COFS · Choiceone Financial Services Inc
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 three months ended June 30, 2026 filing | — |
| Annualized cost of funds | 1.77% | the three months ended June 30, 2026 filing | — |
| Annualized net loan charge-offs to average loans | 0.04% | the second quarter of 2026 filing | — |
| Annualized return on average assets | 1.13% | the second quarter of 2026 filing | — |
| Annualized return on average shareholders' equity | 10.46% | the second quarter of 2026 filing | — |
| Cash dividend payout percentage | 34.8% | the second quarter of 2026 filing | — |
| Core loan growth (annualized) | 11.9% | the second quarter of 2026 filing | — |
| Net interest margin (tax-equivalent basis) non-GAAP | 3.63% | the three months ended June 30, 2026 filing | — |
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
|
$494.80M | +11.9% | +63.6% | 9.0 | 3.5% |
|
MFG
Mizuho Financial Group Inc
|
$129.14B | +45.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$113.12B | -39.8% | -3.2% | — | 0.7% |
|
ITUB
Itau Unibanco Holding S.A.
|
$108.34B | +37.3% | — | — | 0.2% |
|
IBN
Icici Bank Ltd
|
$100.14B | -6.4% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| COFS | +0.5% | -2.7% | +6.7% | +2.2% | +11.9% |
| SPY | +1.3% | +2.1% | +9.0% | +1.5% | +13.5% |
| vs SPY | -0.8% | -4.8% | -2.3% | +0.7% | -1.6% |
Capital returns
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.