COFS ChoiceOne Financial Services, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 10, 2026
$33.11
· of 52w range
· above low
· to high
$26.1052w low
$35.4052w high
Market Cap (MRQ)
$495M
P/E (TTM)
8.0
EPS (TTM)
$4.14
Revenue (TTM)
$240M
your badges
52W Range
$26–$35
Analyst Rating
BUY
Price Target
$37
P/E
8.0
ROE
12.0%
Net Profit Margin
22.8%
Your badge strip is empty — pin a metric anywhere on this page.
COFS Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$33.11
Market Cap (MRQ)
$495M
P/E (TTM)
8.0
EPS (TTM)
$4.14
Revenue (TTM)
$240M
Div Yield
3.4%
ROE (TTM)
12.0%
52W Range
$26–$35
COFS Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
Stock splits
| Ex-date | Split | Type |
|---|---|---|
| May 9, 2018 | 21-for-20 | Forward |
| May 8, 2017 | 21-for-20 | Forward |
| May 5, 2005 | 21-for-20 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$228M2022-12-31 → 2025-12-31
EPS$2.012021-12-31 → 2025-12-31
Free Cash Flow$25M2021-12-31 → 2025-12-31
Net margin22.8%2021-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | COFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 8.0 | · | 11.6 | Undervalued | |
| P/S (TTM) | 2.1 | · | 3.1 | Undervalued | |
| P/B (MRQ) | 1.0 | · | 1.2 | Undervalued | |
| Price / FCF (TTM) | 9.7 | · | · | · | |
| Price / Cash Flow (TTM) | 8.4 | · | 11.0 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.1 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | COFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 27.8% | · | 43.6% | Weak | |
| Net Profit Margin (TTM) | 22.8% | · | 35.0% | Weak | |
| ROA (TTM) | 1.2% | · | 0.98% | Weak | |
| ROE (TTM) | 12.0% | · | 8.7% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | COFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 63.6% | · | · | · | |
| Revenue CAGR 3Y | 36.7% | · | · | · | |
| EPS YoY | -38.1% | · | · | · | |
| Net Income YoY | 5.4% | · | · | · | |
| EPS CAGR 3Y | -13.9% | · | · | · | |
| EPS CAGR 5Y | -0.59% | · | · | · | |
| Net Income CAGR 3Y | 6.0% | · | · | · | |
| Net Income CAGR 5Y | 12.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | COFS | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | · | 0.0 | Top tier | |
| Revenue / Employee | ≈$394.5K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield3.4%
Payout Ratio60.2%
Annualized Payout≈$1.16
5Y Div CAGR≈7.0%
Growth Streak≈5
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 15, 2026 | $0.29 | USD | ≈3.4% |
| Jun 15, 2026 | $0.29 | USD | ≈3.6% |
| Mar 13, 2026 | $0.29 | USD | ≈4.2% |
| Dec 15, 2025 | $0.29 | USD | ≈3.5% |
| Sep 15, 2025 | $0.28 | USD | ≈3.7% |
| Jun 13, 2025 | $0.28 | USD | ≈3.9% |
| Mar 14, 2025 | $0.28 | USD | ≈3.8% |
| Dec 13, 2024 | $0.28 | USD | ≈3.0% |
| Sep 13, 2024 | $0.27 | USD | ≈3.6% |
| Jun 14, 2024 | $0.27 | USD | ≈4.2% |
| Mar 14, 2024 | $0.27 | USD | ≈4.0% |
| Dec 14, 2023 | $0.27 | USD | ≈3.6% |
| Sep 14, 2023 | $0.26 | USD | ≈4.5% |
| Jun 14, 2023 | $0.26 | USD | ≈4.3% |
| Mar 14, 2023 | $0.26 | USD | ≈3.9% |
| Dec 14, 2022 | $0.26 | USD | ≈4.1% |
| Sep 14, 2022 | $0.25 | USD | ≈4.7% |
| Jun 14, 2022 | $0.25 | USD | ≈5.0% |
| Mar 14, 2022 | $0.25 | USD | ≈3.8% |
| Dec 14, 2021 | $0.25 | USD | ≈3.7% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
5.2%
Next Report
Oct 22, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 23, 2026 | $0.83 | $0.90 | -7.5% |
| March 31, 2026 | $0.91 | $0.86 | 5.5% | |
| Dec. 31, 2025 | $0.92 | $0.92 | 0.03% | |
| Sept. 30, 2025 | $0.97 | $0.88 | 10.7% | |
| June 30, 2025 | $0.91 | $0.80 | 14.4% | |
| March 31, 2025 | $0.86 | $0.80 | 8.1% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| 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
| 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
| 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
| 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
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Book Value / Share | $31.02 | $29.05 | $25.92 | $22.47 | |
| Revenue / Share | $16.27 | $16.92 | $10.67 | $10.81 | |
| Cash Flow / Share | $2.27 | $5.92 | $6.14 | $5.98 | |
| Cash / Share | $5.87 | $10.79 | $7.34 | $5.85 | |
| Dividend / Share | $1.13 | $1.09 | $1.05 | $1.01 | |
| EPS (TTM) | $2.01 | $3.25 | $2.82 | $3.15 |
Growth Rates
| 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% | · | · | · | |
| Dividends Paid CAGR 5Y | 22.4% | · | · | · |
Valuation (TTM)
| 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
| 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 | · | 15,014,933 | 14,999,067 | 10,676,068 | · | 8,567,548 | 7,569,241 | 7,552,680 | · | 7,537,996 | 7,529,177 | 7,519,282 | · | 7,507,538 | |
| Shares (Diluted) | 15,006,518 | 15,041,910 | · | 15,061,155 | 15,035,113 | 10,740,084 | · | 8,615,817 | 7,604,963 | 7,600,016 | · | 7,568,034 | 7,551,897 | 7,552,329 | · | 7,520,358 |
Balance Sheet
| 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
| 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 | · | · | · | · | · | · | |
| 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 | · | · | · | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $5M | · | · | · | · | · | · |
Profitability
| 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% | · | · | · | 200.2% | |
| Pretax Margin | 36.1% | 28.2% | · | 41.0% | 38.9% | -39.2% | · | 276.7% | 257.8% | 230.7% | · | 211.2% | · | · | · | 236.6% | |
| ROA | 0.28% | 0.32% | · | 0.42% | 0.39% | -0.40% | · | 0.28% | 0.26% | 0.22% | · | 0.21% | · | · | · | 0.25% | |
| ROE | 2.7% | 3.1% | · | 4.2% | 4.2% | -4.4% | · | 3.4% | 3.4% | 3.0% | · | 3.0% | · | · | · | 3.0% |
Efficiency
| 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 |
Per Share
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $32.29 | $31.42 | · | $29.94 | $28.77 | $28.52 | · | $27.65 | $28.32 | $27.36 | · | $24.02 | · | · | · | $20.86 | |
| Revenue / Share | $2.77 | $3.93 | · | $2.97 | $2.85 | $4.18 | · | $0.39 | $0.42 | $0.39 | · | $0.39 | · | · | · | $0.39 | |
| Cash Flow / Share | · | $-0.01 | · | · | · | $-0.60 | · | · | · | $2.02 | · | · | · | · | · | · | |
| Cash / Share | $5.93 | $5.63 | · | $6.59 | $10.41 | $9.31 | · | $16.29 | $13.34 | $19.87 | · | $19.18 | · | · | · | $6.86 | |
| Dividend / Share | $0.29 | $0.29 | $0.29 | $0.28 | $0.28 | $0.28 | $0.28 | $0.27 | $0.27 | $0.27 | $0.27 | $0.26 | $0.26 | $0.26 | $0.26 | $0.25 | |
| EPS (TTM) | $4.14 | $4.21 | · | $1.37 | $1.25 | $1.22 | · | $3.16 | $2.99 | $2.81 | · | $3.01 | $3.10 | $3.16 | · | $2.92 |
Valuation (TTM)
| 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 | $240M | $242M | · | $267M | $209M | $151M | · | $144M | $144M | $144M | · | $89M | $89M | $89M | · | · | |
| Net Income TTM | $55M | $56M | · | $21M | $14M | $7M | · | $25M | $23M | $21M | · | $23M | $23M | $24M | · | $22M | |
| Market Cap | $508M | $421M | · | $435M | $431M | $431M | · | $277M | $217M | $207M | · | $148M | · | · | · | $163M | |
| P/E | 8.2 | 6.7 | · | 21.1 | 23.0 | 23.6 | · | 9.8 | 9.6 | 9.7 | · | 6.5 | 7.4 | 8.0 | · | 7.4 | |
| P/S | 2.1 | 1.7 | · | 1.6 | 2.1 | 2.8 | · | 1.9 | 1.5 | 1.4 | · | 1.7 | · | · | · | · | |
| P/B | 1.1 | 0.9 | · | 1.0 | 1.0 | 1.0 | · | 1.1 | 1.0 | 1.0 | · | 0.8 | · | · | · | 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 | · | · | · | · | · | · | |
| Dividend Yield | 3.4% | 4.1% | · | 3.5% | 3.1% | 2.6% | · | 3.1% | 3.7% | 3.9% | · | 5.3% | · | · | · | 4.6% | |
| Earnings Yield | 12.2% | 15.0% | · | 4.7% | 4.4% | 4.2% | · | 10.2% | 10.4% | 10.3% | · | 15.3% | 13.5% | 12.5% | · | 13.4% | |
| Payout Ratio | · | 31.6% | · | · | · | -30.1% | · | · | · | 36.2% | · | · | · | · | · | · | |
| Annual Payout | $17M | $17M | · | $15M | $13M | $11M | · | $9M | $8M | $8M | · | $8M | $8M | $8M | · | $8M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 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 | · |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Free Cash Flow | $25M | · | · | $47M | · |
Institutional owners (13F) 129 filers · $259.6M 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.
Holders
129
Value held
$259.6M
New positions
25
Exited positions
15
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 25 (+2 vs prior Q) | 15 (+4 vs prior Q) | 51 (+12 vs prior Q) | 22 (-10 vs prior Q) | +224K |
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 |
|---|---|---|---|---|
| BlackRock, Inc. | $36,956,504 | 1,086,956 | 14.24% | Shares |
| VANGUARD GROUP INC | $23,857,709 | 808,188 | 9.19% | Shares |
| NORTHERN TRUST CORP | $22,989,882 | 676,173 | 8.86% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $21,225,316 | 624,274 | 8.18% | Shares |
| STATE STREET CORP | $15,213,028 | 447,442 | 5.86% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $12,952,933 | 380,890 | 4.99% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,814,016 | 288,653 | 3.78% | Shares |
| ALLIANCEBERNSTEIN L.P. | $9,634,896 | 342,635 | 3.71% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,727,520 | 227,280 | 2.98% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $7,466,468 | 219,602 | 2.88% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $6,995,110 | 205,739 | 2.70% | Shares |
| GOLDMAN SACHS GROUP INC | $6,771,916 | 199,174 | 2.61% | Shares |
| AMERICAN CENTURY COMPANIES INC | $6,551,426 | 192,689 | 2.52% | Shares |
| GENDELL JEFFREY L | $5,050,632 | 148,548 | 1.95% | Shares |
| MORGAN STANLEY | $3,760,416 | 110,600 | 1.45% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,464,940 | 101,910 | 1.33% | Shares |
| MARSHALL WACE, LLP | $3,427,302 | 100,803 | 1.32% | Shares |
| Nuveen, LLC | $3,154,486 | 92,779 | 1.22% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,143,674 | 92,461 | 1.21% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,007,606 | 88,459 | 1.16% | Shares |
| SEGALL BRYANT & HAMILL, LLC | $2,973,844 | 87,466 | 1.15% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,540,106 | 74,709 | 0.98% | Shares |
| Bank of New York Mellon Corp | $2,215,751 | 65,169 | 0.85% | Shares |
| LPL Financial LLC | $1,784,743 | 52,492 | 0.69% | Shares |
| FIRST TRUST ADVISORS LP | $1,738,352 | 51,128 | 0.67% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,660,661 | 48,843 | 0.64% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,650,700 | 48,550 | 0.64% | Shares |
| Empowered Funds, LLC | $1,571,106 | 46,209 | 0.61% | Shares |
| BROWN BROTHERS HARRIMAN & CO | $1,556,758 | 45,787 | 0.60% | Shares |
| JPMORGAN CHASE & CO | $1,500,336 | 44,310 | 0.58% | Shares |
| D. E. Shaw & Co., Inc. | $1,482,332 | 43,598 | 0.57% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,434,324 | 42,186 | 0.55% | Shares |
| UBS Group AG | $1,199,044 | 35,266 | 0.46% | Shares |
| Cerity Partners LLC | $1,037,340 | 30,510 | 0.40% | Shares |
| Quantinno Capital Management LP | $972,400 | 28,600 | 0.37% | Shares |
| Shakespeare Wealth Management, LLC | $924,732 | 27,198 | 0.36% | Shares |
| BARCLAYS PLC | $921,536 | 27,104 | 0.36% | Shares |
| TWO SIGMA ADVISERS, LP | $885,187 | 29,986 | 0.34% | Shares |
| HSBC HOLDINGS PLC | $845,021 | 25,127 | 0.33% | Shares |
| HBW ADVISORY SERVICES LLC | $842,486 | 24,779 | 0.32% | Shares |
| STRS OHIO | $734,400 | 21,600 | 0.28% | Shares |
| Point72 Asset Management, L.P. | $713,796 | 20,994 | 0.28% | Shares |
| AMERIPRISE FINANCIAL INC | $707,880 | 20,820 | 0.27% | Shares |
| Invesco Ltd. | $693,906 | 20,409 | 0.27% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $657,322 | 19,333 | 0.25% | Shares |
| Creative Planning | $640,356 | 18,834 | 0.25% | Shares |
| HighTower Advisors, LLC | $630,802 | 18,553 | 0.24% | Shares |
| RHUMBLINE ADVISERS | $618,460 | 18,190 | 0.24% | Shares |
| CITIGROUP INC | $476,068 | 14,002 | 0.18% | Shares |
| DEUTSCHE BANK AG\ | $469,676 | 13,814 | 0.18% | 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 | Oct. 1, 2026 A | 18,113 | 0 | 0 | $0 |
| Curt E Coulter | Director | Oct. 1, 2026 A | 11,365 | 0 | 0 | $0 |
| Michelle M Wendling | Director | Oct. 1, 2026 A | 7,690 | 0 | 0 | $0 |
| Harold J Burns | Director | Oct. 1, 2026 A | 26,740 | 0 | 0 | $0 |
| Eric E Burrough | Director | Oct. 1, 2026 A | 181,991 | 2 | 0 | $280,000 |
| Gregory A Mcconnell | Director | Oct. 1, 2026 A | 37,659 | 3 | 0 | $74,342 |
| Bradley F. Mcginnis | Director | Oct. 1, 2026 A | 14,733 | 1 | 0 | $29,150 |
| Greg L. Armock | Director | Oct. 1, 2026 A | 47,142 | 0 | 0 | $0 |
| Keith D. Brophy | Director | Oct. 1, 2026 A | 13,919 | 0 | 0 | $0 |
| Randy D Hicks | Director | Oct. 1, 2026 A | 100,530 | 0 | 0 | $0 |
| Roxanne M Page | Director | Oct. 1, 2026 A | 7,535 | 0 | 0 | $0 |
| Bruce John Essex Jr | Director | Oct. 1, 2026 A | 250,716 | 0 | 0 | $0 |
| Brian P Petty | Director | Oct. 1, 2026 A | 92,701 | 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 23 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 |
|---|---|---|---|---|
| IWC · iShares Trust | 0.12% | 49,638 SH | Sept. 11, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.05% | 6,476 NS | July 31, 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0.04% | 151 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 12,537 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 389,998 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 6,856 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 1,212 SH | Oct. 1, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 12,239 SH | Oct. 1, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 48,863 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 24,281 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 158,105 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 82,731 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.00% | 18,935 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 484 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 828 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,167 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,582 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 2,746 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 3,519 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 451,102 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,119 SH | Aug. 19, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 500 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 143,266 SH | Sept. 11, 2026 | Daily |
COFS Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$38.00
+14.8%
2 22.2%
Strong Buy
5 55.6%
Buy
2 22.2%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
3 analysts · 2026-10-01Mean target $37.00 +11.7%
← Below all targets
Current price $33.11
Low$35.00
Mean$37.00
High$38.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| COFS | $443M | 14.7 | 63.6% | 12.4% | 6.3% | · |
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | · |
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | · |
| PBAM | · | · | · | · | · | · |
| PDLB | $395M | 13.6 | 30.5% | 26.3% | 5.4% | · |
| FMAO | $340M | 10.2 | 19.6% | 27.4% | 9.2% | · |
| WTBA | $376M | 11.6 | 19.4% | 34.2% | 12.8% | · |
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | · |
| BMRC | $419M | -11.6 | -58.1% | -121.4% | -8.6% | · |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | · |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 10, 2026