COFS
Choiceone Financial Services IncPrice & Indicators
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 BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Annualized cost of funds | 1.73% | Q1 2026 | — |
| Annualized net loan charge-offs to average loans | 0.01% | Q1 2026 | — |
| Core loans annualized decline | -4.2% | Q1 2026 | — |
| Deposits excluding brokered deposits annualized growth | 7.9% | Q1 2026 | — |
| Net Interest Margin | 3.63% | Q1 2026 | — |
| Uninsured deposits percentage of total deposits | 30.7% | as of March 31, 2026 | — |
| Diluted earnings per share excluding merger expenses, net of taxes, and merger related provision non-GAAP | $3.68 | year ended December 31, 2025 | — |
| Uninsured deposits percentage of deposits | 33.2% | as of December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$485.49M | +11.0% | +63.6% | 7.7 | 1.8% |
|
HDB
Hdfc Bank Ltd
|
$134.25B | -28.4% | +15.2% | — | 0.3% |
|
MFG
Mizuho Financial Group Inc
|
$123.95B | +39.2% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$103.47B | -3.2% | — | — | 0.7% |
|
PNC
Pnc Financial Services Group, Inc.
|
$99.00B | +19.0% | +7.2% | 14.3 | 1.9% |
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 | -4.7% | +1.3% | +18.4% | -4.7% | +11.0% |
| SPY | -0.2% | +0.8% | +7.4% | -0.2% | +9.3% |
| vs SPY | -4.5% | +0.4% | +10.9% | -4.5% | +1.7% |
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.