COFS ChoiceOne Financial Services, Inc. - Common Stock
$34,12
Precio · Ago 18, 2026
Fundamentales a fecha de Ago 10, 2026
Rango 52S
$26–$35
86% of range
Calificación del Analista
BUY
9 analysts
Precio Objetivo
$37
+8% upside
P/E (TTM)
17.0
ROE
6.3%
Margen de Beneficio Neto
12.4%
COFS Instantánea de la Acción Precio, capitalización bursátil, P/E, BPA, ROE, deuda/capital, rango de 52 semanas
Precio
$34.12
Capitalización Bursátil
$512M
P/E (TTM)
17.0
BPA (TTM)
$2.01
Ingresos (TTM)
$228M
Rendimiento div.
3.3%
ROE
6.3%
Deuda/Capital
—
Rango 52S
$26 – $35
COFS Gráfico del Precio de la Acción OHLCV diario con indicadores técnicos — desplace, amplíe y personalice su vista
Configure
Rendimiento a 10 años Tendencias de ingresos, beneficio neto, márgenes y BPA
Ingresos y Beneficio Neto
$228M
2022-12-31
→
2025-12-31
BPA
$2.01
2021-12-31
→
2025-12-31
Flujo de caja libre
$25M
2021-12-31
→
2025-12-31
Márgenes
12.4%
Valoración Ratios P/E, P/S, P/B, EV/EBITDA: ¿está la acción cara o barata?
Métrica
Tendencia a 5 años
COFS
Mediana de Pares
P/E (TTM)
17.0
11.6
P/S (TTM) (P/V (TTM))
2.2
2.5
P/B (P/C)
1.1
1.0
Price / FCF (Precio / FCF)
20.3
—
Rentabilidad Márgenes brutos, operativos y netos; ROE, ROA, ROIC
Métrica
Tendencia a 5 años
COFS
Mediana de Pares
Net Profit Margin (Margen de Beneficio Neto)
12.4%
27.9%
ROA
0.79%
1.1%
ROE
6.3%
10.1%
Salud financiera Deuda, liquidez, solvencia — solidez del balance general
Métrica
Tendencia a 5 años
COFS
Mediana de Pares
Crecimiento Crecimiento de ingresos, BPA y beneficio neto: interanual, CAGR a 3 años, CAGR a 5 años
Métrica
Tendencia a 5 años
COFS
Mediana de Pares
Revenue YoY (Ingresos interanuales)
63.6%
—
Revenue CAGR 3Y (Ingresos CAGR 3A)
36.7%
—
EPS YoY (EPS interanual)
-38.1%
—
Net Income YoY (Beneficio Neto interanual)
5.4%
—
Eficiencia de capital Rotación de activos, rotación de inventario, rotación de cuentas por cobrar
Métrica
Tendencia a 5 años
COFS
Mediana de Pares
Payout Ratio (Ratio de Pago)
60.2%
—
Dividendos Rendimiento, ratio de pago, historial de dividendos, CAGR a 5 años
Rendimiento por Dividendo
3.3%
Ratio de Pago
60.2%
CAGR de Dividendos a 5 años
—
| Fecha ex-dividendo | Monto |
|---|---|
| 15 de junio de 2026 | $0,2900 |
| 13 de marzo de 2026 | $0,2900 |
| 15 de diciembre de 2025 | $0,2900 |
| 15 de septiembre de 2025 | $0,2800 |
| 13 de junio de 2025 | $0,2800 |
| 14 de marzo de 2025 | $0,2800 |
| 13 de diciembre de 2024 | $0,2800 |
| 13 de septiembre de 2024 | $0,2700 |
| 14 de junio de 2024 | $0,2700 |
| 14 de marzo de 2024 | $0,2700 |
| 14 de diciembre de 2023 | $0,2700 |
| 14 de septiembre de 2023 | $0,2600 |
| 14 de junio de 2023 | $0,2600 |
| 14 de marzo de 2023 | $0,2600 |
| 14 de diciembre de 2022 | $0,2600 |
| 14 de septiembre de 2022 | $0,2500 |
| 14 de junio de 2022 | $0,2500 |
| 14 de marzo de 2022 | $0,2500 |
| 14 de diciembre de 2021 | $0,2500 |
| 14 de septiembre de 2021 | $0,2500 |
COFS Consenso de analistas Opiniones de analistas alcistas y bajistas, precio objetivo a 12 meses, potencial alcista
COMPRA
9 analistas
- Compra fuerte 2 22,2%
- Compra 5 55,6%
- Mantener 2 22,2%
- Venta 0 0,0%
- Venta fuerte 0 0,0%
Precio objetivo a 12 meses
3 analistas · 2026-08-13
Mediana
$38.00
Media
$37.00
← Por Debajo de Todos los Objetivos
$34.12
Mín
$35.00
Máx
$38.00
Objetivo mediano
$38.00
+11,4%
Objetivo medio
$37.00
+8,4%
Historial de Ganancias EPS real vs estimado, sorpresa %, tasa de aciertos, próxima fecha de resultados
Sorpresa Media
0.04%
| Período | EPS Actual | EPS est. | Sorpresa |
|---|---|---|---|
| 30 de junio de 2026 | $0.83 | $0.90 | -0.07% |
| 31 de marzo de 2026 | $0.91 | $0.86 | 0.05% |
| 31 de diciembre de 2025 | $0.92 | $0.92 | 0.00% |
| 30 de septiembre de 2025 | $0.97 | $0.88 | 0.09% |
| 30 de junio de 2025 | $0.91 | $0.80 | 0.11% |
| 31 de marzo de 2025 | $0.86 | $0.80 | 0.06% |
Comparación de pares (subindustria GICS) Métricas clave frente a competidores del sector
| Ticker | Capitalización Bursátil | P/E | Ingresos interanuales | Margen Neto | ROE | Margen Bruto |
|---|---|---|---|---|---|---|
| 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% | — |
Fundamentales Completos Todas las métricas por año — estado de resultados, balance general, flujo de caja
Estado de resultados 10
| Métrica | Tendencia | 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 general 13
| Métrica | Tendencia | 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 |
Flujo de Efectivo 17
| Métrica | Tendencia | 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 |
Rentabilidad 4
| Métrica | Tendencia | 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% |
Eficiencia 1
| Métrica | Tendencia | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 |
Tasas de Crecimiento 9
| Métrica | Tendencia | 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% | · | · | · |
Valoración (TTM) 13
| Métrica | Tendencia | 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 |
Estado de resultados 10
| Métrica | Tendencia | 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 general 13
| Métrica | Tendencia | 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 |
Flujo de Efectivo 14
| Métrica | Tendencia | 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 | · | · |
Rentabilidad 4
| Métrica | Tendencia | 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% |
Eficiencia 1
| Métrica | Tendencia | 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 |
Valoración (TTM) 11
| Métrica | Tendencia | 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% | · | · |
Estados Financieros Estado de resultados, balance general, flujo de caja — anual, últimos 5 años
Estado de resultados
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Ingresos | $228M | — | — | $139M | — |
| Beneficio neto | $28M | — | — | $27M | — |
| EPS Diluido | $2.01 | — | — | $3.25 | — |
Flujo de Efectivo
| 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | |
|---|---|---|---|---|---|
| Flujo de caja libre | $25M | — | — | $47M | — |
Señales de trading Señales recientes de compra/venta con precio de entrada y ratio riesgo/recompensa
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Propietarios institucionales (13F) 131 declarantes · $172.0M total · A fecha de 30 de junio de 2026
Instituciones que informan tener esta acción en su Formulario 13F trimestral de la SEC. Solo posiciones largas; un solo presentador puede aparecer dos veces para tramos de opciones separados. Las patas de put/call de compensación grandes suelen reflejar la creación de mercado o el inventario cubierto, no la convicción direccional.
Actividad institucional — Q2 2026 vs trimestre anterior
| Nuevas posiciones | Posiciones cerradas | Aumentado | Disminuido | Cambio neto de acciones |
|---|---|---|---|---|
| 30 (+11 vs trimestre anterior) | 15 (+4 vs trimestre anterior) | 45 (+6 vs trimestre anterior) | 23 (-9 vs trimestre anterior) | +647K |
Comparado con Q1 2026. Las presentaciones del Formulario 13F de la SEC vencen dentro de los 45 días posteriores al final del trimestre, más un pequeño margen para los presentadores tardíos; los trimestres que aún se encuentran dentro de esa ventana se omiten en favor del par más reciente completamente reportado.
| Institución | Valor | Acciones | % de 13F rastreadas | Tipo |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $21 225 316 | 624 274 | 12,34% | Acciones |
| VANGUARD GROUP INC | $20 924 278 | 708 817 | 12,16% | Acciones |
| STATE STREET CORP | $15 213 028 | 447 442 | 8,84% | Acciones |
| GEODE CAPITAL MANAGEMENT, LLC | $11 171 265 | 328 488 | 6,49% | Acciones |
| ALLIANCEBERNSTEIN L.P. | $9 634 896 | 342 635 | 5,60% | Acciones |
| DIMENSIONAL FUND ADVISORS LP | $9 248 646 | 272 019 | 5,38% | Acciones |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7 727 520 | 227 280 | 4,49% | Acciones |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $7 466 468 | 219 602 | 4,34% | Acciones |
| AMERICAN CENTURY COMPANIES INC | $6 551 426 | 192 689 | 3,81% | Acciones |
| GENDELL JEFFREY L | $5 050 632 | 148 548 | 2,94% | Acciones |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3 464 940 | 101 910 | 2,01% | Acciones |
| VANGUARD FIDUCIARY TRUST CO | $3 143 674 | 92 461 | 1,83% | Acciones |
| TWO SIGMA INVESTMENTS, LP | $3 007 606 | 88 459 | 1,75% | Acciones |
| SEGALL BRYANT & HAMILL, LLC | $2 973 844 | 87 466 | 1,73% | Acciones |
| GOLDMAN SACHS GROUP INC | $2 954 668 | 86 902 | 1,72% | Acciones |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2 540 106 | 74 709 | 1,48% | Acciones |
| BlackRock, Inc. | $2 240 906 | 65 909 | 1,30% | Acciones |
| LPL Financial LLC | $1 784 743 | 52 492 | 1,04% | Acciones |
| FIRST TRUST ADVISORS LP | $1 738 352 | 51 128 | 1,01% | Acciones |
| BANK OF AMERICA CORP /DE/ | $1 650 700 | 48 550 | 0,96% | Acciones |
| Empowered Funds, LLC | $1 571 106 | 46 209 | 0,91% | Acciones |
| MARSHALL WACE, LLP | $1 560 804 | 45 906 | 0,91% | Acciones |
| BROWN BROTHERS HARRIMAN & CO | $1 556 758 | 45 787 | 0,91% | Acciones |
| D. E. Shaw & Co., Inc. | $1 482 332 | 43 598 | 0,86% | Acciones |
| Bank of New York Mellon Corp | $1 449 794 | 42 641 | 0,84% | Acciones |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1 434 324 | 42 186 | 0,83% | Acciones |
| RAYMOND JAMES FINANCIAL INC | $1 400 527 | 41 192 | 0,81% | Acciones |
| JPMORGAN CHASE & CO | $1 069 231 | 31 578 | 0,62% | Acciones |
| Quantinno Capital Management LP | $972 400 | 28 600 | 0,57% | Acciones |
| Shakespeare Wealth Management, LLC | $924 732 | 27 198 | 0,54% | Acciones |
| TWO SIGMA ADVISERS, LP | $885 187 | 29 986 | 0,51% | Acciones |
| HSBC HOLDINGS PLC | $845 021 | 25 127 | 0,49% | Acciones |
| HBW ADVISORY SERVICES LLC | $842 486 | 24 779 | 0,49% | Acciones |
| BARCLAYS PLC | $744 736 | 21 904 | 0,43% | Acciones |
| STRS OHIO | $734 400 | 21 600 | 0,43% | Acciones |
| Point72 Asset Management, L.P. | $713 796 | 20 994 | 0,41% | Acciones |
| AMERIPRISE FINANCIAL INC | $707 880 | 20 820 | 0,41% | Acciones |
| BNP PARIBAS FINANCIAL MARKETS | $657 322 | 19 333 | 0,38% | Acciones |
| HighTower Advisors, LLC | $630 802 | 18 553 | 0,37% | Acciones |
| RHUMBLINE ADVISERS | $618 460 | 18 190 | 0,36% | Acciones |
| DEUTSCHE BANK AG\ | $469 676 | 13 814 | 0,27% | Acciones |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $467 398 | 13 747 | 0,27% | Acciones |
| Connor, Clark & Lunn Investment Management Ltd. | $444 992 | 13 088 | 0,26% | Acciones |
| XTX Topco Ltd | $439 280 | 12 920 | 0,26% | Acciones |
| BLAIR WILLIAM & CO/IL | $428 026 | 12 589 | 0,25% | Acciones |
| WELLS FARGO & COMPANY/MN | $409 496 | 12 044 | 0,24% | Acciones |
| SEI INVESTMENTS CO | $404 328 | 11 892 | 0,24% | Acciones |
| Numerai GP LLC | $363 732 | 10 698 | 0,21% | Acciones |
| Vanguard Global Advisers, LLC | $361 148 | 10 622 | 0,21% | Acciones |
| IEQ CAPITAL, LLC | $360 130 | 10 592 | 0,21% | Acciones |
| Trexquant Investment LP | $348 194 | 10 241 | 0,20% | Acciones |
| Gradient Investments LLC | $316 812 | 9 318 | 0,18% | Acciones |
| PRUDENTIAL FINANCIAL INC | $306 850 | 9 025 | 0,18% | Acciones |
| MetLife Investment Management, LLC | $294 610 | 8 665 | 0,17% | Acciones |
| Sterling Capital Management LLC | $283 900 | 8 350 | 0,17% | Acciones |
| MERCER GLOBAL ADVISORS INC /ADV | $283 599 | 8 341 | 0,16% | Acciones |
| UBS Group AG | $280 908 | 8 262 | 0,16% | Acciones |
| Capstone Financial Advisors, Inc. | $275 400 | 8 100 | 0,16% | Acciones |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $270 028 | 7 942 | 0,16% | Acciones |
| COMMONWEALTH EQUITY SERVICES, LLC | $263 120 | 7 739 | 0,15% | Acciones |
| Mutual Advisors, LLC | $259 522 | 7 633 | 0,15% | Acciones |
| Semanteon Capital Management, LP | $249 254 | 7 331 | 0,14% | Acciones |
| Mariner, LLC | $248 974 | 7 323 | 0,14% | Acciones |
| Russell Investments Group, Ltd. | $243 066 | 7 149 | 0,14% | Acciones |
| Sequoia Financial Advisors, LLC | $242 148 | 7 122 | 0,14% | Acciones |
| CWM, LLC | $241 720 | 8 596 | 0,14% | Acciones |
| Meridian Financial Partners LLC | $239 115 | 7 125 | 0,14% | Acciones |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $225 114 | 6 621 | 0,13% | Acciones |
| Centiva Capital, LP | $223 040 | 6 560 | 0,13% | Acciones |
| Odyssean, LLC | $212 806 | 6 259 | 0,12% | Acciones |
| STIFEL FINANCIAL CORP | $210 426 | 6 189 | 0,12% | Acciones |
| Rafferty Asset Management, LLC | $207 094 | 6 091 | 0,12% | Acciones |
| Invesco Ltd. | $191 556 | 5 634 | 0,11% | Acciones |
| OSAIC HOLDINGS, INC. | $187 442 | 5 513 | 0,11% | Acciones |
| Police & Firemen's Retirement System of New Jersey | $167 416 | 4 924 | 0,10% | Acciones |
| Nuveen, LLC | $149 328 | 4 392 | 0,09% | Acciones |
| NEW YORK STATE COMMON RETIREMENT FUND | $144 806 | 4 259 | 0,08% | Acciones |
| AlphaQuest LLC | $135 231 | 4 581 | 0,08% | Acciones |
| NORTHERN TRUST CORP | $77 180 | 2 270 | 0,04% | Acciones |
| Legal & General Group Plc | $49 300 | 1 450 | 0,03% | Acciones |
| Tower Research Capital LLC (TRC) | $48 110 | 1 415 | 0,03% | Acciones |
| Ameritas Investment Partners, Inc. | $39 474 | 1 161 | 0,02% | Acciones |
| Cerity Partners LLC | $37 128 | 1 092 | 0,02% | Acciones |
| CITIGROUP INC | $36 720 | 1 080 | 0,02% | Acciones |
| JONES FINANCIAL COMPANIES LLLP | $36 267 | 1 103 | 0,02% | Acciones |
| Nuveen Asset Management, LLC | $32 646 | 916 | 0,02% | Acciones |
| MORGAN STANLEY | $30 294 | 891 | 0,02% | Acciones |
| Arax Advisory Partners | $30 260 | 890 | 0,02% | Acciones |
| HARBOUR INVESTMENTS, INC. | $26 350 | 775 | 0,02% | Acciones |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $21 765 | 774 | 0,01% | Acciones |
| Trust Co | $18 981 | 675 | 0,01% | Acciones |
| FIFTH THIRD BANCORP | $18 734 | 551 | 0,01% | Acciones |
| FMR LLC | $17 374 | 511 | 0,01% | Acciones |
| Cranbrook Wealth Management, LLC | $14 756 | 434 | 0,01% | Acciones |
| Allworth Financial LP | $14 688 | 432 | 0,01% | Acciones |
| ROYAL BANK OF CANADA | $14 000 | 421 | 0,01% | Acciones |
| Integrated Wealth Concepts LLC | $12 954 | 381 | 0,01% | Acciones |
| Rockefeller Capital Management L.P. | $11 560 | 340 | 0,01% | Acciones |
| Creative Planning | $10 336 | 304 | 0,01% | Acciones |
| Spire Wealth Management | $6 980 | 205 | 0,00% | Acciones |
Informantes de la empresa 50 insiders · 15 directivos · 36 consejeros
| Insider | Rol | Última actividad | Acciones en propiedad | Compras 12m | Ventas 12m | Neto 12m |
|---|---|---|---|---|---|---|
| Kelly Potes | Chief Executive Officer | 30 de abril de 2026 A | 47 256 | 0 | 0 | $0 |
| Michael J Burke Jr | President | 30 de abril de 2026 A | 13 512 | 1 | 0 | $7 145 |
| Adom Greenland | Secretary | 30 de abril de 2026 A | 17 800 | 1 | 0 | $13 700 |
| Bradley Henion | E.V.P. - ChoiceOne Bank (Sub.) | 30 de abril de 2026 A | 6 313 | 0 | 0 | $0 |
| Robert M Jamula | S.V.P. - ChoiceOne Bank (Sub) | 15 de febrero de 2022 A | 234 | 0 | 0 | $0 |
| Shelly M Childers | S.V.P. - ChoiceOne Bank (Sub.) | 15 de febrero de 2022 A | 950 | 0 | 0 | $0 |
| Peter Batistoni | S.V.P. - ChoiceOne Bank (Sub.) | 15 de febrero de 2022 A | 1 115 | 0 | 0 | $0 |
| Heather D Brolick | S.V.P. - ChoiceOne Bank (Sub.) | 15 de febrero de 2022 A | 4 094 | 0 | 0 | $0 |
| Lee A Braford | S.V.P. - ChoiceOne Bank (Sub.) | 10 de noviembre de 2021 S | 0 | 0 | 0 | $0 |
| Steven M Devolder | S.V.P. - ChoiceOne Bank (Sub.) | 15 de marzo de 2021 A | 414 | 0 | 0 | $0 |
| Mary J Johnson | Secretary | 1 de octubre de 2019 F | 18 691 | 0 | 0 | $0 |
| Sheila R Clark | S.V.P. - ChoiceOne Bank (Sub.) | 2 de enero de 2019 F | 20 986 | 0 | 0 | $0 |
| KNOOIHUIZEN LOUIS D | S.V.P - ChoiceOne Bank (Sub.) | 3 de octubre de 2016 F | 3 992 | 0 | 0 | $0 |
| Linda R Pitsch | Secretary | 1 de febrero de 2011 D | 3 996 | 0 | 0 | $0 |
| Michael E Mchugh | Senior Vice President | 24 de enero de 2008 A | — | 0 | 0 | $0 |
| Steven Theodore Krause | Consejero | 1 de julio de 2026 A | 17 528 | 0 | 0 | $0 |
| Curt E Coulter | Consejero | 1 de julio de 2026 A | 11 060 | 0 | 0 | $0 |
| Michelle M Wendling | Consejero | 1 de julio de 2026 A | 7 477 | 0 | 0 | $0 |
| Harold J Burns | Consejero | 1 de julio de 2026 A | 26 070 | 0 | 0 | $0 |
| Eric E Burrough | Consejero | 1 de julio de 2026 A | 181 477 | 2 | 0 | $280 000 |
| Gregory A Mcconnell | Consejero | 1 de julio de 2026 A | 37 446 | 3 | 0 | $74 342 |
| Bradley F. Mcginnis | Consejero | 1 de julio de 2026 A | 14 219 | 1 | 0 | $29 150 |
| Greg L. Armock | Consejero | 1 de julio de 2026 A | 46 370 | 0 | 0 | $0 |
| Keith D. Brophy | Consejero | 1 de julio de 2026 A | 13 444 | 0 | 0 | $0 |
| Randy D Hicks | Consejero | 1 de julio de 2026 A | 100 015 | 0 | 0 | $0 |
| Roxanne M Page | Consejero | 1 de julio de 2026 A | 7 322 | 0 | 0 | $0 |
| Bruce John Essex Jr | Consejero | 1 de julio de 2026 A | 250 503 | 0 | 0 | $0 |
| Brian P Petty | Consejero | 1 de julio de 2026 A | 92 187 | 0 | 1 | $-443 400 |
| Jack Hendon | Consejero | 1 de julio de 2025 A | 9 098 | 0 | 0 | $0 |
| David J Churchill | Consejero | 1 de octubre de 2023 A | 3 104 | 0 | 0 | $0 |
| Nels W Nyblad | Consejero | 1 de abril de 2023 A | 23 668 | 0 | 0 | $0 |
| Patrick Cronin | Consejero | 1 de julio de 2022 A | 1 068 | 0 | 0 | $0 |
| David Bush | Consejero | 1 de julio de 2022 A | 108 985 | 0 | 0 | $0 |
| Bruce Cady | Consejero | 1 de abril de 2022 A | 943 | 0 | 0 | $0 |
| Paul L Johnson | Consejero | 1 de octubre de 2021 A | 53 394 | 0 | 0 | $0 |
| James A Bosserd | Consejero | 1 de julio de 2021 A | 14 327 | 0 | 0 | $0 |
| Raymond A. Lanning | Consejero | 23 de enero de 2019 A | 41 626 | 0 | 0 | $0 |
| William F Cutler JR | Consejero | 26 de julio de 2017 A | 67 234 | 0 | 0 | $0 |
| Timothy K Bull | Consejero | 14 de noviembre de 2016 P | 64 575 | 0 | 0 | $0 |
| Frank G Berris | Consejero | 4 de noviembre de 2016 P | 3 932 | 0 | 0 | $0 |
| Stuart Goodfellow | Consejero | 23 de octubre de 2013 A | 71 520 | 0 | 0 | $0 |
| Dennis C Nelson | Consejero | 1 de agosto de 2013 S | 5 202 | 0 | 0 | $0 |
| Jerome B Arends | Consejero | 19 de noviembre de 2012 P | 24 619 | 0 | 0 | $0 |
| Donald Vansingel | Consejero | 1 de noviembre de 2012 P | 3 980 | 0 | 0 | $0 |
| Jon E Pike | Consejero | 27 de enero de 2011 A | 40 232 | 0 | 0 | $0 |
| Robert C Humphreys | Consejero | 22 de mayo de 2008 A | 123 596 | 0 | 0 | $0 |
| Andrew W Zamiara | Consejero | 31 de octubre de 2007 A | 11 407 | 0 | 0 | $0 |
| Richard L Edgar | Consejero | 28 de diciembre de 2006 G | 17 287 | 0 | 0 | $0 |
| Bruce A Johnson | Consejero | 18 de octubre de 2006 A | 8 051 | 0 | 0 | $0 |
| Thomas L Lampen | — | 15 de marzo de 2021 A | 14 586 | 0 | 0 | $0 |
Informantes de las presentaciones SEC Form 3/4/5; neto = solo P/S de mercado abierto
Propiedad de ETFs Mantenido por 33 ETFs
El peso refleja solo las tenencias directas de acciones (N-PORT); los fondos apalancados o basados en derivados pueden tener exposición adicional a swaps no mostrada.
| Fondo | Ponderación | Unidades | A fecha de | Fuente |
|---|---|---|---|---|
| SMDV · ProShares Trust | 1,06% | 220 846 NS | 31 de mayo de 2026 | N-PORT |
| IWC · iShares Trust | 0,11% | 49 384 SH | 8 de agosto de 2026 | Diario |
| EBIT · Harbor ETF Trust | 0,04% | 153 NS | 30 de abril de 2026 | N-PORT |
| IWN · iShares Trust | 0,03% | 142 716 SH | 8 de agosto de 2026 | Diario |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0,03% | 12 537 SH | 8 de agosto de 2026 | Diario |
| AVSC · AMERICAN CENTURY ETF TRUST | 0,03% | 23 498 NS | 31 de mayo de 2026 | N-PORT |
| IWM · iShares Trust | 0,02% | 389 206 SH | 8 de agosto de 2026 | Diario |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,01% | 12 217 SH | 8 de agosto de 2026 | Diario |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,01% | 1 218 SH | 8 de agosto de 2026 | Diario |
| RSSL · Global X Funds | 0,01% | 6 173 NS | 30 de abril de 2026 | N-PORT |
| GSSC · Goldman Sachs ETF Trust | 0,01% | 3 919 NS | 31 de mayo de 2026 | N-PORT |
| ITWO · ProShares Trust | 0,01% | 673 NS | 31 de mayo de 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0,01% | 97 252 NS | 31 de mayo de 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0,01% | 48 863 NS | 30 de abril de 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0,01% | 158 105 SH | 8 de agosto de 2026 | Diario |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,01% | 82 731 SH | 8 de agosto de 2026 | Diario |
| UWM · ProShares Trust | 0,01% | 527 NS | 31 de mayo de 2026 | N-PORT |
| URTY · ProShares Trust | 0,00% | 532 NS | 31 de mayo de 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0,00% | 11 539 NS | 30 de abril de 2026 | N-PORT |
| EBI · RBB Fund Trust | 0,00% | 840 NS | 31 de mayo de 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0,00% | 484 NS | 30 de abril de 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0,00% | 854 NS | 31 de mayo de 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0,00% | 15 402 NS | 30 de abril de 2026 | N-PORT |
| HDG · ProShares Trust | 0,00% | 13 NS | 31 de mayo de 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0,00% | 828 NS | 30 de abril de 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0,00% | 1 167 NS | 30 de abril de 2026 | N-PORT |
| IWV · iShares Trust | 0,00% | 5 522 SH | 8 de agosto de 2026 | Diario |
| DFAU · Dimensional ETF Trust | 0,00% | 2 746 NS | 30 de abril de 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0,00% | 2 156 NS | 31 de mayo de 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0,00% | 3 519 NS | 30 de abril de 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 451 102 SH | 8 de agosto de 2026 | Diario |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 1 119 SH | 8 de agosto de 2026 | Diario |
| DFAC · Dimensional ETF Trust | 0,00% | 500 NS | 30 de abril de 2026 | N-PORT |