Choiceone Financial Services Inc (COFS) Stock Price & Analysis
Choiceone Financial Services Inc (COFS) fell 2.82% to USD 32.72 as of July 26, 2026 at 00:04 UTC, according to Nexqual real-time market data.
COFS last closed at USD 33.67; the session ranged USD 30.65–33.63 on volume of 143,856 shares. Market capitalization is $489.18M, with a 52-week range of USD 26.1–35.4 (NCM). Source: Nexqual, July 26, 2026 at 00:04 UTC.
Key Statistics (as of July 26, 2026 at 00:04 UTC)
| Price | USD 32.72 |
|---|---|
| Change | ▼ 2.82% (down) |
| Previous Close | USD 33.67 |
| Open | USD 31 |
| Day Range | USD 30.65 – 33.63 |
| 52-Week Range | USD 26.1 – 35.4 |
| Volume | 143,856 shares |
| Market Cap | $489.18M |
| Exchange | NCM |
Technical Analysis (COFS)
Nexqual's technical model rates COFS "NEUTRAL" based on 3 bullish and 2 bearish signals across 125 daily candles, as of July 26, 2026 at 00:04 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 46.72 (neutral) |
| vs SMA50 | Above (USD 32.42) |
| MACD | 0.32 (positive) |
Analyst Ratings (COFS)
Wall Street analysts rate COFS "None" based on 3 analysts, with a mean price target of USD 34.33 (range USD 32–36), per Nexqual as of July 26, 2026 at 00:04 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 34.33 |
| High Target | USD 36 |
| Low Target | USD 32 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (COFS)
| Next Earnings Date | 2026-10-23 |
|---|---|
| EPS Estimate | USD 0.9 |
| Revenue Estimate | $44.20M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.83 vs est 0.88 ▼ miss |
| 2026-03-31 | USD 0.91 vs est 0.85 ▲ beat |
| 2025-12-31 | USD 0.92 vs est 0.9 ▲ beat |
| 2025-09-30 | USD 0.97 vs est 0.86 ▲ beat |
Source: Nexqual, July 26, 2026 at 00:04 UTC.
Financials & Fundamentals (COFS)
| Total Revenue | $169.92M |
|---|---|
| Revenue Growth (YoY) | -1.90% |
| Gross Margin | +0.00% |
| Operating Margin | +41.75% |
| Profit Margin | +32.20% |
| ROE | +11.97% |
| Total Cash | $88.65M |
| Total Debt | $343.50M |
Source: Nexqual, July 26, 2026 at 00:04 UTC.
Financial Health Score (COFS)
Nexqual rates Choiceone Financial Services Inc's overall financial health "Mixed" across five dimensions, as of July 26, 2026 at 00:04 UTC.
| Growth | Strong — Revenue +75% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $89M cash vs $343M debt |
| Cash Flow | Mixed — No data |
| Efficiency | Mixed — ROE 12%, ROA 1.2% |
Ownership (COFS)
| Insider Ownership | +6.55% |
|---|---|
| Institutional Ownership | +46.29% |
| Shares Outstanding | 14.95M |
| Float | 13.71M |
| Short % of Float | +2.08% |
Source: Nexqual, July 26, 2026 at 00:04 UTC.
Leadership (COFS)
Choiceone Financial Services Inc is led by Kelly J. Potes CFP (age 63), CEO & Director, per Nexqual as of July 26, 2026 at 00:04 UTC.
| CEO & Director | Kelly J. Potes CFP (age 63) |
|---|---|
| President & Director | Michael J. Burke (age 55) |
| CFO, Executive VP, Secretary & Treasurer | Adom J. Greenland (age 44) |
| Vice President of Marketing | Danielle Chateauvert |
Major Backers & Investors (COFS)
Notable institutional backers of Choiceone Financial Services Inc include Alliancebernstein L.P., Hotchkis & Wiley Capital Management, LLC, ProShare Advisors, LLC, according to Nexqual as of July 26, 2026 at 00:04 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Alliancebernstein L.P. | 4.95% |
| Hotchkis & Wiley Capital Management, LLC | 3.12% |
| ProShare Advisors, LLC | 3.05% |
| Manufacturers Life Insurance Co. | 3.05% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 19.69% |
| Vanguard Group | 17.25% |
| Northern Trust | 9.54% |
| State Street | 6.01% |
| Geode Capital | 4.84% |
| Dimensional Fund Advisors | 3.32% |
Source: Nexqual, July 26, 2026 at 00:04 UTC.
From Choiceone Financial Services Inc's Latest SEC 10-K Filing (filed 2026-03-13)
Key Strengths & Strategy (as disclosed to the SEC)
- ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan.
- The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services.
- It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties.
- In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| FDBC | Fidelity D & D Bancorp, Inc. | USD 51.55 | ▲ 0.39% |
| FRAF | Franklin Financial Services Cor | USD 62.28 | ▲ 0.96% |
| BWFG | Bankwell Financial Group, Inc. | USD 62.21 | ▲ 4.55% |
| CBFV | CB Financial Services, Inc. | USD 35.9 | ▲ 0.87% |
| CHMG | Chemung Financial Corp | USD 80.98 | ▲ 8.05% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 26, 2026 at 00:04 UTC. This page is informational and not investment advice.