COFS · Choiceone Financial Services Inc
$33.14
-0.10 (-0.30%)
At close · Aug 21
Market Cap
$497.12M
Shares
14.96M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$33.14
Open$33.37
Day$32.75–33.62
52W close$26.29–34.62
Avg vol 30d86K
Short int312K · 2.1% float · 3.1d
Short vol73%
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 15.1 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+8%
above
Price vs 50-day avg
−1%
below
RSI (14)
42
neutral
MACD trend
Negative
52-week position
82%
mid-range
Momentum
relative strength
1-month return
+1%
trailing
6-month return
+13%
trailing
YTD return
+12%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $34 › 200d $31 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +25 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.08% of float · ▲ +5.1% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
126 holders — near 3-yr high, broad support
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
+64%
Y/Y
EPS growth
−38%
Y/Y
Free cash flow
$25.2M
Balance sheet
$88.0M
net cash
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−16%
past year
ATR
2.7%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+8%
Bullish
Price vs 50-day avg
−1%
Neutral
RSI (14)
42
Neutral
MACD trend
Negative
Bearish
52-week position
82%
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $34 › 200d $31 — 50d above 200d
Institutional flow
Accumulating
+6% holders QoQ · +25 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.08% of float · ▲ +5.1% MoM · 3.1 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
126 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $26
Now $33 · 82%
Range high $35
vs 200-day avg +8%
vs 50-day avg -1%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized cost of deposits to average total deposits | 1.58% | the second quarter of 2026 | — |
| Annualized cost of funds | 1.77% | the second quarter of 2026 | — |
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| Annualized net charge-offs of average loans | 0.04% | the second quarter of 2026 | — |
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| Core loans | $87.1M | the second quarter of 2026 | — |
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| Core loans (gross loans excluding 1 and 2 above) | 3.02B | 2026 2nd Qtr. | — |
| Deposits, excluding brokered deposits | $55.4M | the second quarter of 2026 | — |
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| Full-time equivalent employees | 577 | 2026 2nd Qtr. | — |
| Nonperforming loans to total loans (excludes held for sale) attributed to PCD | 0.49% | 2026 2nd Qtr. | — |
| Nonperforming loans to total loans, excluding loans held for sale | 1.07% | the second quarter of 2026 | — |
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| Ratio of the allowance for credit losses to total loans (excluding loans held for sale) | 1.16% | the second quarter of 2026 | — |
| Tangible book value per share (non-GAAP) non-GAAP | $21.73 | 2026 2nd Qtr. | — |
| Uninsured deposits percentage of deposits | 33.1% | the second quarter of 2026 | — |
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| Net Interest Margin | 3.63% | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
COFS
this stock
Choiceone Financial Services Inc
|
$497.12M | +12.3% | +63.6% | — | 2.1% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| COFS | -3.6% | +1.3% | +12.6% | -2.6% | +12.3% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -2.2% | -2.4% | +1.1% | -5.1% | 0.0% |
Capital returns
Latest dividend
$0.29
/ share · ex Jun 15, 2026
Paid (TTM)
$1.15
/ share · 4 payouts
Dividend yield (TTM, derived)
3.47%
Buyback program
· as of Jun 30, 2026
Authorized
shares 375,388
Spent (derived)
shares 110,116
Remaining
shares 265,272
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
803164
CUSIP
170386106
13F (30d)
111 filings
111 filers
Visit website
Investor relations