ChoiceOne Financial Services, Inc. (COFS)

Last Closing Price: 29.17 (2025-06-26)

Profile
Ticker
COFS
Security Name
ChoiceOne Financial Services, Inc.
Exchange
NASDAQ
Sector
Financial Services
Industry
Banks - Regional
Free Float
14,095,000
Market Capitalization
432,000,000
Average Volume (Last 20 Days)
109,601
Beta (Past 60 Months)
0.56
Percentage Held By Insiders (Latest Annual Proxy Report)
5.93
Percentage Held By Institutions (Latest 13F Reports)
19.90
Recent Price/Volume
Closing Price
29.17
Opening Price
28.80
High Price
29.48
Low Price
28.80
Volume
73,000
Previous Closing Price
28.83
Previous Opening Price
29.10
Previous High Price
29.21
Previous Low Price
28.83
Previous Volume
72,000
High/Low Price
52-Week High Price
37.12
26-Week High Price
35.86
13-Week High Price
30.48
4-Week High Price
30.48
2-Week High Price
29.54
1-Week High Price
29.54
52-Week Low Price
24.12
26-Week Low Price
24.65
13-Week Low Price
24.65
4-Week Low Price
27.18
2-Week Low Price
27.18
1-Week Low Price
27.56
High/Low Volume
52-Week High Volume
538,000
26-Week High Volume
538,000
13-Week High Volume
538,000
4-Week High Volume
538,000
2-Week High Volume
538,000
1-Week High Volume
538,000
52-Week Low Volume
1,500
26-Week Low Volume
9,900
13-Week Low Volume
31,000
4-Week Low Volume
37,400
2-Week Low Volume
72,000
1-Week Low Volume
72,000
Money Flow
Total Money Flow, Past 52 Weeks
333,661,083
Total Money Flow, Past 26 Weeks
213,636,782
Total Money Flow, Past 13 Weeks
144,846,136
Total Money Flow, Past 4 Weeks
63,331,172
Total Money Flow, Past 2 Weeks
41,452,762
Total Money Flow, Past Week
28,791,335
Total Money Flow, 1 Day
2,128,072
Total Volume
Total Volume, Past 52 Weeks
11,226,000
Total Volume, Past 26 Weeks
7,333,900
Total Volume, Past 13 Weeks
5,128,800
Total Volume, Past 4 Weeks
2,218,300
Total Volume, Past 2 Weeks
1,470,000
Total Volume, Past Week
1,018,000
Percent Change in Price
Percent Change in Price, Past 52 Weeks
10.87
Percent Change in Price, Past 26 Weeks
-17.94
Percent Change in Price, Past 13 Weeks
0.85
Percent Change in Price, Past 4 Weeks
-0.27
Percent Change in Price, Past 2 Weeks
-0.17
Percent Change in Price, Past Week
4.59
Percent Change in Price, 1 Day
1.18
New High/Low in Price
Reached New 52-Week High Price
False
Reached New 26-Week High Price
False
Reached New 13-Week High Price
False
Reached New 4-Week High Price
False
Reached New 2-Week High Price
False
Reached New 1-Week High Price
False
Reached New 52-Week Low Price
False
Reached New 26-Week Low Price
False
Reached New 13-Week Low Price
False
Reached New 4-Week Low Price
False
Reached New 2-Week Low Price
False
Reached New 1-Week Low Price
False
Consecutive Days/Weeks of Increasing/Decreasing Price
Consecutive Days of Increasing Price
1
Consecutive Weeks of Increasing Price
0
Consecutive Days of Decreasing Price
0
Consecutive Weeks of Decreasing Price
1
Consecutive Days/Weeks of Increasing/Decreasing Volume
Consecutive Days of Increasing Volume
1
Consecutive Weeks of Increasing Volume
2
Consecutive Days of Decreasing Volume
0
Consecutive Weeks of Decreasing Volume
0
New High/Low in Volume
Had New 52-Week High Volume
False
Had New 26-Week High Volume
False
Had New 13-Week High Volume
False
Had New 4-Week High Volume
False
Had New 2-Week High Volume
False
Had New 1-Week High Volume
False
Had New 52-Week Low Volume
False
Had New 26-Week Low Volume
False
Had New 13-Week Low Volume
False
Had New 4-Week Low Volume
False
Had New 2-Week Low Volume
False
Had New 1-Week Low Volume
False
Moving Averages
Simple Moving Average (5-Day)
28.70
Simple Moving Average (10-Day)
28.42
Simple Moving Average (20-Day)
28.76
Simple Moving Average (50-Day)
28.54
Simple Moving Average (100-Day)
29.05
Simple Moving Average (200-Day)
30.94
Previous Simple Moving Average (5-Day)
28.43
Previous Simple Moving Average (10-Day)
28.47
Previous Simple Moving Average (20-Day)
28.76
Previous Simple Moving Average (50-Day)
28.46
Previous Simple Moving Average (100-Day)
29.09
Previous Simple Moving Average (200-Day)
30.94
Technical Indicators
MACD (12, 26, 9)
-0.05
MACD (12, 26, 9) Signal
-0.07
Previous MACD (12, 26, 9)
-0.10
Previous MACD (12, 26, 9) Signal
-0.07
RSI (14-Day)
54.39
Previous RSI (14-Day)
51.26
Stochastic (14, 3, 3) %K
56.41
Stochastic (14, 3, 3) %D
48.74
Previous Stochastic (14, 3, 3) %K
49.65
Previous Stochastic (14, 3, 3) %D
38.89
Upper Bollinger Band (20, 2)
30.05
Lower Bollinger Band (20, 2)
27.47
Previous Upper Bollinger Band (20, 2)
30.06
Previous Lower Bollinger Band (20, 2)
27.47
Income Statement Financials
Quarterly Revenue (MRQ)
44,881,000
Quarterly Net Income (MRQ)
-13,906,000
Previous Quarterly Revenue (QoQ)
36,032,000
Previous Quarterly Revenue (YoY)
32,483,000
Previous Quarterly Net Income (QoQ)
7,159,000
Previous Quarterly Net Income (YoY)
5,634,000
Revenue (MRY)
139,099,000
Net Income (MRY)
26,727,000
Previous Annual Revenue
113,886,000
Previous Net Income
21,261,000
Cost of Goods Sold (MRY)
46,662,000
Gross Profit (MRY)
92,437,000
Operating Expenses (MRY)
104,971,000
Operating Income (MRY)
34,128,000
Non-Operating Income/Expense (MRY)
-1,039,000
Pre-Tax Income (MRY)
33,089,000
Normalized Pre-Tax Income (MRY)
33,089,000
Income after Taxes (MRY)
26,727,000
Income from Continuous Operations (MRY)
26,727,000
Consolidated Net Income/Loss (MRY)
26,727,000
Normalized Income after Taxes (MRY)
26,727,000
EBIT (MRY)
EBITDA (MRY)
Balance Sheet Financials
Current Assets (MRQ)
3,033,750,000
Property, Plant, and Equipment (MRQ)
44,284,000
Long-Term Assets (MRQ)
1,271,641,000
Total Assets (MRQ)
4,305,391,000
Current Liabilities (MRQ)
3,651,729,000
Long-Term Debt (MRQ)
185,516,000
Long-Term Liabilities (MRQ)
226,594,000
Total Liabilities (MRQ)
3,878,323,000
Common Equity (MRQ)
427,068,000
Tangible Shareholders Equity (MRQ)
265,185,100
Shareholders Equity (MRQ)
427,068,000
Common Shares Outstanding (MRQ)
14,975,000
Cash Flow Statement Financials
Cash Flow from Operating Activities (MRY)
48,646,000
Cash Flow from Investing Activities (MRY)
-97,910,000
Cash Flow from Financial Activities (MRY)
90,582,000
Beginning Cash (MRY)
55,433,000
End Cash (MRY)
96,751,000
Increase/Decrease in Cash (MRY)
41,318,000
Fundamental Ratios
PE Ratio (Current Year Earnings Estimate)
8.42
PE Ratio (Trailing 12 Months)
8.26
PEG Ratio (Long Term Growth Estimate)
Price to Sales Ratio (Trailing 12 Months)
2.85
Price to Book Ratio (Most Recent Quarterly Book Value per Share)
1.01
Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
6.45
Pre-Tax Margin (Trailing 12 Months)
5.71
Net Margin (Trailing 12 Months)
4.74
Return on Equity (Trailing 12 Months)
10.93
Return on Assets (Trailing 12 Months)
1.01
Current Ratio (Most Recent Fiscal Quarter)
0.83
Quick Ratio (Most Recent Fiscal Quarter)
0.83
Debt to Common Equity (Most Recent Fiscal Quarter)
0.43
Inventory Turnover (Trailing 12 Months)
6.23
Book Value per Share (Most Recent Fiscal Quarter)
29.05
Earnings
Fiscal Period End, Next Quarterly Earnings Report
2025-06-30
Quarterly Earnings per Share Estimate
0.81
Next Expected Quarterly Earnings Report Date
2025-07-24
Days Until Next Expected Quarterly Earnings Report
27
Fiscal Period End, Last Quarterly Earnings Report
2025-03-31
Last Quarterly Earnings per Share Estimate
0.82
Last Quarterly Earnings per Share
0.86
Last Quarterly Earnings Report Date
2025-04-30
Days Since Last Quarterly Earnings Report
58
Earnings per Share (Most Recent Fiscal Year)
3.37
Diluted Earnings per Share (Trailing 12 Months)
1.23
Dividends
Last Dividend Date
2025-06-13
Last Dividend Amount
0.28
Days Since Last Dividend
14
Annual Dividend (Based on Last Quarter)
1.12
Dividend Yield (Based on Last Quarter)
3.88
Percent Growth in Revenue/Net Income
Percent Growth in Quarterly Revenue (QoQ)
24.56
Percent Growth in Quarterly Revenue (YoY)
38.17
Percent Growth in Annual Revenue
22.14
Percent Growth in Quarterly Net Income (QoQ)
-294.25
Percent Growth in Quarterly Net Income (YoY)
-346.82
Percent Growth in Annual Net Income
25.71
New High/Low in Revenue/Net Income
New 5-Year High Annual Revenue
True
New 5-Year Low Annual Revenue
False
New 5-Year High Quarterly Revenue (QoQ)
True
New 5-Year Low Quarterly Revenue (QoQ)
False
New 5-Year High Quarterly Revenue (YoY)
True
New 5-Year Low Quarterly Revenue (YoY)
False
New 5-Year High Annual Net Income
True
New 5-Year Low Annual Net Income
False
New 5-Year High Quarterly Net Income (QoQ)
False
New 5-Year Low Quarterly Net Income (QoQ)
True
New 5-Year High Quarterly Net Income (YoY)
False
New 5-Year Low Quarterly Net Income (YoY)
True
Consecutive Quarters/Years of Increasing/Decreasing Revenue/Net Income
Consecutive Quarters of Increasing Revenue (QoQ)
1
Consecutive Quarters of Decreasing Revenue (QoQ)
0
Consecutive Quarters of Increasing Revenue (YoY)
14
Consecutive Quarters of Decreasing Revenue (YoY)
0
Consecutive Years of Increasing Revenue
11
Consecutive Years of Decreasing Revenue
0
Consecutive Quarters of Increasing Net Income (QoQ)
0
Consecutive Quarters of Decreasing Net Income (QoQ)
2
Consecutive Quarters of Increasing Net Income (YoY)
0
Consecutive Quarters of Decreasing Net Income (YoY)
1
Consecutive Years of Increasing Net Income
1
Consecutive Years of Decreasing Net Income
0
Splits
Last Split Date (if within past year)
Last Split Ratio (if within past year)
Days Since Last Split (if within past year)
Volatility Metrics
Historical Volatility (Close-to-Close) (10-Day)
0.2361
Historical Volatility (Close-to-Close) (20-Day)
0.2751
Historical Volatility (Close-to-Close) (30-Day)
0.2633
Historical Volatility (Close-to-Close) (60-Day)
0.2420
Historical Volatility (Close-to-Close) (90-Day)
0.3096
Historical Volatility (Close-to-Close) (120-Day)
0.2922
Historical Volatility (Close-to-Close) (150-Day)
0.2648
Historical Volatility (Close-to-Close) (180-Day)
0.2648
Historical Volatility (Parkinson) (10-Day)
0.2586
Historical Volatility (Parkinson) (20-Day)
0.2726
Historical Volatility (Parkinson) (30-Day)
0.2566
Historical Volatility (Parkinson) (60-Day)
0.2326
Historical Volatility (Parkinson) (90-Day)
0.3302
Historical Volatility (Parkinson) (120-Day)
0.3149
Historical Volatility (Parkinson) (150-Day)
0.2963
Historical Volatility (Parkinson) (180-Day)
0.2878
Implied Volatility (Calls) (10-Day)
Implied Volatility (Calls) (20-Day)
Implied Volatility (Calls) (30-Day)
Implied Volatility (Calls) (60-Day)
Implied Volatility (Calls) (90-Day)
Implied Volatility (Calls) (120-Day)
Implied Volatility (Calls) (150-Day)
Implied Volatility (Calls) (180-Day)
Implied Volatility (Puts) (10-Day)
Implied Volatility (Puts) (20-Day)
Implied Volatility (Puts) (30-Day)
Implied Volatility (Puts) (60-Day)
Implied Volatility (Puts) (90-Day)
Implied Volatility (Puts) (120-Day)
Implied Volatility (Puts) (150-Day)
Implied Volatility (Puts) (180-Day)
Implied Volatility (Mean) (10-Day)
Implied Volatility (Mean) (20-Day)
Implied Volatility (Mean) (30-Day)
Implied Volatility (Mean) (60-Day)
Implied Volatility (Mean) (90-Day)
Implied Volatility (Mean) (120-Day)
Implied Volatility (Mean) (150-Day)
Implied Volatility (Mean) (180-Day)
Put-Call Implied Volatility Ratio (10-Day)
Put-Call Implied Volatility Ratio (20-Day)
Put-Call Implied Volatility Ratio (30-Day)
Put-Call Implied Volatility Ratio (60-Day)
Put-Call Implied Volatility Ratio (90-Day)
Put-Call Implied Volatility Ratio (120-Day)
Put-Call Implied Volatility Ratio (150-Day)
Put-Call Implied Volatility Ratio (180-Day)
Implied Volatility Skew (10-Day)
Implied Volatility Skew (20-Day)
Implied Volatility Skew (30-Day)
Implied Volatility Skew (60-Day)
Implied Volatility Skew (90-Day)
Implied Volatility Skew (120-Day)
Implied Volatility Skew (150-Day)
Implied Volatility Skew (180-Day)
Option Statistics
Put-Call Ratio (Volume) (10-Day)
Put-Call Ratio (Volume) (20-Day)
Put-Call Ratio (Volume) (30-Day)
Put-Call Ratio (Volume) (60-Day)
Put-Call Ratio (Volume) (90-Day)
Put-Call Ratio (Volume) (120-Day)
Put-Call Ratio (Volume) (150-Day)
Put-Call Ratio (Volume) (180-Day)
Put-Call Ratio (Open Interest) (10-Day)
Put-Call Ratio (Open Interest) (20-Day)
Put-Call Ratio (Open Interest) (30-Day)
Put-Call Ratio (Open Interest) (60-Day)
Put-Call Ratio (Open Interest) (90-Day)
Put-Call Ratio (Open Interest) (120-Day)
Put-Call Ratio (Open Interest) (150-Day)
Put-Call Ratio (Open Interest) (180-Day)
Percentiles Within Industry of Price Performance
Percentile Within Industry, Percent Change in Price, Past 52 Weeks
16.57
Percentile Within Industry, Percent Change in Price, Past 26 Weeks
5.42
Percentile Within Industry, Percent Change in Price, Past 13 Weeks
34.64
Percentile Within Industry, Percent Change in Price, Past 4 Weeks
20.18
Percentile Within Industry, Percent Change in Price, Past 2 Weeks
20.78
Percentile Within Industry, Percent Change in Price, Past Week
39.76
Percentile Within Industry, Percent Change in Price, 1 Day
17.77
Percentiles Within Industry of Revenue/Net Income Growth
Percentile Within Industry, Percent Growth in Quarterly Revenue (QoQ)
93.17
Percentile Within Industry, Percent Growth in Quarterly Revenue (YoY)
95.74
Percentile Within Industry, Percent Growth in Annual Revenue
82.07
Percentile Within Industry, Percent Growth in Quarterly Net Income (QoQ)
1.55
Percentile Within Industry, Percent Growth in Quarterly Net Income (YoY)
2.13
Percentile Within Industry, Percent Growth in Annual Net Income
81.52
Percentiles Within Industry of Fundamental Ratios and Percentages
Percentile Within Industry, PE Ratio (Current Year Earnings Estimate)
12.55
Percentile Within Industry, PE Ratio (Trailing 12 Months)
6.13
Percentile Within Industry, PEG Ratio (Long Term Growth Estimate)
Percentile Within Industry, Price to Sales Ratio (Trailing 12 Months)
86.77
Percentile Within Industry, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
49.09
Percentile Within Industry, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
5.71
Percentile Within Industry, Pre-Tax Margin (Trailing 12 Months)
12.77
Percentile Within Industry, Net Margin (Trailing 12 Months)
12.84
Percentile Within Industry, Return on Equity (Trailing 12 Months)
65.14
Percentile Within Industry, Return on Assets (Trailing 12 Months)
55.35
Percentile Within Industry, Current Ratio (Most Recent Fiscal Quarter)
22.12
Percentile Within Industry, Quick Ratio (Most Recent Fiscal Quarter)
24.01
Percentile Within Industry, Debt to Common Equity (Most Recent Fiscal Quarter)
65.45
Percentile Within Industry, Inventory Turnover (Trailing 12 Months)
36.77
Percentile Within Industry, Dividend Yield (Based on Last Quarter)
75.60
Percentile Within Industry, Percentage Held By Insiders (Latest Annual Proxy Report)
53.94
Percentile Within Industry, Percentage Held By Institutions (Latest 13F Reports)
13.19
Percentiles Within Sector of Price Performance
Percentile Within Sector, Percent Change in Price, Past 52 Weeks
29.40
Percentile Within Sector, Percent Change in Price, Past 26 Weeks
12.77
Percentile Within Sector, Percent Change in Price, Past 13 Weeks
43.13
Percentile Within Sector, Percent Change in Price, Past 4 Weeks
29.12
Percentile Within Sector, Percent Change in Price, Past 2 Weeks
29.67
Percentile Within Sector, Percent Change in Price, Past Week
58.24
Percentile Within Sector, Percent Change in Price, 1 Day
35.03
Percentiles Within Sector of Revenue/Net Income Growth
Percentile Within Sector, Percent Growth in Quarterly Revenue (QoQ)
90.96
Percentile Within Sector, Percent Growth in Quarterly Revenue (YoY)
91.61
Percentile Within Sector, Percent Growth in Annual Revenue
78.44
Percentile Within Sector, Percent Growth in Quarterly Net Income (QoQ)
3.29
Percentile Within Sector, Percent Growth in Quarterly Net Income (YoY)
3.07
Percentile Within Sector, Percent Growth in Annual Net Income
67.98
Percentiles Within Sector of Fundamental Ratios and Percentages
Percentile Within Sector, PE Ratio (Current Year Earnings Estimate)
17.23
Percentile Within Sector, PE Ratio (Trailing 12 Months)
12.42
Percentile Within Sector, PEG Ratio (Long Term Growth Estimate)
Percentile Within Sector, Price to Sales Ratio (Trailing 12 Months)
72.92
Percentile Within Sector, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
40.09
Percentile Within Sector, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
12.33
Percentile Within Sector, Pre-Tax Margin (Trailing 12 Months)
20.86
Percentile Within Sector, Net Margin (Trailing 12 Months)
21.75
Percentile Within Sector, Return on Equity (Trailing 12 Months)
52.28
Percentile Within Sector, Return on Assets (Trailing 12 Months)
40.41
Percentile Within Sector, Current Ratio (Most Recent Fiscal Quarter)
30.54
Percentile Within Sector, Quick Ratio (Most Recent Fiscal Quarter)
32.42
Percentile Within Sector, Debt to Common Equity (Most Recent Fiscal Quarter)
61.38
Percentile Within Sector, Inventory Turnover (Trailing 12 Months)
41.04
Percentile Within Sector, Dividend Yield (Based on Last Quarter)
77.06
Percentile Within Sector, Percentage Held By Insiders (Latest Annual Proxy Report)
52.49
Percentile Within Sector, Percentage Held By Institutions (Latest 13F Reports)
19.54
Percentiles Within Market of Price Performance
Percentile Within Market, Percent Change in Price, Past 52 Weeks
60.53
Percentile Within Market, Percent Change in Price, Past 26 Weeks
19.81
Percentile Within Market, Percent Change in Price, Past 13 Weeks
37.37
Percentile Within Market, Percent Change in Price, Past 4 Weeks
25.28
Percentile Within Market, Percent Change in Price, Past 2 Weeks
37.51
Percentile Within Market, Percent Change in Price, Past Week
80.18
Percentile Within Market, Percent Change in Price, 1 Day
64.78
Percentiles Within Market of Revenue/Net Income Growth
Percentile Within Market, Percent Growth in Quarterly Revenue (QoQ)
90.36
Percentile Within Market, Percent Growth in Quarterly Revenue (YoY)
89.64
Percentile Within Market, Percent Growth in Annual Revenue
81.83
Percentile Within Market, Percent Growth in Quarterly Net Income (QoQ)
5.25
Percentile Within Market, Percent Growth in Quarterly Net Income (YoY)
5.82
Percentile Within Market, Percent Growth in Annual Net Income
65.70
Percentiles Within Market of Fundamental Ratios and Percentages
Percentile Within Market, PE Ratio (Current Year Earnings Estimate)
12.27
Percentile Within Market, PE Ratio (Trailing 12 Months)
13.76
Percentile Within Market, PEG Ratio (Long Term Growth Estimate)
Percentile Within Market, Price to Sales Ratio (Trailing 12 Months)
65.11
Percentile Within Market, Price to Book Ratio (Most Recent Quarterly Book Value per Share)
29.93
Percentile Within Market, Price to Cash Ratio (Most Recent Annual Cash Flow per Share)
26.44
Percentile Within Market, Pre-Tax Margin (Trailing 12 Months)
54.49
Percentile Within Market, Net Margin (Trailing 12 Months)
53.43
Percentile Within Market, Return on Equity (Trailing 12 Months)
65.43
Percentile Within Market, Return on Assets (Trailing 12 Months)
46.40
Percentile Within Market, Current Ratio (Most Recent Fiscal Quarter)
18.01
Percentile Within Market, Quick Ratio (Most Recent Fiscal Quarter)
26.26
Percentile Within Market, Debt to Common Equity (Most Recent Fiscal Quarter)
60.79
Percentile Within Market, Inventory Turnover (Trailing 12 Months)
60.13
Percentile Within Market, Dividend Yield (Based on Last Quarter)
86.17
Percentile Within Market, Percentage Held By Insiders (Latest Annual Proxy Report)
51.49
Percentile Within Market, Percentage Held By Institutions (Latest 13F Reports)
24.95