COFS ChoiceOne Financial Services, Inc. - Common Stock
NASDAQ · Banking · Lihat di SEC EDGAR ↗ tutup Okt 2, 2026 10-K/10-Q Agu 10, 2026
$33,11
· % dari rentang 52 mgg
· di atas terendah
· ke tinggi
$26,10rendah 52m
$35,40tinggi 52m
Kapitalisasi Pasar (MRQ)
$495M
P/E (TTM)
8.0
EPS (TTM)
$4.14
Pendapatan (TTM)
$240M
lencana Anda
Rentang 52M
$26–$35
Peringkat Analis
BUY
Target Harga
$37
P/E
8.0
ROE
12.0%
Margin Laba Bersih
22.8%
Strip lencana Anda kosong — sematkan metrik di mana saja di halaman ini.
COFS Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu
Harga
$33.11
Kapitalisasi Pasar (MRQ)
$495M
P/E (TTM)
8.0
EPS (TTM)
$4.14
Pendapatan (TTM)
$240M
Imbal Hasil Dividen
3.4%
ROE (TTM)
12.0%
Rentang 52M
$26–$35
COFS Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda
rentang
batang
Granularitas batang menyesuaikan dengan periode yang dipilih — arahkan kursor ke bagan untuk melihat buka/tinggi/rendah/tutup untuk sebuah batang.
Pemecahan saham
| Tanggal ex-dividen | Pemecahan | Tipe |
|---|---|---|
| 9 Mei 2018 | 21-for-20 | Maju |
| 8 Mei 2017 | 21-for-20 | Maju |
| 5 Mei 2005 | 21-for-20 | Maju |
Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS
Pendapatan$228M2022-12-31 → 2025-12-31
EPS$2.012021-12-31 → 2025-12-31
Arus Kas Bebas$25M2021-12-31 → 2025-12-31
Margin bersih22.8%2021-12-31 → 2025-12-31
Valuasi & Rasio
Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?
| Metrik | Tren 5 Tahun | COFS | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| P/E (TTM) | 8.0 | · | 11.6 | Kurang nilai | |
| P/S (TTM) | 2.1 | · | 3.1 | Kurang nilai | |
| P/B (MRQ) | 1.0 | · | 1.2 | Kurang nilai | |
| Harga / FCF (TTM) | 9.7 | · | · | · | |
| Harga / Arus Kas (TTM) | 8.4 | · | 11.0 | Terlalu mahal | |
| Harga / Nilai Buku Berwujud (MRQ) | 1.1 | · | · | · |
Median rekan dihitung berdasarkan basis standar per metrik dan mungkin tidak selalu cocok dengan basis TTM/MRQ yang ditampilkan untuk saham ini.
Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC
| Metrik | Tren 5 Tahun | COFS | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Margin Sebelum Pajak (TTM) | 27.8% | · | 43.6% | Lemah | |
| Margin Laba Bersih (TTM) | 22.8% | · | 35.0% | Lemah | |
| ROA (TTM) | 1.2% | · | 0.98% | Lemah | |
| ROE (TTM) | 12.0% | · | 8.7% | Lemah |
Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca
Belum ada data untuk grup rasio ini
Data fundamental belum cukup untuk menghitung grup rasio ini.
Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T
| Metrik | Tren 5 Tahun | COFS | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Revenue YoY (Pendapatan YoY) | 63.6% | · | · | · | |
| Revenue CAGR 3Y (CAGR Pendapatan 3T) | 36.7% | · | · | · | |
| EPS YoY | -38.1% | · | · | · | |
| Net Income YoY (Laba Bersih YoY) | 5.4% | · | · | · | |
| EPS CAGR 3Y (CAGR EPS 3T) | -13.9% | · | · | · | |
| EPS CAGR 5Y (CAGR EPS 5T) | -0.59% | · | · | · | |
| Net Income CAGR 3Y (CAGR Laba Bersih 3T) | 6.0% | · | · | · | |
| Net Income CAGR 5Y (CAGR Laba Bersih 5T) | 12.5% | · | · | · |
Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang
| Metrik | Tren 5 Tahun | COFS | rata-rata 5T | Median Rekan | Kesimpulan |
|---|---|---|---|---|---|
| Asset Turnover (Perputaran Aset) | 0.1 | · | 0.0 | Tingkat teratas | |
| Revenue / Employee (Pendapatan Tahunan ÷ karyawan (jumlah karyawan, yfinance). Turunan — bukan konsep SEC-XBRL yang tersimpan.) | ≈$394.5K | · | · | · |
nilai · ≈ rata-rata 5T · median industri · penilaian relatif terhadap median
Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun
Imbal Hasil Dividen3.4%
Rasio Pembayaran Dividen60.2%
Pembayaran Tahunan≈$1.16
CAGR Dividen 5T≈7.0%
Rentetan Pertumbuhan≈5
| Tanggal ex-dividen | Jumlah | Mata Uang | Imbal Hasil |
|---|---|---|---|
| Sep 15, 2026 | $0,29 | USD | ≈3.4% |
| Jun 15, 2026 | $0,29 | USD | ≈3.6% |
| Mar 13, 2026 | $0,29 | USD | ≈4.2% |
| Des 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% |
| Des 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% |
| Des 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% |
| Des 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% |
| Des 14, 2021 | $0,25 | USD | ≈3.7% |
Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya
Kejutan Rata-rata
5.2%
Laporan Berikutnya
Okt 22, 2026
| Periode | Laporan | EPS Aktual | EPS Estimasi | Kejutan |
|---|---|---|---|---|
| 30 Juni 2026 | Jul 23, 2026 | $0.83 | $0.90 | -7.5% |
| 31 Maret 2026 | $0.91 | $0.86 | 5.5% | |
| 31 Des. 2025 | $0.92 | $0.92 | 0.03% | |
| 30 Sep. 2025 | $0.97 | $0.88 | 10.7% | |
| 30 Juni 2025 | $0.91 | $0.80 | 14.4% | |
| 31 Maret 2025 | $0.86 | $0.80 | 8.1% |
Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas
Laporan Laba Rugi
| Metrik | Tren | 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 |
Neraca
| Metrik | Tren | 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 |
Arus Kas
| Metrik | Tren | 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 |
Profitabilitas
| Metrik | Tren | 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% |
Efisiensi
| Metrik | Tren | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.0 | 0.0 |
Per Saham
| Metrik | Tren | 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 |
Tingkat Pertumbuhan
| Metrik | Tren | 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% | · | · | · |
Valuasi (TTM)
| Metrik | Tren | 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 |
Laporan Laba Rugi
| Metrik | Tren | 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 |
Neraca
| Metrik | Tren | 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 |
Arus Kas
| Metrik | Tren | 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 | · | · | · | · | · | · |
Profitabilitas
| Metrik | Tren | 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% |
Efisiensi
| Metrik | Tren | 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 Saham
| Metrik | Tren | 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 |
Valuasi (TTM)
| Metrik | Tren | 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 |
Periode terbaru di sebelah kiri · nilai null ditampilkan sebagai ·
Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir
| Metrik | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Pendapatan | $228M | · | · | $139M | · |
| Laba Bersih | $28M | · | · | $27M | · |
| EPS Dilusian | $2.01 | · | · | $3.25 | · |
Tidak ada data untuk laporan ini
Data fundamental belum cukup untuk membuat laporan ini.
| Metrik | 2025-12-31 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|
| Arus Kas Bebas | $25M | · | · | $47M | · |
Pemilik institusional (13F) 130 pengaju · $259.6M total · Per tanggal 30 Sep. 2026
Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.
Pemegang
130
Nilai yang dipegang
$259.6M
Posisi baru
25
Posisi yang keluar
15
Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
| Posisi baru | Posisi yang keluar | Meningkat | Menurun | Perubahan bersih saham |
|---|---|---|---|---|
| 25 (+2 vs Kuartal sebelumnya) | 15 (+4 vs Kuartal sebelumnya) | 51 (+12 vs Kuartal sebelumnya) | 22 (-10 vs Kuartal sebelumnya) | +224K |
Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.
| Institusi | Nilai | Saham | % dari 13F yang dilacak | Tipe |
|---|---|---|---|---|
| BlackRock, Inc. | $36.956.504 | 1.086.956 | 14,24% | Saham |
| VANGUARD GROUP INC | $23.857.709 | 808.188 | 9,19% | Saham |
| NORTHERN TRUST CORP | $22.989.882 | 676.173 | 8,86% | Saham |
| VANGUARD CAPITAL MANAGEMENT LLC | $21.225.316 | 624.274 | 8,18% | Saham |
| STATE STREET CORP | $15.213.028 | 447.442 | 5,86% | Saham |
| GEODE CAPITAL MANAGEMENT, LLC | $12.952.933 | 380.890 | 4,99% | Saham |
| DIMENSIONAL FUND ADVISORS LP | $9.814.016 | 288.653 | 3,78% | Saham |
| ALLIANCEBERNSTEIN L.P. | $9.634.896 | 342.635 | 3,71% | Saham |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7.727.520 | 227.280 | 2,98% | Saham |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $7.466.468 | 219.602 | 2,88% | Saham |
| AQR CAPITAL MANAGEMENT LLC | $6.995.110 | 205.739 | 2,70% | Saham |
| GOLDMAN SACHS GROUP INC | $6.771.916 | 199.174 | 2,61% | Saham |
| AMERICAN CENTURY COMPANIES INC | $6.551.426 | 192.689 | 2,52% | Saham |
| GENDELL JEFFREY L | $5.050.632 | 148.548 | 1,95% | Saham |
| MORGAN STANLEY | $3.760.416 | 110.600 | 1,45% | Saham |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3.464.940 | 101.910 | 1,33% | Saham |
| MARSHALL WACE, LLP | $3.427.302 | 100.803 | 1,32% | Saham |
| Nuveen, LLC | $3.154.486 | 92.779 | 1,22% | Saham |
| VANGUARD FIDUCIARY TRUST CO | $3.143.674 | 92.461 | 1,21% | Saham |
| TWO SIGMA INVESTMENTS, LP | $3.007.606 | 88.459 | 1,16% | Saham |
| SEGALL BRYANT & HAMILL, LLC | $2.973.844 | 87.466 | 1,15% | Saham |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2.540.106 | 74.709 | 0,98% | Saham |
| Bank of New York Mellon Corp | $2.215.751 | 65.169 | 0,85% | Saham |
| LPL Financial LLC | $1.784.743 | 52.492 | 0,69% | Saham |
| FIRST TRUST ADVISORS LP | $1.738.352 | 51.128 | 0,67% | Saham |
| RAYMOND JAMES FINANCIAL INC | $1.660.661 | 48.843 | 0,64% | Saham |
| BANK OF AMERICA CORP /DE/ | $1.650.700 | 48.550 | 0,64% | Saham |
| Empowered Funds, LLC | $1.571.106 | 46.209 | 0,61% | Saham |
| BROWN BROTHERS HARRIMAN & CO | $1.556.758 | 45.787 | 0,60% | Saham |
| JPMORGAN CHASE & CO | $1.500.336 | 44.310 | 0,58% | Saham |
| D. E. Shaw & Co., Inc. | $1.482.332 | 43.598 | 0,57% | Saham |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1.434.324 | 42.186 | 0,55% | Saham |
| UBS Group AG | $1.199.044 | 35.266 | 0,46% | Saham |
| Cerity Partners LLC | $1.037.340 | 30.510 | 0,40% | Saham |
| Quantinno Capital Management LP | $972.400 | 28.600 | 0,37% | Saham |
| Shakespeare Wealth Management, LLC | $924.732 | 27.198 | 0,36% | Saham |
| BARCLAYS PLC | $921.536 | 27.104 | 0,36% | Saham |
| TWO SIGMA ADVISERS, LP | $885.187 | 29.986 | 0,34% | Saham |
| HSBC HOLDINGS PLC | $845.021 | 25.127 | 0,33% | Saham |
| HBW ADVISORY SERVICES LLC | $842.486 | 24.779 | 0,32% | Saham |
| STRS OHIO | $734.400 | 21.600 | 0,28% | Saham |
| Point72 Asset Management, L.P. | $713.796 | 20.994 | 0,28% | Saham |
| AMERIPRISE FINANCIAL INC | $707.880 | 20.820 | 0,27% | Saham |
| Invesco Ltd. | $693.906 | 20.409 | 0,27% | Saham |
| BNP PARIBAS FINANCIAL MARKETS | $657.322 | 19.333 | 0,25% | Saham |
| Creative Planning | $640.356 | 18.834 | 0,25% | Saham |
| HighTower Advisors, LLC | $630.802 | 18.553 | 0,24% | Saham |
| RHUMBLINE ADVISERS | $618.460 | 18.190 | 0,24% | Saham |
| CITIGROUP INC | $476.068 | 14.002 | 0,18% | Saham |
| DEUTSCHE BANK AG\ | $469.676 | 13.814 | 0,18% | Saham |
Orang dalam perusahaan 50 orang dalam · 15 pejabat · 36 direktur
| Orang Dalam | Peran | Aktivitas terakhir | Saham dimiliki | Beli 12m | Jual 12m | Bersih 12m |
|---|---|---|---|---|---|---|
| Kelly Potes | Chief Executive Officer | 30 April 2026 A | 47.256 | 0 | 0 | $0 |
| Michael J Burke Jr | President | 30 April 2026 A | 13.512 | 1 | 0 | $7.145 |
| Adom Greenland | Secretary | 30 April 2026 A | 17.800 | 1 | 0 | $13.700 |
| Bradley Henion | E.V.P. - ChoiceOne Bank (Sub.) | 30 April 2026 A | 6.313 | 0 | 0 | $0 |
| Robert M Jamula | S.V.P. - ChoiceOne Bank (Sub) | 15 Feb. 2022 A | 234 | 0 | 0 | $0 |
| Shelly M Childers | S.V.P. - ChoiceOne Bank (Sub.) | 15 Feb. 2022 A | 950 | 0 | 0 | $0 |
| Peter Batistoni | S.V.P. - ChoiceOne Bank (Sub.) | 15 Feb. 2022 A | 1.115 | 0 | 0 | $0 |
| Heather D Brolick | S.V.P. - ChoiceOne Bank (Sub.) | 15 Feb. 2022 A | 4.094 | 0 | 0 | $0 |
| Lee A Braford | S.V.P. - ChoiceOne Bank (Sub.) | 10 Nov. 2021 S | 0 | 0 | 0 | $0 |
| Steven M Devolder | S.V.P. - ChoiceOne Bank (Sub.) | 15 Maret 2021 A | 414 | 0 | 0 | $0 |
| Mary J Johnson | Secretary | 1 Okt. 2019 F | 18.691 | 0 | 0 | $0 |
| Sheila R Clark | S.V.P. - ChoiceOne Bank (Sub.) | 2 Jan. 2019 F | 20.986 | 0 | 0 | $0 |
| KNOOIHUIZEN LOUIS D | S.V.P - ChoiceOne Bank (Sub.) | 3 Okt. 2016 F | 3.992 | 0 | 0 | $0 |
| Linda R Pitsch | Secretary | 1 Feb. 2011 D | 3.996 | 0 | 0 | $0 |
| Michael E Mchugh | Senior Vice President | 24 Jan. 2008 A | · | 0 | 0 | $0 |
| Steven Theodore Krause | Direktur | 1 Okt. 2026 A | 18.113 | 0 | 0 | $0 |
| Curt E Coulter | Direktur | 1 Okt. 2026 A | 11.365 | 0 | 0 | $0 |
| Michelle M Wendling | Direktur | 1 Okt. 2026 A | 7.690 | 0 | 0 | $0 |
| Harold J Burns | Direktur | 1 Okt. 2026 A | 26.740 | 0 | 0 | $0 |
| Eric E Burrough | Direktur | 1 Okt. 2026 A | 181.991 | 2 | 0 | $280.000 |
| Gregory A Mcconnell | Direktur | 1 Okt. 2026 A | 37.659 | 3 | 0 | $74.342 |
| Bradley F. Mcginnis | Direktur | 1 Okt. 2026 A | 14.733 | 1 | 0 | $29.150 |
| Greg L. Armock | Direktur | 1 Okt. 2026 A | 47.142 | 0 | 0 | $0 |
| Keith D. Brophy | Direktur | 1 Okt. 2026 A | 13.919 | 0 | 0 | $0 |
| Randy D Hicks | Direktur | 1 Okt. 2026 A | 100.530 | 0 | 0 | $0 |
| Roxanne M Page | Direktur | 1 Okt. 2026 A | 7.535 | 0 | 0 | $0 |
| Bruce John Essex Jr | Direktur | 1 Okt. 2026 A | 250.716 | 0 | 0 | $0 |
| Brian P Petty | Direktur | 1 Okt. 2026 A | 92.701 | 0 | 1 | $-443.400 |
| Jack Hendon | Direktur | 1 Juli 2025 A | 9.098 | 0 | 0 | $0 |
| David J Churchill | Direktur | 1 Okt. 2023 A | 3.104 | 0 | 0 | $0 |
| Nels W Nyblad | Direktur | 1 April 2023 A | 23.668 | 0 | 0 | $0 |
| Patrick Cronin | Direktur | 1 Juli 2022 A | 1.068 | 0 | 0 | $0 |
| David Bush | Direktur | 1 Juli 2022 A | 108.985 | 0 | 0 | $0 |
| Bruce Cady | Direktur | 1 April 2022 A | 943 | 0 | 0 | $0 |
| Paul L Johnson | Direktur | 1 Okt. 2021 A | 53.394 | 0 | 0 | $0 |
| James A Bosserd | Direktur | 1 Juli 2021 A | 14.327 | 0 | 0 | $0 |
| Raymond A. Lanning | Direktur | 23 Jan. 2019 A | 41.626 | 0 | 0 | $0 |
| William F Cutler JR | Direktur | 26 Juli 2017 A | 67.234 | 0 | 0 | $0 |
| Timothy K Bull | Direktur | 14 Nov. 2016 P | 64.575 | 0 | 0 | $0 |
| Frank G Berris | Direktur | 4 Nov. 2016 P | 3.932 | 0 | 0 | $0 |
| Stuart Goodfellow | Direktur | 23 Okt. 2013 A | 71.520 | 0 | 0 | $0 |
| Dennis C Nelson | Direktur | 1 Agu 2013 S | 5.202 | 0 | 0 | $0 |
| Jerome B Arends | Direktur | 19 Nov. 2012 P | 24.619 | 0 | 0 | $0 |
| Donald Vansingel | Direktur | 1 Nov. 2012 P | 3.980 | 0 | 0 | $0 |
| Jon E Pike | Direktur | 27 Jan. 2011 A | 40.232 | 0 | 0 | $0 |
| Robert C Humphreys | Direktur | 22 Mei 2008 A | 123.596 | 0 | 0 | $0 |
| Andrew W Zamiara | Direktur | 31 Okt. 2007 A | 11.407 | 0 | 0 | $0 |
| Richard L Edgar | Direktur | 28 Des. 2006 G | 17.287 | 0 | 0 | $0 |
| Bruce A Johnson | Direktur | 18 Okt. 2006 A | 8.051 | 0 | 0 | $0 |
| Thomas L Lampen | · | 15 Maret 2021 A | 14.586 | 0 | 0 | $0 |
Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka
Kepemilikan ETF Dimiliki oleh 23 ETF
Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.
| Dana | Bobot | Unit | Per tanggal | Sumber |
|---|---|---|---|---|
| IWC · iShares Trust | 0,12% | 49.638 SH | 11 Sep. 2026 | Harian |
| DPST · Direxion Shares ETF Trust | 0,05% | 6.476 NS | 31 Juli 2026 | N-PORT |
| EBIT · Harbor ETF Trust | 0,04% | 151 NS | 31 Juli 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0,03% | 12.537 SH | 19 Agu 2026 | Harian |
| IWM · iShares Trust | 0,02% | 389.998 SH | 11 Sep. 2026 | Harian |
| RSSL · Global X Funds | 0,02% | 6.856 NS | 31 Juli 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0,01% | 1.212 SH | 1 Okt. 2026 | Harian |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0,01% | 12.239 SH | 1 Okt. 2026 | Harian |
| DFAS · Dimensional ETF Trust | 0,01% | 48.863 NS | 31 Juli 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0,01% | 24.281 NS | 31 Juli 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0,01% | 158.105 SH | 19 Agu 2026 | Harian |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0,01% | 82.731 SH | 19 Agu 2026 | Harian |
| DFAT · Dimensional ETF Trust | 0,00% | 18.935 NS | 31 Juli 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0,00% | 484 NS | 31 Juli 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0,00% | 828 NS | 31 Juli 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0,00% | 1.167 NS | 31 Juli 2026 | N-PORT |
| IWV · iShares Trust | 0,00% | 5.582 SH | 3 Sep. 2026 | Harian |
| DFAU · Dimensional ETF Trust | 0,00% | 2.746 NS | 31 Juli 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0,00% | 3.519 NS | 31 Juli 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0,00% | 451.102 SH | 19 Agu 2026 | Harian |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0,00% | 1.119 SH | 19 Agu 2026 | Harian |
| DFAC · Dimensional ETF Trust | 0,00% | 500 NS | 31 Juli 2026 | N-PORT |
| IWN · iShares Trust | · | 143.266 SH | 11 Sep. 2026 | Harian |
COFS Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan
peringkat · 9 analis
BELI
Target median
$38.00
+14,8%
2 22,2%
Beli Kuat
5 55,6%
Beli
2 22,2%
Tahan
0 0,0%
Jual
0 0,0%
Jual Kuat
Target Harga 12 Bulan
3 analis · 2026-10-01Target rata-rata $37.00 +11,7%
← Di bawah semua target
Harga saat ini $33.11
Rendah$35.00
Rata-rata$37.00
Tinggi$38.00
Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor
Dasar FY, harga per penutupan akhir tahun fiskal terakhir setiap perusahaan.
| Ticker | Kapitalisasi Pasar | P/E | Pendapatan YoY | Margin Bersih | ROE | Margin Kotor |
|---|---|---|---|---|---|---|
| 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% | · |
Sinyal Perdagangan Sinyal beli/jual terbaru dengan harga masuk dan rasio risiko/imbalan
Tidak ada sinyal terbuka saat ini — tidak ada kartu yang terisi, dan itu jujur.
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Sumber: SEC 10-Q diajukan Agu 10, 2026