COFS
Choiceone Financial Services Inc Financials State Commercial Banks Russell 3000
$35.45Close
$531.8MMarket cap
$26.79 – $35.4552-week range
Jan 29, 2027Next report · estimated
Highlights
Strengths
- In a stage-2 uptrend all 8 trend conditions pass
- Near its high at its 52-week high
Cautions
- Earnings shrinking EPS −8% year on year
Price
Filing Results Screen pick 52-week high and low Adjusted prices
Key figures
Off 12-month high
0%
1wk
up 3.5%
price change
1mo
up 9.7%
price change
12-month return
up 27%
market up 11% ·
its own up 15%
F-score
—
— Not assessed
Altman Z
—
Unknown
P/E
18.9×
price / earnings
PEG
—
P/E / EPS growth
P/B
1.1×
price / book
Earnings yield
—
EBIT / enterprise value
Cheaper than
—
of the market · not assessed
Revenue growth
up 64%
year on year
EPS growth
down 8%
latest quarter
Sales growth
down 3%
latest quarter · -34 pts
ROE
up 8%
return on equity
Free cash margin
—
D/E
—
long-term debt / equity
Net debt / EBITDA
—
Interest cover
—EBIT / interest
Trade setup
ATR%
2.6%
$0.91 a day · 2×ATR $33.62
RS
71 / 99
vs the universe
Trend
8 / 8
trend template
Relative volume
1.0×
vs 50-day average
Up/down volume
0.93
50 sessions
Implied move
—
no scheduled report
Trend template · 8 of 8
Screen verdict
Did not qualify for any screen.
Warning signs
- Shareholders diluted The share count rose 67.3% over the year, from 9m to 15m shares. Each existing share owns a smaller fraction of the company than it did a year ago.
Last reported
Oct 30, 2026
Results reaction
Oct 30, 2026+3% vs market2 sessions after results
Financials
- Net 12%
- Cash
- Long-term debt
| FY2020Dec 31, 2020 | FY2021Dec 31, 2021 | FY2022Dec 31, 2022 | FY2023Dec 31, 2023 | FY2024Dec 31, 2024 | FY2025Dec 31, 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $73.8M | $79.8M | $89.1M | $113.9M | $139.1M | $227.6M |
| Net income | $15.6M | $22.0M | $23.6M | $21.3M | $26.7M | $28.2M |
| Net margin | 21% | 28% | 27% | 19% | 19% | 12% |
| Earnings per share | $2.07 | $2.86 | $3.14 | $2.81 | $3.25 | $2.01 |
| Cash | $79.5M | $31.9M | $43.9M | $55.4M | $96.8M | $88.0M |
| Shareholders' equity | $227.3M | $221.7M | $160.8M | $195.6M | $260.4M | $465.4M |
| Shares outstanding | 7.80m | 7.51m | 7.52m | 7.55m | 8.97m | 15m |
Filings
| Filed | Report | Period to | Lag |
|---|---|---|---|
| Aug 10, 2026 | Quarterly ↗ | Jun 30, 2026 | 41d |
| May 11, 2026 | Quarterly ↗ | Mar 31, 2026 | 41d |
| Mar 13, 2026 | Annual ↗ | Dec 31, 2025 | 72d |
| Nov 10, 2025 | Quarterly ↗ | Sep 30, 2025 | 41d |
| Aug 8, 2025 | Quarterly ↗ | Jun 30, 2025 | 39d |
| May 12, 2025 | Quarterly ↗ | Mar 31, 2025 | 42d |
| Mar 11, 2025 | Annual ↗ | Dec 31, 2024 | 70d |
| Nov 8, 2024 | Quarterly ↗ | Sep 30, 2024 | 39d |
| Aug 14, 2024 | Quarterly ↗ | Jun 30, 2024 | 45d |
| May 7, 2024 | Quarterly ↗ | Mar 31, 2024 | 37d |
| Mar 13, 2024 | Annual ↗ | Dec 31, 2023 | 73d |
| Nov 13, 2023 | Quarterly ↗ | Sep 30, 2023 | 44d |
Current reports
| Filed | Disclosed |
|---|---|
| Oct 30, 2026 | Results ↗ |
| Jul 24, 2026 | Results ↗ |
| May 22, 2026 | Shareholder vote ↗ |
| May 20, 2026 | Regulation FD ↗ |
| May 5, 2026 | Regulation FD ↗ |
| Apr 24, 2026 | Results ↗ |
| Feb 4, 2026 | Regulation FD ↗ |
| Jan 30, 2026 | Results ↗ |
| Nov 6, 2025 | Regulation FD ↗ |
| Oct 24, 2025 | Agreement ended ↗ |
| Jul 25, 2025 | Results ↗ |
| Jun 27, 2025 | Director or officer change ↗ |