COFS
CHOICEONE FINANCIAL SERVICES INC
$31.57
+0.70%
$469.5M
No data for this timeframe.
Vol
Market Cap$469.5M
Cap SizeSmall Cap
Analyst ConsensusStrong Buy (78%)
Inst. Holders8 funds
Inst. Value$36.3M
Inst. Activity4 buys / 1 sells
Insider Activity6B / 1S
Insider Net $-$210.6K
SEC Reports6
Recent Activity
May 20, 2026
SEC
ChoiceOne Financial Services filed an 8-K furnishing its annual shareholder meeting presentation (May 20, 2026). The pre
8-K — Impact 3/10
Apr 30, 2026
Insider
Greenland Adom sold 1,506 shares
Secretary @ $0.00 ($0.00)
Apr 30, 2026
Insider
Potes Kelly sold 450 shares
Chief Executive Officer @ $30.03 ($13.5K)
Apr 30, 2026
Insider
Greenland Adom sold 127 shares
Secretary @ $30.03 ($3.8K)
Apr 29, 2026
earnings_calendar
COFS Q1 2026 Earnings Scheduled — 2026-04-29
Apr 24, 2026
SEC
ChoiceOne Financial Services reported Q1 2026 earnings with diluted EPS of $0.91, missing the $0.85 consensus estimate b
8-K — Impact 6/10
Mar 16, 2026
SEC
Two insiders at ChoiceOne Financial Services (COFS) purchased shares in the open market within the past week, totaling $
CLUSTER — Impact 4/10
Inst.
TWO SIGMA INVESTMENTS, LP — ADD
182,564 shares ($5.4M)
Price Targets
$33.67
+6.6% upside
Buy
Current $31.57
Low $32.00
Median $34.00
High $35.00
3 analysts
$32.00
$35.00
Analyst Ratings
2Strong Buy
5Buy
2Hold
0Sell
0Strong Sell
Recent Analyst Actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Apr 27, 2026 | DA Davidson | MAINTAIN | Buy → Buy |
| Feb 3, 2026 | DA Davidson | MAINTAIN | Buy → Buy |
| Jan 7, 2026 | Hovde Group | DOWNGRADE | Outperform → Market Perform |
Earnings Estimates
| Period | EPS Est. | Range | Growth | # |
|---|---|---|---|---|
| Current Q | $0.88 ▲ +1.9% | $0.87 — $0.90 | -3% YoY | 3 |
| Next Q | $0.90 ▲ +1.1% | $0.90 — $0.91 | -7% YoY | 3 |
| Current FY | $3.60 ▲ +3.0% | $3.60 — $3.61 | -2% YoY | 3 |
| Next FY | $3.68 | $3.55 — $3.75 | 2% YoY | 3 |
Latest Reports
NEUTRAL
8-K
3/10
ChoiceOne Financial Services filed an 8-K furnishing its annual shareholder meeting presentation (May 20, 2026). The pre
May 20, 2026
BEARISH
8-K
6/10
ChoiceOne Financial Services reported Q1 2026 earnings with diluted EPS of $0.91, missing the $0.85 consensus estimate b
Apr 24, 2026
Top Institutional Holders
| Fund | Value | Move |
|---|---|---|
| VANGUARD GROUP INC | $23.9M | ADD |
| TWO SIGMA INVESTMENTS, LP | $5.4M | ADD |
| MORGAN STANLEY | $3.8M | DOUBLED |
| CHARLES SCHWAB INVESTMENT MANAGEMENT | $1.3M | ADD |
| BANK OF AMERICA CORP | $1.1M | ADD |
Recent Insider Trades
| Date | Insider | Type | Value |
|---|---|---|---|
| Apr 30, 2026 | Greenland Adom | A | $0.00 |
| Apr 30, 2026 | Potes Kelly | F | $13.5K |
| Apr 30, 2026 | Greenland Adom | F | $3.8K |
| Apr 30, 2026 | Potes Kelly | A | $0.00 |
| Apr 30, 2026 | Burke Michael | F | $7.6K |
8 institutional holders with $36.3M total value (1,228,251 shares) as of 2025-Q4. Top holders: VANGUARD, TWO, MORGAN. Net buying activity: 4 institutions added/increased vs 1 reduced.
Top Institutional Holders — 2025-Q4
| # | Fund | Shares | Value | % of Tracked | Last Move |
|---|---|---|---|---|---|
| 1 | VANGUARD GROUP INC | 808,188 | $23.9M | 65.8% | ADD +82.4% |
| 2 | TWO SIGMA INVESTMENTS, LP | 182,564 | $5.4M | 14.9% | ADD +86.4% |
| 3 | MORGAN STANLEY | 128,572 | $3.8M | 10.5% | DOUBLED +125.5% |
| 4 | CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 43,351 | $1.3M | 3.5% | ADD +82.6% |
| 5 | BANK OF AMERICA CORP /DE/ | 37,862 | $1.1M | 3.1% | ADD +25.3% |
| 6 | WELLS FARGO & COMPANY/MN | 16,042 | $473.6K | 1.3% | ADD +46.2% |
| 7 | RENAISSANCE TECHNOLOGIES LLC | 11,200 | $330.6K | 0.9% | TRIM -43.1% |
| 8 | FMR LLC | 472 | $13.9K | 0.0% | ADD +27.8% |
Recent Position Changes
| Fund | Action | Prev Shares | Curr Shares | Change % | Value | Quarter |
|---|---|---|---|---|---|---|
| TWO SIGMA INVESTMENTS, LP | ADD | 97,963 | 182,564 | +86.4% | $5.4M | 2025-Q4 |
| MORGAN STANLEY | DOUBLED | 57,023 | 128,572 | +125.5% | $3.8M | 2025-Q4 |
| BANK OF AMERICA CORP /DE/ | ADD | 30,210 | 37,862 | +25.3% | $1.1M | 2025-Q4 |
| WELLS FARGO & COMPANY/MN | ADD | 10,970 | 16,042 | +46.2% | $473.6K | 2025-Q4 |
| RENAISSANCE TECHNOLOGIES LLC | TRIM | 19,700 | 11,200 | -43.1% | $330.6K | 2025-Q4 |
| TWO SIGMA INVESTMENTS, LP | DOUBLED | 32,199 | 97,963 | +204.2% | $2.8M | 2025-Q3 |
| MORGAN STANLEY | TRIM | 83,086 | 57,023 | -31.4% | $1.7M | 2025-Q3 |
| UBS Group AG | ADD | 28,639 | 47,305 | +65.2% | $1.4M | 2025-Q3 |
| BANK OF AMERICA CORP /DE/ | ADD | 21,783 | 30,210 | +38.7% | $874.9K | 2025-Q3 |
| VANGUARD GROUP INC | ADD | 437,778 | 798,298 | +82.4% | $22.9M | 2025-Q2 |
| MORGAN STANLEY | ADD | 51,043 | 83,086 | +62.8% | $2.4M | 2025-Q2 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | ADD | 23,706 | 43,292 | +82.6% | $1.2M | 2025-Q2 |
| TWO SIGMA INVESTMENTS, LP | TRIM | 55,032 | 32,199 | -41.5% | $924.1K | 2025-Q2 |
| UBS Group AG | ADD | 14,773 | 28,639 | +93.9% | $821.9K | 2025-Q2 |
| RENAISSANCE TECHNOLOGIES LLC | TRIM | 45,200 | 24,500 | -45.8% | $703.1K | 2025-Q2 |
| BANK OF AMERICA CORP /DE/ | DOUBLED | 9,004 | 21,783 | +141.9% | $625.2K | 2025-Q2 |
| WELLS FARGO & COMPANY/MN | ADD | 5,003 | 9,181 | +83.5% | $263.5K | 2025-Q2 |
| FMR LLC | ADD | 417 | 533 | +27.8% | $15.3K | 2025-Q2 |
| CITADEL ADVISORS LLC | DOUBLED | 24,286 | 74,326 | +206.0% | $2.1M | 2025-Q1 |
| TWO SIGMA INVESTMENTS, LP | NEW | — | 55,032 | — | $1.6M | 2025-Q1 |
| MORGAN STANLEY | ADD | 32,210 | 51,043 | +58.5% | $1.5M | 2025-Q1 |
| FMR LLC | TRIM | 586 | 417 | -28.8% | $12.0K | 2025-Q1 |
| RENAISSANCE TECHNOLOGIES LLC | ADD | 28,900 | 49,500 | +71.3% | $1.8M | 2024-Q4 |
| WELLS FARGO & COMPANY/MN | ADD | 3,826 | 4,891 | +27.8% | $174.3K | 2024-Q4 |
| MORGAN STANLEY | DOUBLED | 13,293 | 31,501 | +137.0% | $973.7K | 2024-Q3 |
17 unique insiders with 7 transactions. Net insider value: -$210.6K ($232.8K bought, $443.4K sold).
Insider Transactions
| Date | Insider | Title | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Apr 30, 2026 | Greenland Adom | Secretary | A | 1,506 | $0.00 | $0.00 |
| Apr 30, 2026 | Potes Kelly | Chief Executive Officer | F | 450 | $30.03 | $13.5K |
| Apr 30, 2026 | Greenland Adom | Secretary | F | 127 | $30.03 | $3.8K |
| Apr 30, 2026 | Potes Kelly | Chief Executive Officer | A | 4,416 | $0.00 | $0.00 |
| Apr 30, 2026 | Burke Michael J. Jr. | President | F | 252 | $30.03 | $7.6K |
| Apr 30, 2026 | Burke Michael J. Jr. | President | A | 2,439 | $0.00 | $0.00 |
| Apr 30, 2026 | Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | F | 137 | $30.03 | $4.1K |
| Apr 30, 2026 | Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | A | 1,455 | $0.00 | $0.00 |
| Apr 1, 2026 | PETTY BRIAN P | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | Page Roxanne M | Director | A | 244 | $28.12 | $6.9K |
| Apr 1, 2026 | McGinnis Bradley F. | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | Brophy Keith D. | Director | A | 418 | $28.12 | $11.8K |
| Apr 1, 2026 | Burns Harold J | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | Armock Greg L. | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | Burrough Eric E | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | Coulter Curt E | Director | A | 245 | $28.12 | $6.9K |
| Apr 1, 2026 | Essex Bruce John Jr | Director | A | 244 | $28.12 | $6.9K |
| Apr 1, 2026 | Hicks Randy D | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | Krause Steven Theodore | Director | A | 591 | $28.12 | $16.6K |
| Apr 1, 2026 | McConnell Gregory A | Director | A | 244 | $28.12 | $6.9K |
| Apr 1, 2026 | Wendling Michelle M | Director | A | 244 | $28.12 | $6.9K |
| Mar 12, 2026 | Greenland Adom | Secretary | BUY | 500 | $27.40 | $13.7K |
| Mar 11, 2026 | Burrough Eric E | Director | BUY | 5,000 | $27.50 | $137.5K |
| Mar 6, 2026 | McConnell Gregory A | Director | BUY | 1,050 | $27.94 | $29.3K |
| Mar 3, 2026 | McGinnis Bradley F. | Director | BUY | 1,000 | $29.15 | $29.1K |
| Feb 27, 2026 | Burke Michael J. Jr. | President | BUY | 250 | $28.58 | $7.1K |
| Feb 13, 2026 | McConnell Gregory A | Director | BUY | 550 | $29.10 | $16.0K |
| Feb 11, 2026 | PETTY BRIAN P | Director | SELL | 15,000 | $29.56 | $443.4K |
| Feb 9, 2026 | Krause Steven Theodore | Director | G | 3,125 | $0.00 | $0.00 |
6 SEC filing reports analyzed. Sentiment: 0 bullish, 1 bearish, 0 mixed, 5 neutral. Avg impact: 3.8/10.
NEUTRAL
8-K
3/10
ChoiceOne Financial Services filed an 8-K furnishing its annual shareholder meeting presentation (Ma
May 20, 2026
BEARISH
8-K
6/10
ChoiceOne Financial Services reported Q1 2026 earnings with diluted EPS of $0.91, missing the $0.85
Apr 24, 2026
NEUTRAL
CLUSTER
4/10
Two insiders at ChoiceOne Financial Services (COFS) purchased shares in the open market within the p
Mar 16, 2026
NEUTRAL
CLUSTER
4/10
Two non-executive directors at ChoiceOne Financial Services (COFS) made open-market purchases totali
Mar 12, 2026
NEUTRAL
CLUSTER
3/10
Two non-executive directors of ChoiceOne Financial Services (COFS) made open-market purchases totali
Mar 9, 2026
NEUTRAL
CLUSTER
3/10
Two insiders at ChoiceOne Financial Services purchased shares in the past week, including President
Mar 4, 2026
No press releases analyzed yet. Press releases are collected from GlobeNewsWire and analyzed by the LLM pipeline.
Current analyst consensus: Buy (78% buy). Based on 9 analysts: 2 strong buy, 5 buy, 2 hold, 0 sell, 0 strong sell.
Analyst Price Targets
$33.67 mean target
+6.6% upside
Buy (3.00)
$32.00 Low
$35.00 High
| Metric | Value |
|---|---|
| Current Price | $31.57 |
| Target Low | $32.00 |
| Target Mean | $33.67 |
| Target Median | $34.00 |
| Target High | $35.00 |
| # Analysts | 3 |
| Recommendation | Buy (3.00) |
Earnings Estimates & Revisions
| Period | EPS Avg | EPS Low | EPS High | EPS Growth | 30d Rev. | Up/Down | Rev. Avg | Rev. Growth | Analysts |
|---|---|---|---|---|---|---|---|---|---|
| Current Q 2026-06-30 |
$0.88 | $0.87 | $0.90 | -3.3% | +1.9% | 1↑ 0↓ | $0.0B | 1.5% | 3 |
| Next Q 2026-09-30 |
$0.90 | $0.90 | $0.91 | -6.9% | +1.1% | 1↑ 1↓ | $0.0B | -1.2% | 3 |
| Current FY 2026-12-31 |
$3.60 | $3.60 | $3.61 | -2.1% | +3.0% | 3↑ 0↓ | $0.2B | 8.1% | 3 |
| Next FY 2027-12-31 |
$3.68 | $3.55 | $3.75 | 2.2% | +0.5% | 1↑ 0↓ | $0.2B | 3.7% | 3 |
Current Quarter EPS Revision History
| Timepoint | EPS Estimate | Change |
|---|---|---|
| Current | $0.880 | |
| 7d ago | $0.880 | |
| 30d ago | $0.863 | +0.017 |
| 60d ago | $0.863 | +0.017 |
| 90d ago | $0.860 | +0.020 |
2 analyst firms have rated this stock: 0 upgrades, 1 downgrades, 0 initiations.
Individual Analyst Actions
| Date | Analyst Firm | Action | Previous Rating | New Rating |
|---|---|---|---|---|
| Apr 27, 2026 | DA Davidson | MAINTAIN | Buy | Buy |
| Feb 3, 2026 | DA Davidson | MAINTAIN | Buy | Buy |
| Jan 7, 2026 | Hovde Group | DOWNGRADE | Outperform | Market Perform |
Monthly Consensus History
| Period | Strong Buy | Buy | Hold | Sell | Strong Sell | Buy % | Distribution |
|---|---|---|---|---|---|---|---|
| May 1, 2026 | 2 | 5 | 2 | 0 | 0 | 78% | |
| Apr 1, 2026 | 2 | 5 | 2 | 0 | 0 | 78% | |
| Mar 1, 2026 | 2 | 5 | 2 | 0 | 0 | 78% | |
| Feb 1, 2026 | 2 | 4 | 2 | 0 | 0 | 75% | |
| Jan 1, 2026 | 3 | 5 | 1 | 0 | 0 | 89% |
Strong BuyBuyHoldSellStrong Sell
No congressional trading data available for this ticker. Data is sourced from Senate and House financial disclosure filings.
No Reddit sentiment data available yet. Sentiment is analyzed from Reddit investment communities on a rolling basis.
Apr 29, 2026
earnings_calendar
COFS Q1 2026 Earnings Scheduled — 2026-04-29