Choiceone Financial Services Inc (COFS) Stock Price & Analysis
Choiceone Financial Services Inc (COFS) rose 1.19% to USD 32.4 as of June 10, 2026 at 08:38 UTC, according to Nexqual real-time market data.
COFS last closed at USD 32.02; the session ranged USD 32–32.88 on volume of 78,320 shares. Market capitalization is $485.19M, with a 52-week range of USD 26.1–35.4 (NCM). Source: Nexqual, June 10, 2026 at 08:38 UTC.
Key Statistics (as of June 10, 2026 at 08:38 UTC)
| Price | USD 32.4 |
|---|---|
| Change | ▲ 1.19% (up) |
| Previous Close | USD 32.02 |
| Open | USD 32.26 |
| Day Range | USD 32 – 32.88 |
| 52-Week Range | USD 26.1 – 35.4 |
| Volume | 78,320 shares |
| Market Cap | $485.19M |
| Exchange | NCM |
Technical Analysis (COFS)
Nexqual's technical model rates COFS "STRONG BUY" based on 5 bullish and 0 bearish signals across 123 daily candles, as of June 10, 2026 at 08:38 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 59.38 (neutral) |
| vs SMA50 | Above (USD 30.42) |
| MACD | 0.33 (positive) |
Analyst Ratings (COFS)
Wall Street analysts rate COFS "None" based on 3 analysts, with a mean price target of USD 33.67 (range USD 32–35), per Nexqual as of June 10, 2026 at 08:38 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 3 |
| Mean Target | USD 33.67 |
| High Target | USD 35 |
| Low Target | USD 32 |
| Buy / Hold / Sell | 2 / 1 / 0 |
Earnings (COFS)
| Next Earnings Date | 2026-07-24 |
|---|---|
| EPS Estimate | USD 0.88 |
| Revenue Estimate | $43.45M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 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 |
| 2025-06-30 | USD 0.91 vs est 0.78 ▲ beat |
Source: Nexqual, June 10, 2026 at 08:38 UTC.
Financials & Fundamentals (COFS)
| Total Revenue | $171.01M |
|---|---|
| Revenue Growth (YoY) | +135.00% |
| Gross Margin | +0.00% |
| Operating Margin | +44.60% |
| Profit Margin | +32.62% |
| ROE | +12.44% |
| Total Cash | $85.75M |
| Total Debt | $234.50M |
Source: Nexqual, June 10, 2026 at 08:38 UTC.
Financial Health Score (COFS)
Nexqual rates Choiceone Financial Services Inc's overall financial health "Mixed" across five dimensions, as of June 10, 2026 at 08:38 UTC.
| Growth | Strong — Revenue +75% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $86M cash vs $234M debt |
| Cash Flow | Solid — Operating cash flow $41M |
| Efficiency | Mixed — ROE 12%, ROA 1.3% |
Ownership (COFS)
| Insider Ownership | +6.53% |
|---|---|
| Institutional Ownership | +46.04% |
| Shares Outstanding | 14.98M |
| Float | 13.70M |
| Short % of Float | +1.54% |
Source: Nexqual, June 10, 2026 at 08:38 UTC.
Leadership (COFS)
Choiceone Financial Services Inc is led by Kelly J. Potes CFP (age 63), CEO & Director, per Nexqual as of June 10, 2026 at 08:38 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 June 10, 2026 at 08:38 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 | 19.58% |
| Vanguard Group | 18.23% |
| Northern Trust | 9.54% |
| Geode Capital | 4.84% |
| State Street | 4.43% |
| Dimensional Fund Advisors | 3.32% |
Source: Nexqual, June 10, 2026 at 08:38 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 50.39 | ▲ 5.97% |
| FRAF | Franklin Financial Services Cor | USD 61.13 | ▲ 4.09% |
| BWFG | Bankwell Financial Group, Inc. | USD 55.31 | ▲ 3.06% |
| CBFV | CB Financial Services, Inc. | USD 34.71 | ▲ 1.7% |
| CHMG | Chemung Financial Corp | USD 71.47 | ▲ 0.62% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: June 10, 2026 at 08:38 UTC. This page is informational and not investment advice.