CHOICEONE FINANCIAL SERVICES INC

COFS

CHOICEONE FINANCIAL SERVICES INC

COFS

Insider Sentiment (TTM):

Last Purchase:2026-03-12Last Sale:2026-02-11Shares Purchased (TTM):14,350Shares Sold (TTM):15,000

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:6,738,048Shares Outstanding:14,990,017Institutional Ownership Pct.:44.95%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	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
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 Af…	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 Dis…	4	10	7	6	8	4	7	6	6	6	5	5
Loans And Leases Receivable Gross Carrying Amount …	-	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 Co…	-	-	-	-	-	-	-	-	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	-	-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…	-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

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.71%	10.62%	10.98%	-	-	-	-	-	-	-	-	-
2025	-2.56%	1.39%	-3.64%	7.04%	2.75%	7.09%	6.55%	-0.32%	-1.28%	4.59%	12.29%	15.23%
2024	-1.95%	15.01%	8.31%	12.85%	10.97%	24.32%	5.58%	0.53%	-2.64%	-9.26%	0.92%	2.76%
2023	-	-	-	-7.01%	-25.46%	-9.47%	24.41%	27.12%	20.00%	-3.77%	-1.94%	-5.98%
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Performance and Valuation Metrics

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Metrics	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
Leverage & Debt
Interest Coverage TTM	-0.55	-0.54	-0.75	-0.78	-0.83	-0.59	0.27	0.82	1.61	1.63	1.77	2.08
Per Share Metrics
Diluted EPS TTM	3.65	3.71	2.01	1.43	0.94	0.67	3.25	2.89	2.98	2.80	2.81	2.99
Free Cash Flow Per Share TTM	3.41	2.25	1.81	2.40	0.98	1.89	5.56	1.29	6.55	6.50	5.61	8.86
Dividend Per Share TTM	1.15	1.14	1.22	1.01	0.89	1.05	1.10	1.00	1.07	1.06	1.05	1.04
Margin Metrics
Gross Profit Margin TTM	68.32%	68.15%	67.54%	66.57%	65.28%	63.54%	61.47%	50.87%	49.73%	50.69%	54.83%	72.77%
Operating Profit Margin TTM	30.90%	31.66%	16.84%	14.59%	10.95%	6.52%	27.32%	26.04%	24.56%	24.28%	25.83%	29.32%
Net Profit Margin TTM	25.30%	25.79%	13.88%	11.95%	9.03%	5.42%	22.07%	21.06%	20.09%	20.06%	21.48%	24.71%
Growth Metrics
Net Revenue Growth (1Y)	38.11%	63.06%	67.59%	52.18%	39.04%	25.11%	22.35%	28.78%	33.09%	34.22%	31.87%	28.65%
Net Income Growth (1Y)	287.09%	676.21%	5.42%	-13.65%	-37.55%	-66.20%	25.71%	9.75%	-3.03%	-10.46%	-10.06%	3.11%
EPS Growth (1Y)	288.03%	452.82%	-38.25%	-50.73%	-68.49%	-76.09%	15.96%	-3.44%	-3.55%	-10.85%	-10.41%	2.70%
Valuation Metrics
P/E TTM	9.30	7.49	14.32	19.68	29.32	40.76	10.28	9.98	8.90	8.93	9.45	5.89
P/B TTM	1.05	0.89	0.87	0.94	0.96	0.69	1.06	1.00	0.94	0.92	1.03	0.74
P/S TTM	2.35	1.93	1.99	2.35	2.65	2.21	2.27	2.10	1.79	1.79	2.03	1.46
Market Cap	508.73M	417.77M	403.61M	422.58M	414.47M	292.93M	274.85M	248.19M	201.41M	189.87M	200.82M	133.48M
Enterprise Value	420.08M	333.55M	315.63M	323.60M	258.19M	153.51M	178.10M	102.25M	100.41M	39.75M	145.38M	-11.19M
Calculated Values
Free Cash Flow TTM	51.04M	33.71M	25.19M	36.00M	14.70M	20.14M	45.38M	11.02M	49.55M	49.11M	42.25M	66.79M
Net Debt	-88.65M	-84.22M	-87.99M	-98.98M	-156.28M	-139.42M	-96.75M	-145.94M	-101.00M	-150.13M	-55.43M	-144.67M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-03-12Purchase

Owner: Greenland, Adom

Title: Secretary

Shares: 500

Price/Share: $27.40

Value: $13,700.00

Shares Owned: 3,690

Relationship: Officer

Ownership: Indirect

2026-03-11Purchase

Owner: Burrough, Eric E

Title: -

Shares: 5,000

Price/Share: $27.50

Value: $137,500.00

Shares Owned: 180,397

Relationship: Director

Ownership: Direct

2026-03-06Purchase

Owner: Mcconnell, Gregory A

Title: -

Shares: 1,050

Price/Share: $27.94

Value: $29,337.00

Shares Owned: 37,000

Relationship: Director

Ownership: Direct

2026-03-03Purchase

Owner: Mcginnis, Bradley F.

Title: -

Shares: 1,000

Price/Share: $29.15

Value: $29,150.00

Shares Owned: 15,301

Relationship: Director

Ownership: Indirect

2026-02-27Purchase

Owner: Burke, Michael J. Jr.

Title: President

Shares: 250

Price/Share: $28.58

Value: $7,145.00

Shares Owned: 2,891

Relationship: Director,Officer

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-03-12	Greenland, Adom	Officer	Secretary	Indirect	Purchase	500	27.40	$13,700.00	3,690	4
2026-03-11	Burrough, Eric E	Director	-	Direct	Purchase	5,000	27.50	$137,500.00	180,397	4
2026-03-06	Mcconnell, Gregory A	Director	-	Direct	Purchase	1,050	27.94	$29,337.00	37,000	4
2026-03-03	Mcginnis, Bradley F.	Director	-	Indirect	Purchase	1,000	29.15	$29,150.00	15,301	4
2026-02-27	Burke, Michael J. Jr.	Director,Officer	President	Indirect	Purchase	250	28.58	$7,145.00	2,891	4
2026-02-13	Mcconnell, Gregory A	Director	-	Direct	Purchase	1,550	29.05	$45,027.50	35,950	4
2026-02-11	Petty, Brian P	Director	-	Direct	Sale	15,000	29.56	$443,400.00	91,107	4
2025-11-17	Burrough, Eric E	Director	-	Direct	Purchase	5,000	28.50	$142,500.00	174,833	4
2025-03-14	Coulter, Curt E	Director	-	Direct	Purchase	10	29.78	$297.80	8,851	4
2025-02-18	Mcginnis, Bradley F.	Director	-	Indirect	Purchase	1,000	32.84	$32,840.00	14,301	4
2024-08-09	Burke, Michael J Jr	Director,Officer	President	Indirect	Purchase	500	26.75	$13,375.00	2,500	4
2024-08-05	Potes, Kelly	Director,Officer	Chief Executive Officer	Indirect	Purchase	2,000	26.72	$53,440.00	5,000	4
2024-08-02	Burke, Michael J Jr	Director,Officer	President	Indirect	Purchase	1,000	27.25	$27,250.00	2,000	4
2024-07-25	Brophy, Keith D.	Director	-	Direct	Purchase	1,000	25.00	$25,000.00	8,556	4
2024-07-25	Hendon, Jack	Director	-	Direct	Purchase	6,000	25.00	$150,000.00	6,000	4
2024-07-25	Armock, Greg L.	Director	-	Direct	Purchase	6,000	25.00	$150,000.00	16,792	4
2024-07-25	Potes, Kelly	Director,Officer	Chief Executive Officer	Direct	Purchase	2,000	25.00	$50,000.00	40,133	4
2024-07-25	Essex, Bruce John Jr	Director	-	Indirect	Purchase	12,000	25.00	$300,000.00	248,806	4
2024-07-25	Greenland, Adom	Officer	Secretary	Direct	Purchase	2,000	25.00	$50,000.00	13,867	4
2024-07-25	Mcconnell, Gregory A	Director	-	Direct	Purchase	4,000	25.00	$100,000.00	33,149	4
2024-07-25	Wendling, Michelle M	Director	-	Direct	Purchase	400	25.00	$10,000.00	5,622	4
2024-07-25	Burns, Harold J	Director	-	Direct	Purchase	2,000	25.00	$50,000.00	20,587	4
2024-07-25	Burrough, Eric E	Director	-	Direct	Purchase	16,000	25.00	$400,000.00	160,461	4
2023-12-04	Potes, Kelly	Director,Officer	Chief Executive Officer	Indirect	Sale	2,690	25.75	$69,273.16	3,000	4
2023-11-09	Armock, Greg L.	Director	-	Direct	Purchase	138	20.14	$2,779.32	10,591	4
2023-11-08	Coulter, Curt E	Director	-	Indirect	Purchase	585	22.01	$12,875.85	1,338	4
2023-11-07	Burke, Michael J Jr	Director,Officer	President	Indirect	Purchase	1,000	21.97	$21,970.00	1,000	4
2023-11-03	Armock, Greg L.	Director	-	Direct	Purchase	4,826	20.14	$97,195.64	10,453	4
2023-11-02	Essex, Bruce John Jr	Director	-	Indirect	Purchase	4,693	19.82	$93,015.26	236,278	4
2023-11-02	Mcconnell, Gregory A	Director	-	Direct	Purchase	1,200	20.10	$24,120.00	28,621	4
2023-05-19	Greenland, Adom	Officer	Secretary	Indirect	Purchase	200	21.15	$4,230.00	3,190	4
2023-05-18	Mcginnis, Bradley F.	Director	-	Indirect	Purchase	1,000	21.17	$21,170.00	13,301	4
2023-05-05	Hendon, Jack	Director	-	Indirect	Purchase	500	22.59	$11,295.00	14,068	4
2023-05-04	Essex, Bruce John Jr	Director	-	Indirect	Purchase	9,000	21.52	$193,680.00	231,349	4
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Institutional Ownership

No data available for chart

2026-03-31

44.95%

Inst. Shares: 6,738,048

Shares Outstanding: 14,990,017

2025-12-31

43.32%

Inst. Shares: 6,039,565

Shares Outstanding: 13,941,260

2025-09-30

43.05%

Inst. Shares: 6,464,178

Shares Outstanding: 15,014,933

2025-06-30

41.16%

Inst. Shares: 6,174,162

Shares Outstanding: 14,999,067

2025-03-31

50.01%

Inst. Shares: 5,338,644

Shares Outstanding: 10,676,068

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	6,738,048	14,990,017	44.95%
2025-12-31	6,039,565	13,941,260	43.32%
2025-09-30	6,464,178	15,014,933	43.05%
2025-06-30	6,174,162	14,999,067	41.16%
2025-03-31	5,338,644	10,676,068	50.01%
2024-12-31	3,240,252	8,166,472	39.68%
2024-09-30	2,978,080	8,567,548	34.76%
2024-06-30	1,515,005	7,569,241	20.02%
2024-03-31	1,474,225	7,552,680	19.52%
2023-12-31	1,417,071	7,532,998	18.81%
2023-09-30	1,249,360	7,537,996	16.57%
2023-06-30	1,263,165	7,529,177	16.78%
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CHOICEONE 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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CHOICEONE FINANCIAL SERVICES INC reported a 38.11% year-over-year revenue growth, a Gross Profit Margin of 68.32% (TTM), a Price-to-Sales (P/S) ratio of 2.35x (TTM), a Price-to-Book (P/B) ratio of 1.05x (TTM), at a market cap of $508.73M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 38.11%
Gross Profit Margin TTM: 68.32%
P/S TTM: 2.35x
P/B TTM: 1.05x
Market Cap: $508.73M

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 is COFS's market cap?

CHOICEONE FINANCIAL SERVICES INC (COFS) has a market capitalization of $508.73M 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 9.30x as of 2026-06-30.

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.