ChoiceOne Financial Services (COFS)
Market Price (8/8/2026): $34.1 | Market Cap: $511.2 MilSector: Financials | Industry: Regional Banks
ChoiceOne Financial Services (COFS)
Market Price (8/8/2026): $34.1Market Cap: $511.2 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 3.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.9%, FCF Yield is 6.6% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -83% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 68% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19% Low stock price volatilityVol 12M is 28% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. | Trading close to highsDist 52W High is -1.6%, Dist 3Y High is -3.6% Weak multi-year price returns2Y Excs Rtn is -9.6%, 3Y Excs Rtn is -15% | Key risksCOFS key risks include [1] challenges and capital strain from its Fentura Financial merger, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 3.3%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.9%, FCF Yield is 6.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -83% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 68% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 19% |
| Low stock price volatilityVol 12M is 28% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments. |
| Trading close to highsDist 52W High is -1.6%, Dist 3Y High is -3.6% |
| Weak multi-year price returns2Y Excs Rtn is -9.6%, 3Y Excs Rtn is -15% |
| Key risksCOFS key risks include [1] challenges and capital strain from its Fentura Financial merger, Show more. |
Qualitative Assessment
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ChoiceOne Financial Services (COFS) stock has gained about 15% since 4/30/2026 because of the following key factors:
1. Significant Year-over-Year Profitability Improvement Despite Q2 2026 Earnings Miss.
ChoiceOne Financial Services reported a net income of $12.5 million, or $0.83 per diluted share, for fiscal Q2 2026 (the quarter ended June 30, 2026). While this diluted EPS of $0.83 was below analyst expectations of $0.88, the company demonstrated a substantial improvement in overall profitability year-over-year. Net income for the first six months of 2026 reached $26.2 million ($1.74 per diluted share), a significant turnaround compared to a net loss of $0.4 million during the first six months of 2025.
2. Robust Core Loan Growth and Strategic Balance Sheet Repositioning.
The company experienced strong core loan growth, with an increase of $87.1 million, or an annualized 11.9%, during fiscal Q2 2026. This growth included the acquisition of approximately $40 million in seasoned, high-quality adjustable-rate residential mortgages. Furthermore, ChoiceOne strategically repositioned its balance sheet by selling lower-yielding municipal securities, incurring a pre-tax securities loss of approximately $1.9 million (which reduced diluted EPS by about $0.10). This action was taken to fund loan growth and improve the company's overall interest rate profile.
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ChoiceOne Financial Services (COFS) stock has gained about 15% since 4/30/2026 because of the following key factors:
1. Significant Year-over-Year Profitability Improvement Despite Q2 2026 Earnings Miss.
ChoiceOne Financial Services reported a net income of $12.5 million, or $0.83 per diluted share, for fiscal Q2 2026 (the quarter ended June 30, 2026). While this diluted EPS of $0.83 was below analyst expectations of $0.88, the company demonstrated a substantial improvement in overall profitability year-over-year. Net income for the first six months of 2026 reached $26.2 million ($1.74 per diluted share), a significant turnaround compared to a net loss of $0.4 million during the first six months of 2025.
2. Robust Core Loan Growth and Strategic Balance Sheet Repositioning.
The company experienced strong core loan growth, with an increase of $87.1 million, or an annualized 11.9%, during fiscal Q2 2026. This growth included the acquisition of approximately $40 million in seasoned, high-quality adjustable-rate residential mortgages. Furthermore, ChoiceOne strategically repositioned its balance sheet by selling lower-yielding municipal securities, incurring a pre-tax securities loss of approximately $1.9 million (which reduced diluted EPS by about $0.10). This action was taken to fund loan growth and improve the company's overall interest rate profile.
3. Positive Analyst Sentiment and Upgraded Price Targets.
Analyst ratings for ChoiceOne Financial Services remained largely positive during this period, with the stock maintaining an average "Moderate Buy" rating. Several firms increased their price targets for COFS. DA Davidson raised its target from $32.00 to $34.00 on April 27, 2026, and then further to $38.00 from $36.00 on July 28, 2026, while reaffirming a "Buy" rating. Additionally, Hovde Group increased its price target from $32.00 to $35.00 on July 27, 2026. On July 29, 2026, Zacks upgraded COFS to a Zacks Rank #2 (Buy), citing growing optimism regarding the company's earnings prospects.
4. Strong Capital Position and Shareholder Return through Buyback Program.
ChoiceOne Bank maintained a strong capital position, with a total risk-based capital ratio of 12.9% as of June 30, 2026, an increase from 12.4% on June 30, 2025. The company also demonstrated a commitment to returning value to shareholders by repurchasing 35,000 shares for a net cost of $1.1 million during fiscal Q2 2026. This share buyback, with 265,272 shares remaining under its authorization, signaled management's confidence in the company's financial health and future prospects.
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Stock Movement Drivers
Fundamental Drivers
The 14.5% change in COFS stock from 4/30/2026 to 8/7/2026 was primarily driven by a 85.1% change in the company's Net Income Margin (%).| (LTM values as of) | 4302026 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.76 | 34.08 | 14.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 162 | 173 | 6.9% |
| Net Income Margin (%) | 17.4% | 32.3% | 85.1% |
| P/E Multiple | 15.9 | 9.2 | -42.3% |
| Shares Outstanding (Mil) | 15 | 15 | 0.2% |
| Cumulative Contribution | 14.5% |
Market Drivers
4/30/2026 to 8/7/2026| Return | Correlation | |
|---|---|---|
| COFS | 14.5% | |
| Market (SPY) | 7.6% | 1.8% |
| Sector (XLF) | 10.5% | 37.1% |
Fundamental Drivers
The 21.1% change in COFS stock from 1/31/2026 to 8/7/2026 was primarily driven by a 115.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.14 | 34.08 | 21.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 143 | 173 | 20.8% |
| Net Income Margin (%) | 15.0% | 32.3% | 115.1% |
| P/E Multiple | 19.7 | 9.2 | -53.5% |
| Shares Outstanding (Mil) | 15 | 15 | 0.2% |
| Cumulative Contribution | 21.1% |
Market Drivers
1/31/2026 to 8/7/2026| Return | Correlation | |
|---|---|---|
| COFS | 21.1% | |
| Market (SPY) | 12.1% | 20.5% |
| Sector (XLF) | 8.3% | 43.8% |
Fundamental Drivers
The 20.4% change in COFS stock from 7/31/2025 to 8/7/2026 was primarily driven by a 362.9% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.31 | 34.08 | 20.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 103 | 173 | 67.7% |
| Net Income Margin (%) | 7.0% | 32.3% | 362.9% |
| P/E Multiple | 42.0 | 9.2 | -78.2% |
| Shares Outstanding (Mil) | 11 | 15 | -28.8% |
| Cumulative Contribution | 20.4% |
Market Drivers
7/31/2025 to 8/7/2026| Return | Correlation | |
|---|---|---|
| COFS | 20.4% | |
| Market (SPY) | 23.4% | 27.0% |
| Sector (XLF) | 11.3% | 50.5% |
Fundamental Drivers
The 57.7% change in COFS stock from 7/31/2023 to 8/7/2026 was primarily driven by a 111.2% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 7312023 | 8072026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.61 | 34.08 | 57.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 82 | 173 | 111.2% |
| Net Income Margin (%) | 29.0% | 32.3% | 11.3% |
| P/E Multiple | 6.8 | 9.2 | 33.8% |
| Shares Outstanding (Mil) | 8 | 15 | -49.8% |
| Cumulative Contribution | 57.7% |
Market Drivers
7/31/2023 to 8/7/2026| Return | Correlation | |
|---|---|---|
| COFS | 57.7% | |
| Market (SPY) | 74.9% | 30.2% |
| Sector (XLF) | 70.4% | 43.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| COFS Return | -11% | 14% | 5% | 26% | -14% | 19% | 38% |
| Peers Return | 35% | -2% | 10% | 19% | 5% | 31% | 140% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 13% | 105% |
Monthly Win Rates [3] | |||||||
| COFS Win Rate | 58% | 50% | 33% | 50% | 33% | 62% | |
| Peers Win Rate | 65% | 37% | 50% | 47% | 53% | 75% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| COFS Max Drawdown | -25% | -28% | -42% | -26% | -29% | -10% | |
| Peers Max Drawdown | -18% | -27% | -35% | -16% | -24% | -12% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: IBCP, MBWM, HBNC, SRCE, FFBC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 8/7/2026 (YTD)
How Low Can It Go
| Event | COFS | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -21.9% | -18.8% |
| % Gain to Breakeven | 28.0% | 23.1% |
| Time to Breakeven | 236 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -30.0% | -9.5% |
| % Gain to Breakeven | 42.9% | 10.5% |
| Time to Breakeven | 33 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -26.5% | -6.7% |
| % Gain to Breakeven | 36.0% | 7.1% |
| Time to Breakeven | 196 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.2% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 168 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -49.1% | -33.7% |
| % Gain to Breakeven | 96.3% | 50.9% |
| Time to Breakeven | 1364 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -56.1% | -53.4% |
| % Gain to Breakeven | 128.0% | 114.4% |
| Time to Breakeven | 658 days | 1085 days |
In The Past
ChoiceOne Financial Services's stock fell -21.9% during the 2025 US Tariff Shock. Such a loss loss requires a 28.0% gain to breakeven.
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Asset Allocation
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| Event | COFS | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -21.9% | -18.8% |
| % Gain to Breakeven | 28.0% | 23.1% |
| Time to Breakeven | 236 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -30.0% | -9.5% |
| % Gain to Breakeven | 42.9% | 10.5% |
| Time to Breakeven | 33 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -26.5% | -6.7% |
| % Gain to Breakeven | 36.0% | 7.1% |
| Time to Breakeven | 196 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.2% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 168 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -49.1% | -33.7% |
| % Gain to Breakeven | 96.3% | 50.9% |
| Time to Breakeven | 1364 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -56.1% | -53.4% |
| % Gain to Breakeven | 128.0% | 114.4% |
| Time to Breakeven | 658 days | 1085 days |
In The Past
ChoiceOne Financial Services's stock fell -21.9% during the 2025 US Tariff Shock. Such a loss loss requires a 28.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About ChoiceOne Financial Services (COFS)
ChoiceOne Financial Services, Inc. (COFS) operates as a community bank holding company through its subsidiary, ChoiceOne Bank, primarily serving individuals, corporations, and partnerships across several counties in Michigan. The company's core mission is to provide comprehensive banking and financial services tailored to the needs of its local communities.
The company offers a broad range of products, including various deposit accounts like demand, savings, and time deposits, alongside safe deposit and automated transaction machine services. Its lending portfolio consists of commercial loans for business, agricultural, construction, inventory, and real estate ventures, as well as consumer loans for residential properties and personal needs. Beyond traditional banking, ChoiceOne also provides alternative investment products such as annuities and mutual funds, and sells life and health insurance policies to both commercial and consumer clients. ChoiceOne Financial Services operates 32 full-service offices and three loan production offices throughout Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties in Michigan.
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- It's like a Michigan-focused version of a regional bank such as PNC Bank.
- Think of it as a community bank for specific Michigan counties, similar to a local, independent branch of U.S. Bank.
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- Deposit Accounts: Offers various deposit products including time, savings, and demand deposits.
- Commercial Loans: Provides loans for businesses, covering areas like industry, agriculture, construction, inventory, and real estate.
- Consumer Loans: Offers direct and indirect loans to individual consumers and for residential or real property purchases.
- Safe Deposit Services: Provides secure storage solutions for valuable items.
- Automated Transaction Machine (ATM) Services: Offers services for cash withdrawals, deposits, and other banking needs.
- Investment Products: Sells alternative investment products such as annuities and mutual funds.
- Insurance Policies: Provides life and health insurance policies for both commercial and consumer clients.
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Customer Categories for ChoiceOne Financial Services:
-
Individual Consumers: This category includes individuals who utilize the bank's personal financial services. This encompasses customers with time, savings, and demand deposit accounts; those who obtain consumer loans (including direct and indirect loans for residential and real properties); and individuals purchasing alternative investment products like annuities and mutual funds, or life and health insurance policies for personal use.
-
Businesses and Commercial Clients: This category comprises corporations, partnerships, and agricultural entities. These clients utilize the bank's commercial services, including business deposit products, various commercial loans (such as business, industry, agricultural, construction, inventory, and real estate loans), and commercial life and health insurance policies.
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Kelly J. Potes, Chief Executive Officer
Kelly Potes was appointed CEO of ChoiceOne Financial Services in June 2016. He served as President of ChoiceOne from 2015 to 2019. Potes first joined ChoiceOne in 1984, holding various management positions. In 1998, he left ChoiceOne to become the President and Owner of Kent-Ottawa Financial Advisors, Inc., a financial consulting firm. He returned to ChoiceOne in 2001 as Senior Vice President of Retail Services and General Manager of ChoiceOne Insurance Agencies, Inc., advancing to his current executive positions. He holds a Bachelor of Business Administration in Finance from Grand Valley State University, is a Certified Financial Planner (CFP®), and a graduate of the ABA Stonier Graduate School of Banking.
Adom J. Greenland, CFO, Executive VP, Secretary & Treasurer
Adom J. Greenland was appointed Secretary, Chief Financial Officer, and Treasurer of ChoiceOne Financial Services and ChoiceOne Bank, effective January 1, 2022, succeeding Thomas L. Lampen upon his retirement. A Certified Public Accountant (CPA), Greenland has served as a Senior Vice President of ChoiceOne Bank since November 2015 and a Vice President since 2013. Before joining ChoiceOne, he was a Senior Manager with PricewaterhouseCoopers, a global accounting and consulting firm.
Michael J. Burke Jr., President & Director
Michael J. Burke Jr. serves as the President and a Director of ChoiceOne Financial Services. He is involved in overseeing the strategic direction and operations of the company.
Bradley A. Henion, Executive VP & Chief Lending Officer of ChoiceOne Bank
Bradley A. Henion holds the position of Executive Vice President and Chief Lending Officer of ChoiceOne Bank.
Shelly M. Childers, Senior VP & Chief Information Officer
Shelly M. Childers is the Senior Vice President and Chief Information Officer for ChoiceOne Financial Services.
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Key Risks to ChoiceOne Financial Services (COFS)
- Exposure to Michigan Economic Conditions: As a community bank primarily serving specific counties in Michigan, ChoiceOne Financial Services is significantly susceptible to economic fluctuations within its primary market area. A downturn in the Michigan economy could adversely affect loan demand, deposit levels, and the credit quality of its loan portfolio, impacting overall profitability and financial health.
- Credit Risk and Loan Portfolio Concentration: ChoiceOne has significant concentrations in commercial and residential real estate loans. The bank's asset quality and credit risk are continuously monitored across diversified segments, including residential, commercial, consumer, agricultural, and mortgage warehouse lending. Any deterioration in these segments, particularly commercial and agricultural credits, could be price-sensitive and lead to increased nonperforming loans and higher provisions for credit losses, directly impacting earnings.
- Interest Rate and Liquidity Risk: The company faces inherent interest rate risk, which can impact its net interest margin and the fair value of its investment securities. ChoiceOne actively uses hedging instruments like interest rate swaps to manage this risk, but these can also introduce earnings volatility. Furthermore, the bank's liquidity position, including a notable portion of uninsured deposits and unrealized losses on securities, creates sensitivity to interest rate changes and potential liquidity pressures if forced sales of securities were to occur.
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The emergence and growth of digital-first banks and financial technology (FinTech) companies that offer core banking services (deposits, loans) primarily through online and mobile platforms. These competitors often feature lower fees, higher interest rates on deposits, faster application processes, and a seamless digital user experience, directly challenging ChoiceOne Financial Services' traditional branch-based community banking model and potentially eroding its customer base and loan origination volume.
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ChoiceOne Financial Services (COFS) operates as a bank holding company for ChoiceOne Bank, providing community banking services, alternative investment products, and insurance policies to clients in Michigan. The addressable markets for its main products and services in Michigan are as follows:
- Commercial Banking Services (including deposits, commercial loans, and consumer loans): The market size for the Commercial Banking industry in Michigan is projected to be $23.6 billion in 2026. This industry includes receiving deposits from customers and issuing consumer, commercial, and industrial loans in Michigan.
- Life Insurance and Annuities: The market size for the Life Insurance & Annuities industry in Michigan is estimated at $20.6 billion in 2026.
- Health and Medical Insurance: The market size for the Health & Medical Insurance industry in Michigan is estimated at $51.3 billion in 2026.
Information on the specific addressable market size for mutual funds in Michigan is not available.
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Here are the expected drivers of future revenue growth for ChoiceOne Financial Services (COFS) over the next 2-3 years:
- Integration and Benefits from the Fentura Financial Merger: The merger with Fentura Financial, Inc. and its subsidiary, The State Bank, completed on March 1, 2025, significantly expanded ChoiceOne's total assets, branch network, loan portfolio, and deposit base. This strategic expansion is a key driver for increased net interest income and overall revenue as the company continues to integrate and leverage its larger footprint.
- Organic Loan Portfolio Growth: Beyond the acquired loans from the merger, ChoiceOne Financial Services continues to demonstrate organic growth in its core loan portfolio. This includes various commercial and consumer loan products, which directly contribute to interest income.
- Geographic Market Expansion: ChoiceOne is actively pursuing expansion into new attractive markets within Michigan. A notable example is the planned opening of a new full-service branch and lending office in Troy, Michigan, in 2026, which is expected to capture new customers and increase market share.
- Growth in Noninterest Income: The company has observed an increase in noninterest income, specifically driven by higher interchange activity and growing trust and insurance commissions. Continued focus and growth in these service areas are anticipated to further contribute to revenue diversification and growth.
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Share Repurchases
- ChoiceOne Financial Services had an authorized share repurchase plan from April 2021, amended in 2022, allowing for the repurchase of up to 375,388 shares, representing 5% of total outstanding shares at the plan's adoption.
- During 2025, ChoiceOne repurchased 25,116 shares of stock for a net cost of $775,000 under the repurchase plan.
- As of December 31, 2025, the repurchase plan had 350,272 shares remaining to be purchased with no stated expiration date.
Share Issuance
- On March 1, 2025, ChoiceOne issued 6,070,836 shares of common stock, valued at $193.0 million, as part of its merger with Fentura Financial.
- On July 26, 2024, the company sold 1,380,000 shares of common stock at $25.00 per share, generating $34.5 million in aggregate gross proceeds.
- The net proceeds from the July 2024 offering were intended for general corporate purposes, including supplementing regulatory capital ratios and in conjunction with its announced merger with Fentura Financial, Inc.
Outbound Investments
- ChoiceOne completed the merger with Fentura Financial, Inc. on March 1, 2025.
- This merger involved Fentura Financial, Inc. and its subsidiary, The State Bank, being merged into ChoiceOne, which propelled ChoiceOne's total assets to $4.4 billion, an increase of $1.7 billion from 2024.
- The total assets, loans, and deposits acquired in the merger were approximately $1.8 billion, $1.4 billion, and $1.4 billion, respectively.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Can ChoiceOne Financial Services Stock Hold Up When Markets Turn? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 36.05 |
| Mkt Cap | 1.0 |
| Rev LTM | 245 |
| Op Inc LTM | - |
| FCF LTM | 75 |
| FCF 3Y Avg | 57 |
| CFO LTM | 79 |
| CFO 3Y Avg | 64 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.0% |
| Rev Chg 3Y Avg | 6.5% |
| Rev Chg Q | 12.8% |
| QoQ Delta Rev Chg LTM | 3.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 27.7% |
| CFO/Rev 3Y Avg | 36.8% |
| FCF/Rev LTM | 26.1% |
| FCF/Rev 3Y Avg | 33.2% |
Price Behavior
| Market Price | $34.08 | |
| Market Cap ($ Bil) | 0.5 | |
| First Trading Date | 02/23/2007 | |
| Distance from 52W High | -1.6% | |
| 50 Days | 200 Days | |
| DMA Price | $32.97 | $30.04 |
| DMA Trend | up | up |
| Distance from DMA | 3.4% | 13.4% |
| 3M | 1YR | |
| Volatility | 23.8% | 28.2% |
| Downside Capture | -4.86 | 53.41 |
| Upside Capture | 34.07 | 65.33 |
| Correlation (SPY) | -0.7% | 26.3% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | -0.07 | -0.10 | 0.01 | 0.37 | 0.59 | 0.76 |
| Up Beta | -1.18 | -0.46 | -0.14 | 0.31 | 0.81 | 0.79 |
| Down Beta | -0.92 | -0.64 | -0.47 | -0.11 | 0.30 | 0.70 |
| Up Capture | 52% | 51% | 51% | 62% | 57% | 52% |
| Bmk +ve Days | 11 | 22 | 35 | 67 | 138 | 427 |
| Stock +ve Days | 13 | 28 | 38 | 68 | 122 | 369 |
| Down Capture | 52% | -7% | -7% | 45% | 66% | 91% |
| Bmk -ve Days | 11 | 21 | 28 | 59 | 114 | 326 |
| Stock -ve Days | 9 | 15 | 25 | 58 | 128 | 376 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with COFS | |
|---|---|---|---|---|
| COFS | 23.0% | 28.2% | 0.72 | - |
| Sector ETF (XLF) | 12.3% | 14.6% | 0.57 | 50.0% |
| Equity (SPY) | 23.3% | 12.8% | 1.36 | 26.0% |
| Gold (GLD) | 28.5% | 28.4% | 0.87 | 1.6% |
| Commodities (DBC) | 32.9% | 19.8% | 1.32 | -18.9% |
| Real Estate (VNQ) | 14.2% | 13.8% | 0.72 | 33.4% |
| Bitcoin (BTCUSD) | -44.2% | 42.9% | -1.23 | 13.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with COFS | |
|---|---|---|---|---|
| COFS | 11.4% | 33.7% | 0.38 | - |
| Sector ETF (XLF) | 11.4% | 18.4% | 0.48 | 33.6% |
| Equity (SPY) | 13.5% | 17.2% | 0.61 | 24.9% |
| Gold (GLD) | 18.6% | 18.6% | 0.81 | 6.1% |
| Commodities (DBC) | 8.2% | 19.6% | 0.31 | 4.2% |
| Real Estate (VNQ) | 2.3% | 18.9% | 0.02 | 29.4% |
| Bitcoin (BTCUSD) | 8.8% | 53.0% | 0.35 | 12.9% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with COFS | |
|---|---|---|---|---|
| COFS | 3.7% | 37.5% | 0.25 | - |
| Sector ETF (XLF) | 13.6% | 22.1% | 0.56 | 27.6% |
| Equity (SPY) | 15.4% | 17.9% | 0.73 | 21.1% |
| Gold (GLD) | 12.1% | 16.2% | 0.61 | 3.1% |
| Commodities (DBC) | 7.4% | 18.0% | 0.33 | 10.0% |
| Real Estate (VNQ) | 4.8% | 20.7% | 0.20 | 25.5% |
| Bitcoin (BTCUSD) | 58.2% | 66.2% | 0.98 | 12.1% |
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Returns Analyses
Earnings Returns History
Updated 8/4/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/24/2026 | -2.8% | 0.5% | |
| 4/24/2026 | 2.0% | -0.5% | 4.2% |
| 1/30/2026 | -2.9% | 1.6% | -0.4% |
| 7/25/2025 | 4.6% | 1.3% | 6.5% |
| 4/30/2025 | 1.0% | 1.2% | 5.0% |
| 1/22/2025 | 0.3% | -2.1% | -7.3% |
| 10/23/2024 | 9.1% | 6.9% | 17.6% |
| 7/25/2024 | -14.0% | -7.6% | -6.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 14 | 15 | 13 |
| # Negative | 9 | 8 | 9 |
| Median Positive | 1.2% | 2.6% | 5.0% |
| Median Negative | -2.1% | -3.6% | -6.2% |
| Max Positive | 9.1% | 7.8% | 44.2% |
| Max Negative | -14.0% | -11.0% | -15.0% |
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 7/24/2026 | -2.8% | 0.5% | |
| 4/24/2026 | 2.0% | -0.5% | 4.2% |
| 1/30/2026 | -2.9% | 1.6% | -0.4% |
| 7/25/2025 | 4.6% | 1.3% | 6.5% |
| 4/30/2025 | 1.0% | 1.2% | 5.0% |
| 1/22/2025 | 0.3% | -2.1% | -7.3% |
| 10/23/2024 | 9.1% | 6.9% | 17.6% |
| 7/25/2024 | -14.0% | -7.6% | -6.2% |
| 4/24/2024 | -1.2% | 7.1% | 2.9% |
| 1/25/2024 | 2.1% | -7.6% | -9.5% |
| 10/25/2023 | 5.1% | 7.8% | 44.2% |
| 7/26/2023 | 1.0% | 3.4% | -1.4% |
| 4/26/2023 | 1.2% | -11.0% | -14.6% |
| 1/25/2023 | 0.1% | 0.6% | 0.3% |
| 10/26/2022 | 1.8% | -2.2% | -4.1% |
| 7/27/2022 | 1.3% | 2.6% | 7.5% |
| 4/29/2022 | -2.1% | -5.0% | -15.0% |
| 1/26/2022 | -0.0% | -0.9% | -2.3% |
| 10/27/2021 | -0.8% | 3.6% | 2.0% |
| 7/28/2021 | -0.2% | 1.7% | 1.6% |
| 4/21/2021 | 0.9% | 1.8% | 11.1% |
| 1/29/2021 | -2.8% | 4.5% | 0.0% |
| 10/28/2020 | 0.5% | 4.4% | 6.5% |
| SUMMARY STATS | |||
| # Positive | 14 | 15 | 13 |
| # Negative | 9 | 8 | 9 |
| Median Positive | 1.2% | 2.6% | 5.0% |
| Median Negative | -2.1% | -3.6% | -6.2% |
| Max Positive | 9.1% | 7.8% | 44.2% |
| Max Negative | -14.0% | -11.0% | -15.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/11/2026 | 10-Q |
| 12/31/2025 | 03/13/2026 | 10-K |
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/14/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 03/13/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/23/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/11/2026 | 10-Q |
| 12/31/2025 | 03/13/2026 | 10-K |
| 09/30/2025 | 11/10/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/12/2025 | 10-Q |
| 12/31/2024 | 03/11/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/14/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 03/13/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 03/23/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| 03/31/2022 | 05/13/2022 | 10-Q |
| 12/31/2021 | 03/18/2022 | 10-K |
| 09/30/2021 | 11/08/2021 | 10-Q |
| 06/30/2021 | 08/12/2021 | 10-Q |
| 03/31/2021 | 05/13/2021 | 10-Q |
| 12/31/2020 | 04/01/2021 | 10-K |
| 09/30/2020 | 11/09/2020 | 10-Q |
| 06/30/2020 | 08/14/2020 | 10-Q |
| 03/31/2020 | 05/11/2020 | 10-Q |
| 12/31/2019 | 03/16/2020 | 10-K |
| 09/30/2019 | 11/12/2019 | 10-Q |
| 06/30/2019 | 08/09/2019 | 10-Q |
Recent Forward Guidance
Updated 7/27/2026Latest: Q2 2026 Earnings Reported 7/24/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Interest Income from Accretion | 3.80 Mil | -34.5% | Lowered | Guidance: 5.80 Mil for 2026 | |||
Prior: Q1 2026 Earnings Reported 4/24/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Interest income due to accretion from purchased loans | 5.80 Mil | -27.5% | Lowered | Guidance: 8.00 Mil for 2026 | |||
Q4 2025 Earnings Reported 1/30/2026
| Forward Guidance | Guidance Change | ||||||
|---|---|---|---|---|---|---|---|
| Metric | Low | Mid | High | % Chg | % Delta | Change | Prior |
| 2026 Interest income due to accretion from purchased loans | 8.00 Mil | 95.1% | Higher New | Guidance: 4.10 Mil for 2025 | |||
Insider Activity
Updated 7/6/2026| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Greenland, Adom | Secretary | IRA | Buy | 3162026 | 27.40 | 500 | 13,700 | 101,110 | Form |
| 2 | Burrough, Eric E | Direct | Buy | 3122026 | 27.50 | 5,000 | 137,500 | 4,960,918 | Form | |
| 3 | McConnell, Gregory A | Direct | Buy | 3092026 | 27.94 | 1,050 | 29,337 | 1,033,780 | Form | |
| 4 | McGinnis, Bradley F | Megawall Corporation | Buy | 3042026 | 29.15 | 1,000 | 29,150 | 446,024 | Form | |
| 5 | Burke, Michael J JR | President | IRA | Buy | 3022026 | 28.58 | 250 | 7,145 | 82,627 | Form |
| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Greenland, Adom | Secretary | IRA | Buy | 3162026 | 27.40 | 500 | 13,700 | 101,110 | Form |
| 2 | Burrough, Eric E | Direct | Buy | 3122026 | 27.50 | 5,000 | 137,500 | 4,960,918 | Form | |
| 3 | McConnell, Gregory A | Direct | Buy | 3092026 | 27.94 | 1,050 | 29,337 | 1,033,780 | Form | |
| 4 | McGinnis, Bradley F | Megawall Corporation | Buy | 3042026 | 29.15 | 1,000 | 29,150 | 446,024 | Form | |
| 5 | Burke, Michael J JR | President | IRA | Buy | 3022026 | 28.58 | 250 | 7,145 | 82,627 | Form |
| 6 | McConnell, Gregory A | Direct | Buy | 2172026 | 29.04 | 1,550 | 45,005 | 1,043,826 | Form | |
| 7 | Petty, Brian P | Direct | Sell | 2122026 | 29.56 | 15,000 | 443,400 | 2,693,123 | Form | |
| 8 | Burrough, Eric E | Direct | Buy | 11182025 | 28.50 | 5,000 | 142,500 | 4,982,740 | Form |
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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