COFS
ChoiceOne Financial Services, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+32/100
Last price
33.09
▲ 0.07 (0.21%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
32.70
Prev close
33.02
Day high
33.19
Day low
32.51
Volume
79.57K
Market cap
$494.88M
P/E (TTM)
9.02
52W range
26.10 – 35.40
Day trading desk
Gap from prior close
-0.97%
Prior close 33.02
VWAP
32.90
+0.58% from price
Relative volume
0.73×
Normal
Session range
2.09%
32.51 – 33.19
Position in range
85%
Near session high
ATR (14D)
0.61
1.85% of price
Prior day high
33.32
PDH
Prior day low
33.01
PDL
Bid / ask spread
—
Quote not published
Session volume
58.36K
Avg 79.69K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+2.41%
+0.5%
1M
-2.13%
-3.6%
3M
+1.01%
-2.4%
6M
+12.86%
-2.1%
YTD
+12.09%
-1.9%
1Y
+15.66%
-0.1%
3Y
+74.53%
-7.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on COFS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
984.22K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 1, 26 | ESSEX BRUCE JOHN JR. Director |
STOCK | 202 | $6.87K | Indirect |
| Jul 1, 26 | PAGE ROXANNE M Director |
STOCK | 202 | $6.87K | Direct |
| Jul 1, 26 | HICKS RANDY D Director |
STOCK | 489 | $16.63K | Indirect |
| Jul 1, 26 | PETTY BRIAN P Director |
STOCK | 489 | $16.63K | Direct |
| Jul 1, 26 | BROPHY KEITH D Director |
STOCK | 345 | $11.73K | Indirect |
| Jul 1, 26 | ARMOCK GREG L Director |
STOCK | 489 | $16.63K | Indirect |
| Jul 1, 26 | MCGINNIS BRADLEY F Director |
STOCK | 489 | $16.63K | Direct |
| Jul 1, 26 | BURROUGH ERIC E Director |
STOCK | 489 | $16.63K | Direct |
| Jul 1, 26 | MCCONNELL GREGORY A Director |
STOCK | 202 | $6.87K | Direct |
| Jul 1, 26 | BURNS HAROLD J Director |
STOCK | 489 | $16.63K | Direct |
| Jul 1, 26 | COULTER CURT E Director |
STOCK | 202 | $6.87K | Direct |
| Jul 1, 26 | WENDLING MICHELLE M Director |
STOCK | 202 | $6.87K | Direct |
| Jul 1, 26 | KRAUSE STEVEN THEODORE Director |
STOCK | 489 | $16.63K | Indirect |
| Apr 30, 26 | POTES KELLY J Chief Executive Officer |
STOCK | 4.42K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ARMOCK GREG L |
Director | — | Stock Award(Grant) |
BURROUGH ERIC E |
Director | 181.48K | Stock Award(Grant) |
ESSEX BRUCE JOHN JR. |
Director | — | Stock Award(Grant) |
HENDON JACK G |
Director | — | Stock Award(Grant) |
HICKS RANDY D |
Director | — | Stock Award(Grant) |
KRAUSE STEVEN THEODORE |
Director | — | Stock Award(Grant) |
MCCONNELL GREGORY A |
Director | 37.45K | Stock Award(Grant) |
MCGINNIS BRADLEY F |
Director | 29.52K | Stock Award(Grant) |
PETTY BRIAN P |
Director | 92.19K | Stock Award(Grant) |
POTES KELLY J |
Chief Executive Officer | 54.15K | Stock Award(Grant) |
Fundamentals
Market cap$494.88M
Enterprise value$747.99M
Revenue (TTM)$169.92M
Gross profit$169.92M
EBITDA—
Net income$54.72M
EPS (TTM)$3.67
Free cash flow—
Total cash$90.18M
Total debt$344.34M
Book value / share$32.29
Shares outstanding14.96M
Float13.70M
Short % of float3.62%
Dividend yield3.51%
Beta (5Y)0.64
Valuation & profitability ratios
Trailing P/E9.02
Forward P/E8.89
PEG ratio-1.29
Price / sales—
Price / book1.02
EV / revenue4.40
EV / EBITDA—
Gross margin0.00%
Operating margin41.75%
Profit margin32.20%
Return on equity11.97%
Return on assets1.25%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $161.74M | $92.44M | $80.79M | $81.39M | +75.0% |
| Operating revenue | $161.74M | $92.44M | $80.79M | $81.39M | +75.0% |
| Selling, general & admin | $55.73M | $35.53M | $33.87M | $31.88M | +56.8% |
| Pre-tax income | $34.19M | $33.09M | $25.57M | $27.66M | +3.3% |
| Tax provision | $6.01M | $6.36M | $4.31M | $4.02M | -5.5% |
| Net income | $28.18M | $26.73M | $21.26M | $23.64M | +5.4% |
| Net income to common | $28.18M | $26.73M | $21.26M | $23.64M | +5.4% |
| Basic EPS | 2.02 | 3.27 | 2.82 | 3.15 | -38.2% |
| Diluted EPS | 2.01 | 3.25 | 2.82 | 3.15 | -38.2% |
| Basic shares | 13.95M | 8.17M | 7.54M | 7.50M | +70.7% |
| Diluted shares | 14.02M | 8.22M | 7.54M | 7.50M | +70.5% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $87.99M | $96.75M | $55.43M | $43.94M | -9.1% |
| Property, plant & equipment | $48.11M | $27.10M | $29.75M | $28.23M | +77.5% |
| Goodwill & intangibles | $157.84M | $61.04M | $61.80M | $62.76M | +158.6% |
| Total assets | $4.41B | $2.72B | $2.58B | $2.39B | +62.0% |
| Current debt | $245.00M | $155.00M | $20.00M | $50.00M | +58.1% |
| Long-term debt | $68.46M | $55.75M | $215.51M | $35.26M | +22.8% |
| Total debt | $313.46M | $210.75M | $235.51M | $85.26M | +48.7% |
| Total liabilities | $3.95B | $2.46B | $2.38B | $2.22B | +60.2% |
| Retained earnings | $102.64M | $91.41M | $73.70M | $68.39M | +12.3% |
| Shareholder equity | $465.35M | $260.42M | $195.63M | $168.87M | +78.7% |
| Net tangible assets | $307.51M | $199.37M | $133.83M | $106.12M | +54.2% |
| Shares issued | 15.00M | 8.97M | 7.55M | 7.52M | +67.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $28.18M | $26.73M | $21.26M | $23.64M | +5.4% |
| Depreciation & amortisation | $19.87M | $12.33M | $12.43M | $13.34M | +61.1% |
| Stock-based compensation | $883.00K | $720.00K | $1.00M | $958.00K | +22.6% |
| Change in working capital | -$15.22M | $13.97M | $14.72M | $2.00M | -208.9% |
| Operating cash flow | $31.81M | $47.08M | $46.33M | $44.33M | -32.4% |
| Capital expenditure | -$6.63M | -$1.71M | -$4.23M | -$1.16M | -288.5% |
| Investing cash flow | $106.69M | -$96.34M | -$181.22M | -$89.81M | +210.7% |
| Share buybacks | -$2.68M | $0 | $0 | -$682.00K | — |
| Dividends paid | -$16.95M | -$9.01M | -$7.91M | -$7.58M | -88.1% |
| Financing cash flow | -$147.26M | $90.58M | $146.37M | $57.54M | -262.6% |
| Free cash flow | $25.19M | $45.38M | $42.10M | $43.16M | -44.5% |
| End cash position | $87.99M | $96.75M | $55.43M | $43.94M | -9.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $41.64M | $42.46M | $42.94M | $44.74M | $42.83M | -1.9% |
| Operating revenue | $41.64M | $42.46M | $42.94M | $44.74M | $42.83M | -1.9% |
| Selling, general & admin | $15.29M | $14.90M | $15.29M | $14.86M | $14.54M | +2.6% |
| Pre-tax income | $15.04M | $16.68M | $16.79M | $18.33M | $16.67M | -9.9% |
| Tax provision | $2.57M | $2.98M | $2.92M | $3.65M | $3.13M | -13.6% |
| Net income | $12.46M | $13.70M | $13.87M | $14.68M | $13.53M | -9.1% |
| Net income to common | $12.46M | $13.70M | $13.87M | $14.68M | $13.53M | -9.1% |
| Basic EPS | 0.83 | 0.91 | 0.92 | 0.98 | 0.90 | -8.8% |
| Diluted EPS | 0.83 | 0.91 | 0.92 | 0.97 | 0.90 | -8.8% |
| Basic shares | 14.96M | 14.99M | 15.07M | 15.01M | 15.00M | -0.2% |
| Diluted shares | 15.01M | 15.04M | 15.07M | 15.06M | 15.04M | -0.2% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $88.65M | $84.22M | $87.99M | $98.98M | $156.28M | +5.3% |
| Property, plant & equipment | $50.38M | $48.67M | $48.11M | $46.16M | $45.67M | +3.5% |
| Goodwill & intangibles | $157.74M | $159.32M | $157.84M | $158.42M | $160.15M | -1.0% |
| Total assets | $4.46B | $4.39B | $4.41B | $4.30B | $4.31B | +1.4% |
| Current debt | $274.85M | $185.00M | $245.00M | $50.00M | $23.70M | +48.6% |
| Long-term debt | $68.65M | $48.55M | $68.46M | $196.37M | $223.00M | +41.4% |
| Total debt | $343.50M | $233.55M | $313.46M | $246.37M | $246.71M | +47.1% |
| Total liabilities | $3.97B | $3.92B | $3.95B | $3.85B | $3.88B | +1.3% |
| Retained earnings | $120.14M | $112.01M | $102.64M | $93.12M | $82.65M | +7.3% |
| Shareholder equity | $482.68M | $470.00M | $465.35M | $449.62M | $431.76M | +2.7% |
| Net tangible assets | $324.94M | $310.68M | $307.51M | $291.19M | $271.61M | +4.6% |
| Shares issued | 14.95M | 14.96M | 15.00M | 15.02M | 15.01M | -0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Net income | $12.46M | $13.70M | $13.87M | $14.68M | $13.53M | — | -9.1% |
| Depreciation & amortisation | $4.74M | $4.93M | $5.32M | $5.50M | $5.41M | — | -3.8% |
| Stock-based compensation | $266.00K | $298.00K | $259.00K | $242.00K | $192.00K | — | -10.7% |
| Change in working capital | $7.76M | -$13.89M | $598.00K | -$4.86M | -$2.36M | — | +155.9% |
| Operating cash flow | $29.94M | -$177.00K | $14.03M | $15.29M | $11.88M | — | +17,017.5% |
| Capital expenditure | -$2.81M | -$1.52M | -$2.12M | -$1.60M | -$2.08M | — | -84.6% |
| Investing cash flow | -$64.53M | $14.56M | -$118.23M | -$42.12M | $7.13M | — | -543.1% |
| Share buybacks | -$1.07M | -$1.44M | -$628.00K | — | — | -$2.06M | +25.4% |
| Dividends paid | -$4.34M | -$4.34M | -$4.35M | -$4.20M | -$4.20M | — | +0.0% |
| Financing cash flow | $39.02M | -$18.16M | $93.20M | -$30.48M | -$2.15M | — | +314.9% |
| Free cash flow | $27.13M | -$1.70M | $11.92M | $13.69M | $9.80M | — | +1,695.0% |
| End cash position | $88.65M | $84.22M | $87.99M | $98.98M | $156.28M | — | +5.3% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.88 | 0.83 | -5.7% |
| Mar 2026 | 0.85 | 0.91 | +7.5% |
| Dec 2025 | 0.90 | 0.92 | +1.8% |
| Sep 2025 | 0.86 | 0.97 | +12.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.93 | 3 | $44.50M | -0.5% |
| Next quarter | 0.93 | 3 | $44.85M | +4.5% |
| Current year | 3.67 | 3 | $174.85M | +8.1% |
| Next year | 3.72 | 3 | $181.35M | +3.7% |
Analyst targets & ownership
Mean target$37.00
High target$38.00
Low target$35.00
Implied upside11.82%
Analyst count3
ConsensusBUY
Strong buy / Buy0 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders6.58%
Held by institutions48.51%
Institutions holding175
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
32.91
+0.54% from price
SMA 20
33.17
-0.24% from price
SMA 50
33.57
-1.43% from price
SMA 100
33.07
+0.07% from price
SMA 200
31.17
+6.16% from price
EMA 12
33.01
+0.24% from price
EMA 26
33.18
-0.28% from price
EMA 50
33.24
-0.46% from price
RSI (14)
48.3
Neutral
MACD (12,26,9)
-0.17
Hist 0.03
ATR (14)
0.61
1.85% of price
Realised vol 30D
14.6%
Annualised
Bollinger upper
34.14
20, 2σ
Bollinger lower
32.20
20, 2σ
50 / 200 cross
Golden
33.57 vs 31.17
Trend bias
Above 200
+6.16%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.51
Less volatile than market
Correlation to SPY
0.24
Largely independent
Realised vol 30D
14.6%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-16.2%
Peak to trough
Max drawdown 5Y
-44.0%
Peak to trough
ATR 14
0.61
1.85% of price
Beta (reported)
0.64
5Y monthly, from filing
Short interest
Shares short
516.96K
Prior 394.55K
Change vs prior
+31.0%
Shorts adding
% of float
3.62%
Normal
% of shares out
3.46%
Against total outstanding
Days to cover
7.3
Crowded exit
Float
13.70M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 28, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Apr 27, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Feb 3, 26 | DA Davidson | MAINTAINED | Buy | Buy |
| Jan 7, 26 | Hovde Group | DOWNGRADE | Outperform | Market Perform |
| Mar 3, 25 | Janney Montgomery Scott | UPGRADE | Neutral | Buy |
| Jan 27, 25 | DA Davidson | MAINTAINED | Buy | Buy |
| Oct 18, 24 | DA Davidson | INITIATED | — | Buy |
| Sep 27, 23 | Janney Montgomery Scott | INITIATED | — | Neutral |
Dividends & splits
Forward rate$1.16 / yr
Forward yield3.51%
5-year avg yield3.88%
Payout ratio31.34%
Ex-dividend dateSep 15, 2026
Next pay dateSep 30, 2026
Last split105:100
Split dateMay 9, 2018
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-24
A correspondence can be sent as a document with another submission type or can be sent as a separate submission
CORRESP · 2026-06-15
Corporate Changes & Voting Matters
8-K/A · 2026-05-27
Corporate Changes & Voting Matters
8-K · 2026-05-22
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-05-05
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.