COFS
CHOICEONE FINANCIAL SERVICES INCCompany Information
- Company Name
- CHOICEONE FINANCIAL SERVICES INC
- CIK
- CIK0000803164
- Category
- Accelerated filer
- Ticker: Exchange
- COFS: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- COFS
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-03-12
- Last sale
- 2026-02-11
- Shares purchased (TTM)
- 14,360
- Shares sold (TTM)
- 15,000
Institutional Sentiment
- As of
- 2026-06-30
- Institutional shares owned
- 7,017,352
- Shares outstanding
- 14,962,556
- Ownership
- 46.90%
Earnings Market Reaction
- Filing date
- 2026-08-10
- Price on filing date
- —
- 1-month reaction
- 0.88%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash And Due From Banks | 88 | 84 | 88 | 98 | 155 | 137 | 96 | 146 | 101 | 150 | 55 | 144 | ||||||
| Interest Bearing Deposits In Banks | 0 | 0 | 0 | 1 | 1 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Cash And Cash Equivalents At Carrying Value | 89 | 84 | 88 | 99 | 156 | 139 | 97 | 146 | 101 | 150 | 55 | 145 | ||||||
| Equity Securities Fv Ni | 9 | 9 | 9 | 10 | 10 | 9 | 8 | 8 | 8 | 8 | 8 | 7 | ||||||
| Available For Sale Securities Debt Securities | 556 | 574 | 554 | 544 | 479 | 481 | 479 | 498 | 492 | 505 | 515 | 491 | ||||||
| Debt Securities Held To Maturity Amortized Cost After Allowance For Credit Loss | 383 | 384 | 385 | 389 | 390 | 394 | 395 | 392 | 393 | 398 | 408 | 415 | ||||||
| Federal Home Loan Bank Stock | 16 | 19 | 19 | 19 | 19 | 19 | 9 | 4 | 4 | 4 | 4 | 4 | ||||||
| Federal Reserve Bank Stock | 13 | 13 | 13 | 13 | 13 | 12 | 5 | 5 | 5 | 5 | 5 | 5 | ||||||
| Loans Receivable Held For Sale Net Not Part Of Disposal Group | 4 | 10 | 7 | 6 | 8 | 4 | 7 | 6 | 6 | 6 | 5 | 5 | ||||||
| Loans And Leases Receivable Gross Carrying Amount Covered | - | 2,932 | 2,963 | 2,907 | 2,918 | 2,923 | 1,506 | 1,465 | 1,401 | 1,389 | 1,391 | 1,286 | ||||||
Assets | ||||||||||||||||||
| Assets | 4,457 | 4,395 | 4,411 | 4,297 | 4,310 | 4,305 | 2,723 | 2,723 | 2,671 | 2,671 | 2,577 | 2,574 | ||||||
| Loans And Leases Receivable Net Reported Amount Covered | - | - | - | - | - | - | - | - | 1,438 | 1,419 | 1,411 | 1,310 | ||||||
| Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | -16 | -16 | -16 | -15 | ||||||
| Notes Receivable Gross | 3,073 | 2,983 | 3,022 | 2,910 | 2,921 | 2,925 | 1,546 | 1,504 | - | - | 1,411 | - | ||||||
| Financing Receivable Allowance For Credit Losses | -36 | -35 | -36 | -35 | -35 | -35 | -17 | -16 | -16 | -16 | -16 | -15 | ||||||
| Notes Receivable Net | 3,037 | 2,948 | 2,986 | 2,875 | 2,886 | 2,890 | 1,529 | 1,487 | 1,421 | 1,403 | 1,395 | 1,295 | ||||||
| Property Plant And Equipment Net | 50 | 49 | 48 | 46 | 46 | 44 | 27 | 27 | 27 | 28 | 30 | 30 | ||||||
| Other Real Estate | 2 | 2 | 3 | 3 | 2 | 2 | 0 | 1 | 0 | 0 | 0 | 0 | ||||||
| Cash Surrender Value Of Life Insurance | 87 | 86 | 75 | 74 | 74 | 74 | 45 | 46 | 45 | 45 | 45 | 45 | ||||||
| Goodwill | 130 | 130 | 130 | 127 | 127 | 127 | 60 | 60 | 60 | 60 | 60 | 60 | ||||||
| Finite Lived Core Deposits Gross | - | - | - | - | - | - | - | 1 | 1 | 2 | 2 | 2 | ||||||
| Intangible Assets Net Excluding Goodwill | 28 | 29 | 31 | 32 | 33 | 35 | 1 | - | - | - | - | - | ||||||
| Finite Lived Intangible Assets Net | - | - | - | - | - | - | 1 | - | - | - | 2 | - | ||||||
| Other Assets | 54 | 58 | 62 | 62 | 68 | 74 | 60 | 45 | 59 | 57 | 45 | 71 | ||||||
| Noninterest Bearing Deposit Liabilities | 944 | 913 | 907 | 904 | 944 | 912 | 525 | 521 | 517 | 503 | 548 | 532 | ||||||
| Interest Bearing Deposit Liabilities | 1,357 | 1,428 | 1,365 | 1,396 | 2,543 | 2,672 | 920 | 1,681 | 1,582 | 1,641 | 1,551 | 1,552 | ||||||
| Deposits Savings Deposits | 621 | 624 | 607 | 589 | - | - | 338 | - | - | - | - | - | ||||||
| Time Deposits | 588 | 599 | 616 | 606 | - | - | 394 | - | - | - | - | - | ||||||
Liabilities | ||||||||||||||||||
| Liabilities | 3,974 | 3,925 | 3,945 | 3,847 | 3,878 | 3,878 | 2,463 | 2,478 | 2,409 | 2,464 | 2,381 | 2,393 | ||||||
| Deposits | 3,602 | 3,667 | 3,600 | 3,567 | 3,593 | 3,652 | 2,214 | 2,208 | 2,127 | 2,186 | 2,122 | 2,133 | ||||||
| Subordinated Debt | 49 | 49 | 48 | 48 | 48 | 48 | 36 | 36 | 36 | 36 | 36 | 35 | ||||||
| Other Liabilities | 29 | 24 | 32 | 34 | 39 | 41 | 38 | 24 | 36 | 33 | 24 | 44 | ||||||
| Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
Stockholders Equity | ||||||||||||||||||
| Common Stocks Including Additional Paid In Capital | 397 | 397 | 398 | 399 | 398 | 398 | 207 | 206 | 174 | 174 | 174 | 173 | ||||||
| Stockholders Equity | 483 | 470 | 465 | 450 | 432 | 427 | 260 | 248 | 215 | 207 | 196 | 181 | ||||||
| Retained Earnings Accumulated Deficit | 120 | 112 | 103 | 93 | 83 | 73 | 91 | 87 | 82 | 77 | 74 | 70 | ||||||
| Accumulated Other Comprehensive Income Loss Net Of Tax | -34 | -40 | -36 | -42 | -49 | -44 | -38 | -45 | -41 | -44 | -52 | -62 | ||||||
| Liabilities And Stockholders Equity | 4,457 | 4,395 | 4,411 | 4,297 | 4,310 | 4,305 | 2,723 | 2,726 | 2,623 | 2,671 | 2,577 | 2,574 | ||||||
| Preferred Stock Shares Authorized | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Preferred Stock Shares Outstanding | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Common Stock Shares Authorized | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 15 | 15 | 15 | 30 | 15 | ||||||
| Shares Outstanding | 15 | 15 | 15 | 15 | 15 | 15 | 9 | 9 | 8 | 8 | 8 | 8 | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialCHOICEONE FINANCIAL SERVICES INC (COFS) — SEC Financial Statements & Analysis
CHOICEONE FINANCIAL SERVICES INC (COFS) is a state commercial banks company, incorporated in MI. CHOICEONE FINANCIAL SERVICES INC trades on Nasdaq as: COFS. CHOICEONE FINANCIAL SERVICES INC (COFS)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, CHOICEONE FINANCIAL SERVICES INC carries a market cap of $504.41M, a P/E ratio of 9.22x, a P/B ratio of 1.05x, a P/S ratio of 2.33x, an enterprise value of $415.76M, and an EV/EBITDA multiple of -5.39x. On profitability, it posts a gross margin of 68.32%, an operating margin of 30.90%, a net margin of 25.30%, a Return on Equity (ROE) of 11.97%, and a Return on Invested Capital (ROIC) of -19.58%. Per share, it reports EPS of $3.66, diluted EPS of $3.65, free cash flow per share of $3.41, and a dividend per share of $1.15. Over the trailing year, it posted revenue growth of 38.11% year-over-year, net income growth of 287.09% year-over-year, and EPS growth of 288.03% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.55x, free cash flow of $51.04M (TTM), and net debt of $-88.65M. Figures sourced from SEC EDGAR.
- Market Cap
- $504.41M
- P/E TTM
- 9.22x
- EPS TTM
- $3.66
- P/B TTM
- 1.05x
- ROE TTM
- 11.97%
- Free Cash Flow TTM
- $51.04M
- Net Revenue TTM Growth 1Y
- 38.11%
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CHOICEONE FINANCIAL SERVICES INC in?
CHOICEONE FINANCIAL SERVICES INC (COFS) operates in the State Commercial Banks industry.
What exchange does COFS trade on?
CHOICEONE FINANCIAL SERVICES INC (COFS) trades on the Nasdaq.
Where is CHOICEONE FINANCIAL SERVICES INC incorporated?
CHOICEONE FINANCIAL SERVICES INC is incorporated in MI.
When was CHOICEONE FINANCIAL SERVICES INC (COFS)'s most recent SEC filing?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.
What is COFS's market cap?
CHOICEONE FINANCIAL SERVICES INC (COFS) has a market capitalization of $504.41M as of 2026-06-30.
What is COFS's P/E ratio?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s trailing twelve month P/E ratio is 9.22x as of 2026-06-30.
What is COFS's EPS (earnings per share)?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s trailing twelve month EPS is $3.66 as of 2026-06-30.
What is COFS's ROE (return on equity)?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s trailing twelve month Return on Equity (ROE) is 11.97% as of 2026-06-30.
What is COFS's ROIC (return on invested capital)?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s trailing twelve month Return on Invested Capital (ROIC) is -19.58% as of 2026-06-30.
What is COFS's EV/EBITDA?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s trailing twelve month EV/EBITDA is -5.39x as of 2026-06-30.