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ChoiceOne Financial Services, Inc.

corporate_fare Company Profile

ChoiceOne Financial Services, Inc.

COFS·NASDAQ·Finance·CIK 0000803164

ChoiceOne Financial Services, Inc. is a financial holding company incorporated on February 24, 1986, as a Michigan corporation. The company's primary business is banking, conducted through its wholly owned subsidiary, ChoiceOne Bank. ChoiceOne Bank is a full-service banking institution providing various deposit, payment, credit, and other financial services to all types of customers. The company has expanded through several mergers and consolidations. On November 1, 2006, Valley Ridge Financial Corp. merged into the company, and its bank, Valley Ridge Bank, consolidated into ChoiceOne Bank in December 2006. On October 1, 2019, County Bank Corp. merged into the company, and its bank, Lakestone Bank & Trust, consolidated into ChoiceOne Bank in May 2020. On July 1, 2020, Community Shores Bank Corporation merged into the company, and Community Shores Bank consolidated into ChoiceOne Bank in October 2020. Most recently, on March 1, 2025, Fentura Financial, Inc. merged into the company, and its bank, The State Bank, consolidated into ChoiceOne Bank on March 14, 2025. Beyond banking, ChoiceOne Bank owns ChoiceOne Insurance Agencies, Inc., an independent insurance agency headquartered in Sparta, Michigan. Additionally, on July 18, 2023, the company organized 109 Technologies, LLC as a wholly owned subsidiary to own intellectual property for a fintech product intended for licensing to third-party banks and bank holding companies.

ChoiceOne Financial Services, Inc. (NASDAQ:COFS) is a publicly traded company in the Finance sector. Wiseek has independently scored 10 items for COFS at importance 7 or higher on its 1–10 market-impact scale. Its most recent item scored 7 or higher is dated 2026-07-24, rated 7/10. Across its 10 most recent items scored 7 or higher, the top rating is 8/10, with 4 rated 8 or above. Recent SEC coverage for COFS spans 8-K, S-3, 10-Q, 10-K.

Recent high-impact activity:

  • ChoiceOne Q2 Profit Drops on $1.9M Securities Loss; Loan Growth Stays Strong
  • ChoiceOne Q2 2026: Net Income Hits $12.5M as Core Loans Surge 11.9% Annualized, Though NIM Slips to 3.59%
  • ChoiceOne Financial Files $100M Universal Shelf Registration for Future Capital Raises
  • ChoiceOne Financial Reports Strong Q1 Earnings, Bolsters Executive Retention with New Agreements
  • ChoiceOne Financial Services Releases Comprehensive Q1 2026 Investor Presentation

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$227.62M
Net Income
$28.18M
Diluted EPS
$2.01
Op. Cash Flow
$31.81M
Free Cash Flow
$25.19M
Cash & Equivalents
$87.99M
Debt / Equity
0.00×
Net Margin
12.4%
Shares Outstanding
15M sh
Source: 10-K · filed 2026-03-13 · accession 0001193125-26-105046

Short Interest & Short Volume

7.92 days to cover

FINRA reported short interest of 516,958 shares in COFS as of the September 15, 2026 settlement, a 14.2% increase from the prior period — about 7.9 days to cover at its recent average daily volume. On October 2, 2026, 43.3% of COFS volume reported to FINRA trade-reporting facilities was marked short.

Short interest (bi-monthly positions)516,958 shares as of September 15, 2026
Change vs prior period▲ 14.2%
Days to cover7.92 at avg daily volume of 65,256
Daily short volume (FINRA facilities)43.3% of 27,865 shares on October 2, 2026
5-day average short volume46.5%

Daily short sale volume covers trades reported to FINRA trade-reporting facilities and is not the same as short interest (bi-monthly reported positions). Source: FINRA — FINRA is the owner and source of this short interest and short sale volume data; it may not be redistributed.

Dilution Risk

Low risk

Filing-implied dilution signals for COFS, detected from its recent SEC filings · based on capital-structure filings through 2026-05-22.

1 shelf registration

Universal Shelf Registration Filed · Potential Future Dilution

⚠ A more recent filing has been published for this ticker since this signal was computed; it may not yet be reflected — see the filings below.

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

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$33.11
52-week range · as of 2026-07-24 $26.09 – $35.4
Market cap
$495.18M
Volume
84.8K (1.1× avg)
3-mo avg 74.7K
Live data · 2026-10-03 11:11 UTC · Market closed

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feed COFS - Latest Insights

COFS
Jul 24, 2026, 7:29 AM EDT
Source: Reuters
Importance Score:
7
Price at Filing: $33.00
Real-time Price: $33.11 info
Change: +$0.110 (+0.33%) info
Market Cap: $495.177M info
COFS
Jul 24, 2026, 7:00 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $33.75
Real-time Price: $33.11 info
Change: -$0.640 (-2%) info
Market Cap: $495.177M info
COFS
May 22, 2026, 9:00 AM EDT
Filing Type: S-3
Importance Score:
7
Price at Filing: $31.61
Real-time Price: $33.11 info
Change: +$1.50 (+5%) info
Market Cap: $495.177M info
COFS
May 11, 2026, 4:02 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $30.94
Real-time Price: $33.11 info
Change: +$2.17 (+7%) info
Market Cap: $495.177M info
COFS
May 05, 2026, 8:30 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $30.23
Real-time Price: $33.11 info
Change: +$2.88 (+10%) info
Market Cap: $495.177M info
COFS
Apr 24, 2026, 7:45 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $30.42
Real-time Price: $33.11 info
Change: +$2.69 (+9%) info
Market Cap: $495.177M info
COFS
Apr 24, 2026, 7:40 AM EDT
Source: Reuters
Importance Score:
8
Price at Filing: $30.42
Real-time Price: $33.11 info
Change: +$2.69 (+9%) info
Market Cap: $495.177M info
COFS
Mar 13, 2026, 7:31 AM EDT
Filing Type: 10-K
Importance Score:
8
Price at Filing: $27.72
Real-time Price: $33.11 info
Change: +$5.39 (+19%) info
Market Cap: $495.177M info
COFS
Feb 04, 2026, 9:12 AM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $30.32
Real-time Price: $33.11 info
Change: +$2.79 (+9%) info
Market Cap: $495.177M info
COFS
Jan 30, 2026, 7:40 AM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $29.56
Real-time Price: $33.11 info
Change: +$3.55 (+12%) info
Market Cap: $495.177M info
Research tools: Filing Impact Index Dilution Tracker Split Calendar Open Datasets