 1.5 | 1.7 | · | 1.7 | |
| P / Cash Flow | · | -2376.7 | · | · | · | -66.6 | · | · | · | 13.5 | · | · | · | 20.7 | · | · | |
| P / FCF | · | -247.3 | · | · | · | -59.0 | · | · | · | 13.8 | · | · | · | 23.3 | · | · | |
| Earnings Yield | 10.6% | 5.3% | · | 4.9% | 4.6% | 4.1% | · | 10.2% | 10.4% | 10.5% | · | 14.7% | 12.9% | 11.9% | · | 13.9% | |
| Payout Ratio | · | 31.6% | · | · | · | -30.1% | · | · | · | 36.2% | · | · | · | 34.7% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Revenue | $228M | — | — | $139M | — |
| Net Income | $28M | — | — | $27M | — |
| Diluted EPS | $2.01 | — | — | $3.25 | — |
Cash Flow
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Free Cash Flow | $25M | — | — | $47M | — |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 131 filers · $172.0M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 30 (+11 vs prior Q) | 15 (+4 vs prior Q) | 45 (+6 vs prior Q) | 23 (-9 vs prior Q) | +647K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $21,225,316 | 624,274 | 12.34% | Shares |
| VANGUARD GROUP INC | $20,924,278 | 708,817 | 12.16% | Shares |
| STATE STREET CORP | $15,213,028 | 447,442 | 8.84% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $11,171,265 | 328,488 | 6.49% | Shares |
| ALLIANCEBERNSTEIN L.P. | $9,634,896 | 342,635 | 5.60% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,248,646 | 272,019 | 5.38% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,727,520 | 227,280 | 4.49% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $7,466,468 | 219,602 | 4.34% | Shares |
| AMERICAN CENTURY COMPANIES INC | $6,551,426 | 192,689 | 3.81% | Shares |
| GENDELL JEFFREY L | $5,050,632 | 148,548 | 2.94% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,464,940 | 101,910 | 2.01% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,143,674 | 92,461 | 1.83% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,007,606 | 88,459 | 1.75% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,973,844 | 87,466 | 1.73% | Shares |
| GOLDMAN SACHS GROUP INC | $2,954,668 | 86,902 | 1.72% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,540,106 | 74,709 | 1.48% | Shares |
| BlackRock, Inc. | $2,240,906 | 65,909 | 1.30% | Shares |
| LPL Financial LLC | $1,784,743 | 52,492 | 1.04% | Shares |
| FIRST TRUST ADVISORS LP | $1,738,352 | 51,128 | 1.01% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,650,700 | 48,550 | 0.96% | Shares |
| Empowered Funds, LLC | $1,571,106 | 46,209 | 0.91% | Shares |
| MARSHALL WACE, LLP | $1,560,804 | 45,906 | 0.91% | Shares |
| BROWN BROTHERS HARRIMAN & CO | $1,556,758 | 45,787 | 0.91% | Shares |
| D. E. Shaw & Co., Inc. | $1,482,332 | 43,598 | 0.86% | Shares |
| Bank of New York Mellon Corp | $1,449,794 | 42,641 | 0.84% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,434,324 | 42,186 | 0.83% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,400,527 | 41,192 | 0.81% | Shares |
| JPMORGAN CHASE & CO | $1,069,231 | 31,578 | 0.62% | Shares |
| Quantinno Capital Management LP | $972,400 | 28,600 | 0.57% | Shares |
| Shakespeare Wealth Management, LLC | $924,732 | 27,198 | 0.54% | Shares |
| TWO SIGMA ADVISERS, LP | $885,187 | 29,986 | 0.51% | Shares |
| HSBC HOLDINGS PLC | $845,021 | 25,127 | 0.49% | Shares |
| HBW ADVISORY SERVICES LLC | $842,486 | 24,779 | 0.49% | Shares |
| BARCLAYS PLC | $744,736 | 21,904 | 0.43% | Shares |
| STRS OHIO | $734,400 | 21,600 | 0.43% | Shares |
| Point72 Asset Management, L.P. | $713,796 | 20,994 | 0.41% | Shares |
| AMERIPRISE FINANCIAL INC | $707,880 | 20,820 | 0.41% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $657,322 | 19,333 | 0.38% | Shares |
| HighTower Advisors, LLC | $630,802 | 18,553 | 0.37% | Shares |
| RHUMBLINE ADVISERS | $618,460 | 18,190 | 0.36% | Shares |
| DEUTSCHE BANK AG\ | $469,676 | 13,814 | 0.27% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $467,398 | 13,747 | 0.27% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $444,992 | 13,088 | 0.26% | Shares |
| XTX Topco Ltd | $439,280 | 12,920 | 0.26% | Shares |
| BLAIR WILLIAM & CO/IL | $428,026 | 12,589 | 0.25% | Shares |
| WELLS FARGO & COMPANY/MN | $409,496 | 12,044 | 0.24% | Shares |
| SEI INVESTMENTS CO | $404,328 | 11,892 | 0.24% | Shares |
| Numerai GP LLC | $363,732 | 10,698 | 0.21% | Shares |
| Vanguard Global Advisers, LLC | $361,148 | 10,622 | 0.21% | Shares |
| IEQ CAPITAL, LLC | $360,130 | 10,592 | 0.21% | Shares |
| Trexquant Investment LP | $348,194 | 10,241 | 0.20% | Shares |
| Gradient Investments LLC | $316,812 | 9,318 | 0.18% | Shares |
| PRUDENTIAL FINANCIAL INC | $306,850 | 9,025 | 0.18% | Shares |
| MetLife Investment Management, LLC | $294,610 | 8,665 | 0.17% | Shares |
| Sterling Capital Management LLC | $283,900 | 8,350 | 0.17% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $283,599 | 8,341 | 0.16% | Shares |
| UBS Group AG | $280,908 | 8,262 | 0.16% | Shares |
| Capstone Financial Advisors, Inc. | $275,400 | 8,100 | 0.16% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $270,028 | 7,942 | 0.16% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $263,120 | 7,739 | 0.15% | Shares |
| Mutual Advisors, LLC | $259,522 | 7,633 | 0.15% | Shares |
| Semanteon Capital Management, LP | $249,254 | 7,331 | 0.14% | Shares |
| Mariner, LLC | $248,974 | 7,323 | 0.14% | Shares |
| Russell Investments Group, Ltd. | $243,066 | 7,149 | 0.14% | Shares |
| Sequoia Financial Advisors, LLC | $242,148 | 7,122 | 0.14% | Shares |
| CWM, LLC | $241,720 | 8,596 | 0.14% | Shares |
| Meridian Financial Partners LLC | $239,115 | 7,125 | 0.14% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $225,114 | 6,621 | 0.13% | Shares |
| Centiva Capital, LP | $223,040 | 6,560 | 0.13% | Shares |
| Odyssean, LLC | $212,806 | 6,259 | 0.12% | Shares |
| STIFEL FINANCIAL CORP | $210,426 | 6,189 | 0.12% | Shares |
| Rafferty Asset Management, LLC | $207,094 | 6,091 | 0.12% | Shares |
| Invesco Ltd. | $191,556 | 5,634 | 0.11% | Shares |
| OSAIC HOLDINGS, INC. | $187,442 | 5,513 | 0.11% | Shares |
| Police & Firemen's Retirement System of New Jersey | $167,416 | 4,924 | 0.10% | Shares |
| Nuveen, LLC | $149,328 | 4,392 | 0.09% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $144,806 | 4,259 | 0.08% | Shares |
| AlphaQuest LLC | $135,231 | 4,581 | 0.08% | Shares |
| NORTHERN TRUST CORP | $77,180 | 2,270 | 0.04% | Shares |
| Legal & General Group Plc | $49,300 | 1,450 | 0.03% | Shares |
| Tower Research Capital LLC (TRC) | $48,110 | 1,415 | 0.03% | Shares |
| Ameritas Investment Partners, Inc. | $39,474 | 1,161 | 0.02% | Shares |
| Cerity Partners LLC | $37,128 | 1,092 | 0.02% | Shares |
| CITIGROUP INC | $36,720 | 1,080 | 0.02% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $36,267 | 1,103 | 0.02% | Shares |
| Nuveen Asset Management, LLC | $32,646 | 916 | 0.02% | Shares |
| MORGAN STANLEY | $30,294 | 891 | 0.02% | Shares |
| Arax Advisory Partners | $30,260 | 890 | 0.02% | Shares |
| HARBOUR INVESTMENTS, INC. | $26,350 | 775 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $21,765 | 774 | 0.01% | Shares |
| Trust Co | $18,981 | 675 | 0.01% | Shares |
| FIFTH THIRD BANCORP | $18,734 | 551 | 0.01% | Shares |
| FMR LLC | $17,374 | 511 | 0.01% | Shares |
| Cranbrook Wealth Management, LLC | $14,756 | 434 | 0.01% | Shares |
| Allworth Financial LP | $14,688 | 432 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $14,000 | 421 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $12,954 | 381 | 0.01% | Shares |
| Rockefeller Capital Management L.P. | $11,560 | 340 | 0.01% | Shares |
| Creative Planning | $10,336 | 304 | 0.01% | Shares |
| Spire Wealth Management | $6,980 | 205 | 0.00% | Shares |
Company insiders 50 insiders · 15 officers · 36 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Kelly Potes | Chief Executive Officer | April 30, 2026 A | 47,256 | 0 | 0 | $0 |
| Michael J Burke Jr | President | April 30, 2026 A | 13,512 | 1 | 0 | $7,145 |
| Adom Greenland | Secretary | April 30, 2026 A | 17,800 | 1 | 0 | $13,700 |
| Bradley Henion | E.V.P. - ChoiceOne Bank (Sub.) | April 30, 2026 A | 6,313 | 0 | 0 | $0 |
| Robert M Jamula | S.V.P. - ChoiceOne Bank (Sub) | Feb. 15, 2022 A | 234 | 0 | 0 | $0 |
| Shelly M Childers | S.V.P. - ChoiceOne Bank (Sub.) | Feb. 15, 2022 A | 950 | 0 | 0 | $0 |
| Peter Batistoni | S.V.P. - ChoiceOne Bank (Sub.) | Feb. 15, 2022 A | 1,115 | 0 | 0 | $0 |
| Heather D Brolick | S.V.P. - ChoiceOne Bank (Sub.) | Feb. 15, 2022 A | 4,094 | 0 | 0 | $0 |
| Lee A Braford | S.V.P. - ChoiceOne Bank (Sub.) | Nov. 10, 2021 S | 0 | 0 | 0 | $0 |
| Steven M Devolder | S.V.P. - ChoiceOne Bank (Sub.) | March 15, 2021 A | 414 | 0 | 0 | $0 |
| Mary J Johnson | Secretary | Oct. 1, 2019 F | 18,691 | 0 | 0 | $0 |
| Sheila R Clark | S.V.P. - ChoiceOne Bank (Sub.) | Jan. 2, 2019 F | 20,986 | 0 | 0 | $0 |
| KNOOIHUIZEN LOUIS D | S.V.P - ChoiceOne Bank (Sub.) | Oct. 3, 2016 F | 3,992 | 0 | 0 | $0 |
| Linda R Pitsch | Secretary | Feb. 1, 2011 D | 3,996 | 0 | 0 | $0 |
| Michael E Mchugh | Senior Vice President | Jan. 24, 2008 A | — | 0 | 0 | $0 |
| Steven Theodore Krause | Director | July 1, 2026 A | 17,528 | 0 | 0 | $0 |
| Curt E Coulter | Director | July 1, 2026 A | 11,060 | 0 | 0 | $0 |
| Michelle M Wendling | Director | July 1, 2026 A | 7,477 | 0 | 0 | $0 |
| Harold J Burns | Director | July 1, 2026 A | 26,070 | 0 | 0 | $0 |
| Eric E Burrough | Director | July 1, 2026 A | 181,477 | 2 | 0 | $280,000 |
| Gregory A Mcconnell | Director | July 1, 2026 A | 37,446 | 3 | 0 | $74,342 |
| Bradley F. Mcginnis | Director | July 1, 2026 A | 14,219 | 1 | 0 | $29,150 |
| Greg L. Armock | Director | July 1, 2026 A | 46,370 | 0 | 0 | $0 |
| Keith D. Brophy | Director | July 1, 2026 A | 13,444 | 0 | 0 | $0 |
| Randy D Hicks | Director | July 1, 2026 A | 100,015 | 0 | 0 | $0 |
| Roxanne M Page | Director | July 1, 2026 A | 7,322 | 0 | 0 | $0 |
| Bruce John Essex Jr | Director | July 1, 2026 A | 250,503 | 0 | 0 | $0 |
| Brian P Petty | Director | July 1, 2026 A | 92,187 | 0 | 1 | $-443,400 |
| Jack Hendon | Director | July 1, 2025 A | 9,098 | 0 | 0 | $0 |
| David J Churchill | Director | Oct. 1, 2023 A | 3,104 | 0 | 0 | $0 |
| Nels W Nyblad | Director | April 1, 2023 A | 23,668 | 0 | 0 | $0 |
| Patrick Cronin | Director | July 1, 2022 A | 1,068 | 0 | 0 | $0 |
| David Bush | Director | July 1, 2022 A | 108,985 | 0 | 0 | $0 |
| Bruce Cady | Director | April 1, 2022 A | 943 | 0 | 0 | $0 |
| Paul L Johnson | Director | Oct. 1, 2021 A | 53,394 | 0 | 0 | $0 |
| James A Bosserd | Director | July 1, 2021 A | 14,327 | 0 | 0 | $0 |
| Raymond A. Lanning | Director | Jan. 23, 2019 A | 41,626 | 0 | 0 | $0 |
| William F Cutler JR | Director | July 26, 2017 A | 67,234 | 0 | 0 | $0 |
| Timothy K Bull | Director | Nov. 14, 2016 P | 64,575 | 0 | 0 | $0 |
| Frank G Berris | Director | Nov. 4, 2016 P | 3,932 | 0 | 0 | $0 |
| Stuart Goodfellow | Director | Oct. 23, 2013 A | 71,520 | 0 | 0 | $0 |
| Dennis C Nelson | Director | Aug. 1, 2013 S | 5,202 | 0 | 0 | $0 |
| Jerome B Arends | Director | Nov. 19, 2012 P | 24,619 | 0 | 0 | $0 |
| Donald Vansingel | Director | Nov. 1, 2012 P | 3,980 | 0 | 0 | $0 |
| Jon E Pike | Director | Jan. 27, 2011 A | 40,232 | 0 | 0 | $0 |
| Robert C Humphreys | Director | May 22, 2008 A | 123,596 | 0 | 0 | $0 |
| Andrew W Zamiara | Director | Oct. 31, 2007 A | 11,407 | 0 | 0 | $0 |
| Richard L Edgar | Director | Dec. 28, 2006 G | 17,287 | 0 | 0 | $0 |
| Bruce A Johnson | Director | Oct. 18, 2006 A | 8,051 | 0 | 0 | $0 |
| Thomas L Lampen | — | March 15, 2021 A | 14,586 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 33 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| SMDV · ProShares Trust | 1.06% | 220,846 NS | May 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.11% | 49,384 SH | Aug. 8, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.04% | 153 NS | April 30, 2026 | N-PORT |
| IWN · iShares Trust | 0.03% | 142,716 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 12,537 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.03% | 23,498 NS | May 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.02% | 389,206 SH | Aug. 8, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 12,217 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,218 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 6,173 NS | April 30, 2026 | N-PORT |
| GSSC · Goldman Sachs ETF Trust | 0.01% | 3,919 NS | May 31, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 673 NS | May 31, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 97,252 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 48,863 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 158,105 SH | Aug. 8, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 82,731 SH | Aug. 8, 2026 | Daily |
| UWM · ProShares Trust | 0.01% | 527 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 532 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 11,539 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 840 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 484 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 854 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 15,402 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 13 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 828 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,167 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,522 SH | Aug. 8, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 2,746 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 2,156 NS | May 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 3,519 NS | April 30, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 451,102 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,119 SH | Aug. 8, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 500 NS | April 30, 2026 | N-PORT |