CHOICEONE FINANCIAL SERVICES INC (COFS)
Financials · Regional Banking · NASDAQ
ChoiceOne Financial Services is a Michigan-based regional community banking institution focused on organic growth, prudent credit management, and strategic acquisitions.
What CHOICEONE FINANCIAL SERVICES INC does
ChoiceOne Financial Services is a bank holding company that operates ChoiceOne Bank, providing a range of financial products and services. Its offerings include various loan products, deposit services, and other financial solutions for individuals and businesses, primarily within Michigan.
Recent developments
In the second quarter of 2026, the company repositioned lower-yielding municipal securities to fund loan growth and improve its interest rate profile, resulting in a pre-tax securities loss of approximately $1.9 million. Additionally, the company completed the merger of Fentura Financial, Inc. in March 2025, which was subsequently consolidated into ChoiceOne Bank in March 2025.
From CHOICEONE FINANCIAL SERVICES INC's filing of 2026-08-10.
Themes: regional banking, community banking, M&A integration, loan portfolio growth, balance sheet management
Fundamentals
- Price$33.02 as of 2026-10-08 close
- Market cap$494M as of 2026-07-31 (share count; price 2026-10-08)
- 1-year return+17.5% 2025-10-08 close $28.11 → 2026-10-08 close $33.02
- P/E9.08 as of 2026-10-08
- Net margin+12.4% FY2025, SEC XBRL
- ROE+6.1% FY2025, SEC XBRL
- Debt / equity0.10 as of 2026-09-03
- Revenue growth (YoY)+28.6% as of 2026-09-03
- Revenue CAGR (3y)+36.7% SEC XBRL
- Beta0.68 as of 2026-09-03
- Last reported earnings2026-07-24 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +3.5%; 6-year non-decreasing per-share dividend streak (SEC XBRL).
How COFS compares in its sector
- price-to-earnings ratiobottom 25% 513 covered Financials peers, as of 2026-10-08
- net profit marginmiddle range 344 covered Financials peers, as of 2026-09-03
- return on equitybottom 25% 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, COFS's dividend was covered by reported results (earnings payout 60%, free-cash-flow payout 67%). This describes past coverage, not a forecast.
- Earnings payout60% dividends / net income
- Free-cash-flow payout67% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How CHOICEONE FINANCIAL SERVICES INC looks technically
CHOICEONE FINANCIAL SERVICES INC (COFS) is trading 5.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 94 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive). It made a new 20-day low about 7 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 5.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +5.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $33.54 | $33.54 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $31.17 | $31.17 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 31.9. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 94 trading days ago — a "golden cross", a bullish long-term signal | 94 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 24 (a reading of 25+ marks a strong trend) | 24.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 47, neither overbought (above 70) nor oversold (below 30) | 47.3 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($31.90 to $33.57) — its "stochastic" reading is 67 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 67.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 3 trading days ago (its momentum flipped positive) | 3 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $35.40 | $35.40 |
|---|---|---|
| From the 52-week high | it is 6.7% below its 52-week high (its highest price of the past year) | -6.7% |
| Above the 52-week low | it is 26.5% above its 52-week low (its lowest price of the past year) | +26.5% |
| Below the 52-week high | it is 6.7% below its highest point of the past year | 6.7% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day low about 7 trading days ago | 7 sessions |
| All-time high | its highest closing price on record is $38.15 (set on 2024-12-11) | $38.15 |
| Given back of the 52-week move | over the past year its closes ranged ($26.29 to $34.62), and it has given back roughly a quarter of its rise from last year’s low — 19% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $29.21 to $29.47. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 19.2% |
| From the all-time high | it is 13.4% below its all-time high | -13.4% |
| Nearest price level | it is trading 0.8% above a support level at $32.75 — a price it turned at three times since 2025-01-10, most recently on 2026-09-01. Since 2024-10-08 it has 8 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.8% |
| All-time low | its lowest closing price on record is $4.05 (set on 2009-03-18) | $4.05 |
| Above the all-time low | it is 715.8% above its all-time low | +715.8% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 82% of it) | 18th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.6576 between its high and its low — about 2.0% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.6576 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $32.22 and $34.03 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $32.22 – $33.13 – $34.03 |
| Typical daily range (% of price) | its price moves about 2.0% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 2.8 daily ranges above its 200-day average price (5.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.8 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.50× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
2
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|---|---|
| Since a bullish engulfing | 5 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.2% |
|---|---|---|
| Gap filled | a 7.9% gap down opened on 2026-07-24 has been "filled" 52 sessions ago — price traded back through the level the gap left behind, and it took 1 session to close | 52 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 3.4 percentage points (the stock lost 2.3% while the market gained 1.0%) | -3.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.0 percentage points (the stock gained 1.9% while the market gained 3.8%) | -2.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 2.0 percentage points (the stock gained 15.5% while the market gained 17.5%) | -2.0% |
| vs market, 12 months | over the past 12 months this stock beat the market by 2.5 percentage points (the stock gained 17.5% while the market gained 15.0%) | +2.5% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, MACD momentum is positive — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: lagging the market over 6 months — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 2.9% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $31.31 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +5.5% |
|---|---|---|
| Vs the average paid since it last reported | the price is 2% below the average price paid since it last reported on 2026-07-24 (its 8-K), so the typical buyer over that stretch is under water. That average is $33.54 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | -1.6% |
Rectangle, either side — forming · the lower entry $32.63 · 65 sessions in
Price levels it has turned at before
COFS last closed at $33.02 on 2026-10-08. Since 2024-10-08 it has turned at 8 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $32.75 | Support | 0.8% below the last close | turned there three times · 2025-01-10 to 2026-09-01 |
| $33.71 | Resistance | 2.1% above the last close | turned there three times · 2024-12-20 to 2026-08-10 |
| $32.01 | Support | 3.0% below the last close | turned there 7 times · 2024-11-04 to 2026-10-01 |
| $34.85 | Resistance | 5.5% above the last close | turned there 7 times · 2024-10-25 to 2026-09-04 |
| $30.97 | Support | 6.2% below the last close | turned there 13 times · 2025-05-20 to 2026-07-24 |
| $36.78 | Resistance | 11.4% above the last close | turned there twice · 2024-11-06 to 2024-12-27 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $31.90.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · MACD just crossed bullish (12/26/9) · Printed a doji candle · Least volatile (2% or less typical daily range) · Trading inside the Ichimoku cloud · Near a support level (sitting on a price it has bounced off before) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (1.67 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$37.00 range $35.00 – $38.00; median $38.00
Analyst estimates, as of 2026-10-08. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for COFS
- Consensus EPS estimate$0.9267 next reporting period, as of 2026-10-08
- Estimate change, 30 days$0.00 (0.0%) from $0.9267, on 2026-09-03, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk related to loan nonpayment and the potential inadequacy of the allowance for credit losses.","Sensitivity to interest rate fluctuations affecting net interest income and cash flow.","Risks associated with merger and acquisition integration and failure to realize projected benefits."]
What changed in the latest 10-Q
AI-assisted comparison of COFS's 10-Q filed 2026-08-10 against the prior one filed 2026-05-11.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (filed 2026-08-10) adds second quarter 2026 results: net income of $12,463,000 for the three months and $26,167,000 for the six months ended June 30, 2026, compared to net income of $13,534,000 and a net loss of $372,000 for the three and six months ended June 30, 2025, respectively.
- Newer filing (filed 2026-08-10) adds diluted earnings per share of $0.83 and $1.74 for the three and six months ended June 30, 2026, compared to diluted earnings per share of $0.90 and diluted loss per share of $0.03 for the three and six months ended June 30, 2025, respectively.
- Newer filing (filed 2026-08-10) adds disclosure that second quarter 2026 results included a pre-tax securities loss of approximately $1.9 million, which reduced diluted earnings per share by approximately $0.10, as ChoiceOne repositioned lower-yielding municipal securities to fund loan growth and improve its interest rate profile.
- Newer filing (filed 2026-08-10) adds disclosure that total assets as of June 30, 2026 were $4.5 billion, an increase of $146.6 million compared to June 30, 2025, with growth primarily attributed to core loans, securities and warehouse mortgage advances, partially offset by a reduction in cash balance of $67.6 million during the twelve months ended June 30, 2026.
- Newer filing (filed 2026-08-10) adds disclosure that core loans increased by $87.1 million or an annualized 11.9% during the second quarter of 2026 and grew by $101.5 million or 3.5% during the twelve months ended June 30, 2026, including approximately $40.0 million from a purchase of seasoned, high quality adjustable rate mortgages from another community bank during second quarter 2026.
- Newer filing (filed 2026-08-10) adds disclosure that loan interest income increased $703,000 in the second quarter of 2026 compared to first quarter of 2026 and decreased $187,000 compared to second quarter of 2025, partially due to a decline in accretion from purchased loans from $3.5 million in the three months ended June 30, 2025 to approximately $2.4 million in the second quarter of 2026.
- Newer filing (filed 2026-08-10) adds disclosure that interest income due to accretion from purchased loans increased net interest margin by 24 and 36 basis points in the second quarter of 2026 and the second quarter of 2025, respectively.
- Newer filing (filed 2026-08-10) adds disclosure that of the $2.4 million accretion recognized in second quarter 2026, $2.0 million was calculated using the effective interest rate method of amortization and $433,000 resulted from unexpected payoffs and paydowns of loans with an associated fair value mark.
- Newer filing (filed 2026-08-10) adds disclosure that estimated interest income due to accretion from purchased loans for the remainder of 2026 using the effective interest method of amortization is $3.8 million, and that an estimated total of $48.0 million remains to be recognized as interest income due to accretion from purchased loans over the life of the purchased loans portfolio.
- Newer filing (filed 2026-08-10) adds disclosure that deposits, excluding brokered deposits, decreased by $55.4 million as of June 30, 2026 compared to March 31, 2026, largely due to seasonality in municipal deposits, with municipal deposits decreasing by approximately $95.0 million during second quarter 2026.
- Newer filing (filed 2026-08-10) adds disclosure that deposits, excluding brokered deposits, increased by $22.2 million as of June 30, 2026 compared to June 30, 2025, primarily from organic growth in interest bearing and savings accounts offset by a decline in higher interest certificate of deposit accounts.
- Removed:
- Older filing (filed 2026-05-11) contains disclosure that ChoiceOne reported net income of $13,704,000 for the three months ended March 31, 2026, compared to net income of $13,867,000 and a net loss of $13,906,000 for the three months ended December 31, 2025 and March 31, 2025, respectively.
- Older filing (filed 2026-05-11) contains disclosure that net income excluding Merger expenses and Merger related provision for credit losses, net of taxes, was $9,310,000 for the three months ended March 31, 2025.
- Older filing (filed 2026-05-11) contains disclosure that diluted earnings per share were $0.91 for the three months ended March 31, 2026, compared to diluted earnings per share of $0.92 and diluted loss per share of $1.29 for the three months ended December 31, 2025 and March 31, 2025, respectively.
- Older filing (filed 2026-05-11) contains disclosure that diluted earnings per share excluding Merger expenses and Merger related provision for credit losses, net of taxes, was $0.86 for the three months ended March 31, 2025.
- Older filing (filed 2026-05-11) contains a reconciliation table for non-GAAP adjusted net income and adjusted earnings per share to GAAP net income and earnings (loss) per share for the three months ended March 31, 2026 and 2025.
- Older filing (filed 2026-05-11) contains disclosure that as of March 31, 2026, total assets were $4.4 billion, an increase of $89.2 million compared to March 31, 2025, with growth primarily attributed to securities and warehouse mortgage advances, partially offset by a reduction in cash balance of $55.2 million during the twelve months ended March 31, 2026.
- Older filing (filed 2026-05-11) contains disclosure that interest rates and balances on warehouse mortgage advances fluctuate with the national mortgage market and are short term in nature.
- Older filing (filed 2026-05-11) contains disclosure that core loans declined by $30.9 million or an annualized 4.2% during the first quarter of 2026 and grew by $9.5 million or 0.3% during the twelve months ended March 31, 2026.
- Older filing (filed 2026-05-11) contains disclosure that loan interest income increased $13.0 million in the first quarter of 2026 compared to the same period in 2025 and decreased $975,000 compared to the fourth quarter of 2025.
- Older filing (filed 2026-05-11) contains disclosure that interest income for the three months ended March 31, 2026 includes $2.7 million of interest income due to accretion from purchased loans compared to $3.1 million for the three months ended December 31, 2025.
- Older filing (filed 2026-05-11) contains disclosure that interest income due to accretion from purchased loans increased GAAP net interest margin by 26 and 29 basis points in the first quarter of 2026 and fourth quarter of 2025, respectively.
- Older filing (filed 2026-05-11) contains disclosure that of the amount recognized in the first quarter of 2026, $2.1 million was calculated using the effective interest rate method of amortization, while the remaining $597,000 resulted from accretion through unexpected payoffs and paydowns of loans with an associated fair value mark.
- Reworded:
- Newer filing (filed 2026-08-10) removed the sentence: "and management's assumptions concerning pension and other post-retirement benefit plans involve judgments that are inherently forward-looking" from the forward-looking statements paragraph that was present in the older filing (filed 2026-05-11).
- Newer filing (filed 2026-08-10) removed the sentence: "All of the information concerning interest rate sensitivity is forward-looking." from the forward-looking statements paragraph that was present in the older filing (filed 2026-05-11).
- Results of operations discussion changed from first quarter ended March 31, 2026 comparative period (older filing, filed 2026-05-11) to second quarter and six months ended June 30, 2026 comparative period (newer filing, filed 2026-08-10).
- Notes:
- The newer filing text appears truncated at the end of the second quarter deposit discussion; the older filing text also appears truncated mid-sentence in the purchased loans accretion discussion.
- This comparison is based solely on the provided excerpts and does not cover any MD&A content outside those excerpts.
Risk Factors
- Added:
- Newer filing states no unregistered sales of equity securities in the second quarter of 2026 (filed 2026-08-10).
- Newer filing includes repurchase activity for the six months ended June 30, 2026, stating 85,000 shares repurchased for a net cost of $2.5 million (filed 2026-08-10).
- Newer filing includes a May 2026 repurchase of 25,000 shares at $30.32 per share in its quarterly repurchase table (filed 2026-08-10).
- Newer filing includes a June 2026 repurchase of 10,000 shares at $31.74 per share in its quarterly repurchase table (filed 2026-08-10).
- Newer filing states 265,272 shares remaining to purchase under the repurchase plan as of June 30, 2026 (filed 2026-08-10).
- Removed:
- Older filing stated no unregistered sales of equity securities in the first quarter of 2026 (filed 2026-05-11).
- Older filing included a January 2026 entry in its quarterly repurchase table showing 350,272 shares remaining under the plan (filed 2026-05-11).
- Older filing included a February 2026 repurchase of 30,000 shares at $29.36 per share in its quarterly repurchase table (filed 2026-05-11).
- Older filing included a March 2026 repurchase of 20,000 shares at $28.00 per share in its quarterly repurchase table (filed 2026-05-11).
- Older filing stated 300,272 shares remaining to purchase under the repurchase plan as of March 31, 2026 (filed 2026-05-11).
- Older filing's Item 5 included descriptions of Employment Agreements, Change in Control Agreements, Supplemental Executive Retirement Benefits Agreements, and Split-Dollar Agreements (filed 2026-05-11).
- Reworded:
- Newer filing replaced the quarterly period reference from 'first quarter of 2026' to 'second quarter of 2026' in the unregistered securities statement (filed 2026-08-10).
- Newer filing replaced the single-quarter repurchase description ('50,000 shares... $1.4 million during the first quarter of 2026') with a combined six-month description plus quarterly figures ('35,000 shares... $1.1 million during the second quarter of 2026 and 85,000 shares... $2.5 million during the six months ended June 30, 2026') (filed 2026-08-10).
- Newer filing's Item 5 'Other Information' states 'None', whereas the older filing contained substantive disclosures about executive agreements (filed 2026-08-10).
- Notes:
- The provided texts extend beyond Item 1A and include Items 2, 5, 6, and the signature page; only those portions within the provided excerpts were compared.
- The exhibit list and signature block were present in the newer filing excerpt but not included in the older filing excerpt, so no comparison of those sections was possible.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for COFS — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
3 institutional 13F filers reported holding COFS as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 3
- Reported shares held 1,534,909
- Reported value $52,186,906
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 0 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about COFS's institutional holders → See what each manager we track holds →
Short interest (FINRA)
COFS had 516,958 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
COFS had 3.46% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.92 days to cover at the same settlement.
- Reported short interest (shares) 516,958
- Short interest (% of shares outstanding) 3.46%
- Prior settlement (shares) 452,754
- Reported change 14.18%
- Days to cover (reported) 7.92
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Independent Bank Corporation (IBCP)
- Mercantile Bank Corporation (MBWM)
- Chemical Financial Corporation
- Huntington Bancshares (HBAN)
- Comerica (CMA)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does CHOICEONE FINANCIAL SERVICES INC (COFS) do?
ChoiceOne Financial Services is a bank holding company that operates ChoiceOne Bank, providing a range of financial products and services. Its offerings include various loan products, deposit services, and other financial solutions for individuals and businesses, primarily within Michigan.
What sector is CHOICEONE FINANCIAL SERVICES INC (COFS) in?
CHOICEONE FINANCIAL SERVICES INC (COFS) is classified in the Financials sector. Its industry is Regional Banking. It trades on NASDAQ.
Does COFS pay a dividend?
Yes — CHOICEONE FINANCIAL SERVICES INC (COFS) pays a dividend, with an indicated yield of about 3.48% and 6-year non-decreasing per-share dividend streak (SEC EDGAR XBRL) (market data, as of 2026-09-03). Informational only — not financial advice.
Who are CHOICEONE FINANCIAL SERVICES INC's (COFS) competitors?
Notable peers of CHOICEONE FINANCIAL SERVICES INC (COFS) include Independent Bank Corporation, Mercantile Bank Corporation, Chemical Financial Corporation, Huntington Bancshares and Comerica. This peer set is informational only — not financial advice.
Is CHOICEONE FINANCIAL SERVICES INC (COFS) overbought or oversold right now?
CHOICEONE FINANCIAL SERVICES INC (COFS) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 47, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on COFS come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.