Tearsheet

ChoiceOne Financial Services (COFS)

Market Price (6/1/2026): $30.75 | Market Cap: $460.9 Mil
Sector: Financials | Industry: Regional Banks

ChoiceOne Financial Services (COFS)

Market Price (6/1/2026): $30.75
Market Cap: $460.9 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.3%, FCF Yield is 7.2%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -90%

Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 68%

Attractive cash flow generation
CFO/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 volatility
Vol 12M is 28%

Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.

Trading close to highs
Dist 52W High is -1.6%

Weak multi-year price returns
2Y Excs Rtn is -7.1%, 3Y Excs Rtn is -13%

Key risks
COFS key risks include [1] challenges and capital strain from its Fentura Financial merger, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 9.3%, FCF Yield is 7.2%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -90%
2	Strong revenue growth Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 68%
3	Attractive cash flow generation CFO/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%
4	Low stock price volatility Vol 12M is 28%
5	Megatrend and thematic drivers Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending, and Digital Payments.
6	Trading close to highs Dist 52W High is -1.6%
7	Weak multi-year price returns 2Y Excs Rtn is -7.1%, 3Y Excs Rtn is -13%
8	Key risks COFS key risks include [1] challenges and capital strain from its Fentura Financial merger, Show more.

Valuation, Metrics & Events

	6/1/26	2025	2024	2023	2022
Share Price CYE	$30.75	$29.52	$35.64	$29.30	$29.00
Market Cap CYE ($ Mil)	460.9	443.6	319.7	221.1	217.9
Total Debt ($ Mil)	233.6	313.5	210.8	235.5	85.3
Total Cash ($ Mil)	84.2	88.0	96.8	55.4	43.9
Enterprise Value ($ Mil)	610.3	757.1	530.5	456.6	303.2
Valuation Ratios
P/S TTM	2.7	2.7	3.5	2.7	2.7
P/EBIT TTM	-	-	-	-	-
P/E TTM	8.3	15.7	12.0	10.4	9.2
P/FCF TTM	13.7	17.6	7.0	5.3	5.1
Sector Ratios
P/S TTM (Sector)	3.1	3.0	3.1	2.8	2.7
P/EBIT TTM (Sector)	6.0	7.2	7.8	7.1	6.8
P/E TTM (Sector)	11.2	11.0	11.5	9.9	9.3
P/FCF TTM (Sector)	8.3	8.7	9.0	7.9	6.4

	6/1/26	2025	2024
Share Price CYE	$30.75	$29.52	$35.64
Market Cap CYE ($ Mil)	460.9	443.6	319.7
Total Debt ($ Mil)	233.6	313.5	210.8
Total Cash ($ Mil)	84.2	88.0	96.8
Enterprise Value ($ Mil)	610.3	757.1	530.5
Valuation Ratios
P/S TTM	2.7	2.7	3.5
P/EBIT TTM	-	-	-
P/E TTM	8.3	15.7	12.0
P/FCF TTM	13.7	17.6	7.0
Sector Ratios
P/S TTM (Sector)	3.1	3.0	3.1
P/EBIT TTM (Sector)	6.0	7.2	7.8
P/E TTM (Sector)	11.2	11.0	11.5
P/FCF TTM (Sector)	8.3	8.7	9.0

	COFS	S&P 500
REVENUE GROWTH	VERY GOOD
Rev LTM ($ Bil)	0.2
Rev Chg Q	35.9%	8.7%
Rev Chg LTM	67.7%	7.4%
Rev Chg 3Y Avg	31.4%	5.8%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.0
Net Inc LTM ($ Bil)	0.1
CFO/Rev LTM	23.7%	21.1%
Net Inc Mgn	32.3%	13.0%
VALUATION	LOW
P/S	2.7	3.2
P/CFO	11.2	14.9
P/FCF	13.7	19.6
P/E	8.3	23.7

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Metric	Value	Date	Source
Efficiency Ratio	54.76%	9302025	Link
Net Interest Margin	3.73%	9302025	Link
Nonperforming Loans to Total Loans	0.69%	9302025	Link
Annualized Net Loan Charge-offs to Average Loans	0.03%	9302025	Link
Non-owner Occupied Commercial Real Estate (CRE) Loans to Total Capital	275.2%	9302025	Link
Percentage of Uninsured Deposits	33.2%	9302025	Link
Total Risk-Based Capital Ratio	12.7%	12312024	Link
Number of Full-Service Offices	56	6302025	Link
Core Loan Growth	$114.5 million	12312024	Link
Available Borrowing Capacity	$837.2 million	12312024	Link

Upcoming
6/15/2026	Dividend	Amount: $0.29 Payment On: 6/30/2026

Price Chart

Why The Stock Moved

Qualitative Assessment

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Updated on 5/1/2026
ChoiceOne Financial Services (COFS) stock has gained about 10% since 2/28/2026 because of the following key factors:

1. ChoiceOne Financial Services reported a significant turnaround in its First Quarter 2026 financial results, with diluted earnings per share (EPS) of $0.91, swinging from a loss of $1.29 per share in Q1 2025. This EPS figure also surpassed analyst expectations by 7.5%. The company's net income reached $13.7 million, a substantial increase from a net loss of $13.9 million in the prior year's quarter. This strong performance was partly attributed to the non-recurrence of merger-related expenses that impacted Q1 2025.

2. The company demonstrated healthy operational improvements, including an increased Net Interest Margin (NIM) and robust deposit growth. ChoiceOne's NIM rose to 3.63% for the first quarter of 2026, up from 3.59% in the fourth quarter of 2025. Additionally, deposits, excluding brokered deposits, grew by $68.9 million, representing an annualized increase of 7.9% during the first quarter of 2026.

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Stock Movement Drivers

Fundamental Drivers

The 10.9% change in COFS stock from 2/28/2026 to 5/31/2026 was primarily driven by a 115.1% change in the company's Net Income Margin (%).

(LTM values as of)	2282026	5312026	Change
Stock Price ($)	28.32	31.40	10.9%
Change Contribution By:
Total Revenues ($ Mil)	143	173	20.8%
Net Income Margin (%)	15.0%	32.3%	115.1%
P/E Multiple	19.8	8.4	-57.4%
Shares Outstanding (Mil)	15	15	0.2%
Cumulative Contribution			10.9%

LTM = Last Twelve Months as of date shown

Market Drivers

2/28/2026 to 5/31/2026

	Return	Correlation
COFS	10.9%
Market (SPY)	10.6%	36.8%
Sector (XLF)	0.8%	42.7%

Fundamental Drivers

The 5.2% change in COFS stock from 11/30/2025 to 5/31/2026 was primarily driven by a 115.1% change in the company's Net Income Margin (%).

(LTM values as of)	11302025	5312026	Change
Stock Price ($)	29.85	31.40	5.2%
Change Contribution By:
Total Revenues ($ Mil)	143	173	20.8%
Net Income Margin (%)	15.0%	32.3%	115.1%
P/E Multiple	20.9	8.4	-59.6%
Shares Outstanding (Mil)	15	15	0.2%
Cumulative Contribution			5.2%

LTM = Last Twelve Months as of date shown

Market Drivers

11/30/2025 to 5/31/2026

	Return	Correlation
COFS	5.2%
Market (SPY)	11.3%	30.8%
Sector (XLF)	-2.4%	46.0%

Fundamental Drivers

The 10.3% change in COFS stock from 5/31/2025 to 5/31/2026 was primarily driven by a 362.9% change in the company's Net Income Margin (%).

(LTM values as of)	5312025	5312026	Change
Stock Price ($)	28.46	31.40	10.3%
Change Contribution By:
Total Revenues ($ Mil)	103	173	67.7%
Net Income Margin (%)	7.0%	32.3%	362.9%
P/E Multiple	42.3	8.4	-80.0%
Shares Outstanding (Mil)	11	15	-28.8%
Cumulative Contribution			10.3%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2025 to 5/31/2026

	Return	Correlation
COFS	10.3%
Market (SPY)	29.8%	37.1%
Sector (XLF)	2.8%	55.1%

Fundamental Drivers

The 69.3% change in COFS stock from 5/31/2023 to 5/31/2026 was primarily driven by a 111.2% change in the company's Total Revenues ($ Mil).

(LTM values as of)	5312023	5312026	Change
Stock Price ($)	18.55	31.40	69.3%
Change Contribution By:
Total Revenues ($ Mil)	82	173	111.2%
Net Income Margin (%)	29.0%	32.3%	11.3%
P/E Multiple	5.9	8.4	43.6%
Shares Outstanding (Mil)	8	15	-49.8%
Cumulative Contribution			69.3%

LTM = Last Twelve Months as of date shown

Market Drivers

5/31/2023 to 5/31/2026

	Return	Correlation
COFS	69.3%
Market (SPY)	88.1%	31.2%
Sector (XLF)	70.5%	42.9%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
COFS Return	-11%	14%	5%	26%	-14%	8%	25%
Peers Return	35%	-2%	10%	19%	5%	14%	109%
S&P 500 Return	27%	-19%	24%	23%	16%	10%	101%
Monthly Win Rates [3]
COFS Win Rate	58%	50%	33%	50%	33%	40%
Peers Win Rate	65%	37%	50%	47%	53%	68%
S&P 500 Win Rate	75%	42%	67%	75%	67%	60%
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 5/29/2026 (YTD)

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

Compare to IBCP, MBWM, HBNC, SRCE, FFBC

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.

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

Compare to IBCP, MBWM, HBNC, SRCE, FFBC

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)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, 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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ChoiceOne Financial Services (COFS), through its subsidiary ChoiceOne Bank, provides community banking services to a broad base of clients rather than having a few identifiable major customers. As a bank, its customer base consists of numerous individuals and businesses within the communities it serves. Therefore, its customers can be categorized as follows:

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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Here are the key risks to the business of ChoiceOne Financial Services (COFS):

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.

Interactive Breakdown

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Better Bets vs. ChoiceOne Financial Services (COFS)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Can ChoiceOne Financial Services Stock Hold Up When Markets Turn?	10/17/2025

	Title
0	ARTICLES

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FLNC	Fluence Energy	2.5	-11.6%	-4.6%
FCEL	FuelCell Energy	1.0	-11.2%	196.3%
IHRT	iHeartMedia	0.7	-11.1%	3.6%
HLIT	Harmonic	1.7	-11.1%	52.8%

Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
UMAC	Unusual Machines	1.2	114.7%	149.5%
CRSR	Corsair Gaming	1.3	75.2%	104.4%
DELL	Dell Technologies	277.8	66.5%	235.8%
RDW	Redwire	4.2	60.1%	223.3%
SNOW	Snowflake	87.5	54.4%	16.5%
ASPI	ASP Isotopes	0.8	50.5%	45.4%
ONDS	Ondas	5.0	44.0%	35.5%
PD	PagerDuty	0.9	41.1%	-24.1%
NTAP	NetApp	34.5	40.6%	64.4%
MOV	Movado	0.8	39.2%	88.3%

Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
VRRM	Verra Mobility	0.7	-66.3%	-79.9%
PLAB	Photronics	1.9	-36.6%	1.1%
GKOS	Glaukos	5.9	-25.7%	-8.5%
BTGO	BitGo	0.7	-22.6%	-67.5%
MOVE	Corvex	1.3	-22.3%	210.5%
GTN-A	Gray Media	0.7	-19.8%	-42.4%
GSHD	Goosehead Insurance	0.8	-19.1%	-53.3%
FBYD	Falcons Beyond Global	0.7	-18.8%	3.3%
ZS	Zscaler	22.3	-18.3%	-37.9%
FCEL	FuelCell Energy	1.0	-17.9%	196.3%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
RDW	Redwire	4.2	185.7%	223.3%
BAND	Bandwidth	2.0	168.5%	320.5%
INOD	Innodata	3.4	162.8%	106.0%
UMAC	Unusual Machines	1.2	131.3%	149.5%
WOLF	Wolfspeed	1.6	131.3%	240.5%
PSNL	Personalis	1.1	126.2%	43.2%
VPG	Vishay Precision	1.7	122.7%	225.5%
ENPH	Enphase Energy	9.0	119.2%	113.3%
TE	T1 Energy	2.3	116.0%	58.1%
XMTR	Xometry	4.9	110.4%	60.2%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
VRRM	Verra Mobility	0.7	-69.7%	-79.9%
EMBC	Embecta	0.2	-61.1%	-71.0%
OPTU	Optimum Communications	0.3	-57.3%	-60.1%
BRBR	BellRing Brands	1.0	-52.3%	-68.7%
FWRD	Forward Air	0.3	-50.8%	-57.7%
GTM	ZoomInfo Technologies	1.0	-45.7%	-67.3%
TRDA	Entrada Therapeutics	0.3	-44.4%	-31.2%
CABO	Cable One	0.3	-41.6%	-53.4%
PAHC	Phibro Animal Health	1.2	-41.4%	-17.4%
UI	Ubiquiti	35.3	-39.8%	5.8%

Peer Comparisons

Peers to compare with:

Financials

	COFS	IBCP	MBWM	HBNC	SRCE	FFBC	Median
Name	ChoiceOn.	Independ.	Mercanti.	Horizon .	1st Sour.	First Fi.
Mkt Price	31.40	34.32	52.99	18.55	73.82	30.76	32.86
Mkt Cap	0.5	0.7	0.9	0.9	1.8	3.2	0.9
Rev LTM	173	223	253	-27	443	962	238
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	34	38	43	81	202	800	62
FCF 3Y Avg	34	53	59	51	196	463	56
CFO LTM	41	48	49	85	210	831	67
CFO 3Y Avg	39	61	65	57	206	488	63

Growth & Margins

	COFS	IBCP	MBWM	HBNC	SRCE	FFBC	Median
Name	ChoiceOn.	Independ.	Mercanti.	Horizon .	1st Sour.	First Fi.
Rev Chg LTM	67.7%	2.8%	9.8%	-113.4%	11.5%	14.4%	10.6%
Rev Chg 3Y Avg	31.4%	3.4%	7.3%	-41.5%	6.8%	7.5%	7.0%
Rev Chg Q	35.9%	8.9%	18.1%	6.2%	8.7%	31.1%	13.5%
QoQ Delta Rev Chg LTM	6.9%	2.1%	4.3%	13.4%	2.1%	6.9%	5.6%
Op Inc Chg LTM	-	-	-	-	-	-	-
Op Inc Chg 3Y Avg	-	-	-	-	-	-	-
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	23.7%	21.6%	19.5%	-	47.5%	86.4%	23.7%
CFO/Rev 3Y Avg	36.8%	28.6%	27.8%	-	51.1%	54.2%	36.8%
FCF/Rev LTM	19.5%	17.2%	17.0%	-	45.6%	83.2%	19.5%
FCF/Rev 3Y Avg	33.2%	24.9%	24.9%	-	48.7%	51.4%	33.2%

Valuation

	COFS	IBCP	MBWM	HBNC	SRCE	FFBC	Median
Name	ChoiceOn.	Independ.	Mercanti.	Horizon .	1st Sour.	First Fi.
Mkt Cap	0.5	0.7	0.9	0.9	1.8	3.2	0.9
P/S	2.7	3.2	3.6	-	4.0	3.3	3.3
P/Op Inc	-	-	-	-	-	-	-
P/EBIT	-	-	-	-	-	-	-
P/E	8.4	10.1	9.9	-6.4	11.2	11.4	10.0
P/CFO	11.5	14.6	18.5	11.2	8.5	3.8	11.3
Total Yield	13.7%	13.0%	12.8%	-12.4%	11.2%	11.8%	12.3%
Dividend Yield	1.8%	3.1%	2.7%	3.2%	2.2%	3.1%	2.9%
FCF Yield 3Y Avg	12.8%	8.9%	8.5%	7.4%	13.4%	18.1%	10.8%
D/E	0.5	0.1	0.5	0.3	0.1	0.3	0.3
Net D/E	-0.9	-0.4	-1.1	-0.5	-0.6	-1.3	-0.7

Returns

	COFS	IBCP	MBWM	HBNC	SRCE	FFBC	Median
Name	ChoiceOn.	Independ.	Mercanti.	Horizon .	1st Sour.	First Fi.
1M Rtn	2.6%	3.0%	2.0%	1.3%	0.5%	1.2%	1.6%
3M Rtn	10.9%	-0.4%	3.4%	11.2%	10.8%	10.6%	10.7%
6M Rtn	5.2%	6.8%	17.1%	10.3%	19.6%	26.0%	13.7%
12M Rtn	10.3%	12.5%	23.9%	30.0%	25.0%	32.3%	24.4%
3Y Rtn	68.5%	129.2%	120.0%	135.6%	90.4%	75.9%	105.2%
1M Excs Rtn	-1.8%	-2.7%	-1.7%	-2.7%	-3.9%	-3.4%	-2.7%
3M Excs Rtn	0.7%	-10.6%	-6.8%	1.0%	0.6%	0.4%	0.5%
6M Excs Rtn	-7.9%	-6.5%	3.1%	-1.2%	6.2%	12.2%	0.9%
12M Excs Rtn	-18.2%	-16.2%	-5.4%	1.9%	-4.1%	3.8%	-4.7%
3Y Excs Rtn	-13.1%	41.5%	33.0%	41.4%	1.3%	-8.5%	17.2%

FDIC Bank Data

Bank Capital

null

Bank Deposits

null

Bank Assets

null

Bank Loans

null

FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	3/31/2026	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	5/11/2026	3/13/2026	3/11/2025	3/13/2024	3/23/2023	3/18/2022	4/1/2021
Key Financials
Total Revenue	173	162	92	81	81	80	74
Net Income	56	28	27	21	24	22	16
EPS	3.71	2.02	3.27	2.82	3.15	2.87	2.08
Growth Rates
Total Revenue Growth	67.7%	75.0%	14.4%	-0.7%	1.9%	8.2%	99.7%
Net Income Growth	676.2%	5.4%	25.7%	-10.1%	7.2%	41.2%	117.7%
Margins
Net Income Margin	32.3%	17.4%	28.9%	26.3%	29.0%	27.6%	21.2%
Cash & Debt
Total Cash	658	222	576	570	574	1,131	654
Total Debt	234	313	211	236	85	85	12
Net Debt / (Cash)	-424	91	-365	-335	-488	-1,046	-642
Cash Flows & CapEx
Net Cash from Operations	41	32	47	46	44	38	8
Total CapEx	-7	-7	-2	-4	-1	-3	-2
Free Cash from Operations	34	25	45	42	43	35	7
Returns to Shareholders
Dividends	17	17	9	8	8	7	6
Share Repurchases	2	3	-0	-0	1	8	-0

$ Mil \| FY: 12/31	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2
Period End	3/31/2026	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023
Filing Date	5/11/2026	3/13/2026	11/10/2025	8/8/2025	5/12/2025	3/11/2025	11/8/2024	8/14/2024	5/7/2024	3/13/2024	11/13/2023	8/14/2023
Key Financials Quarterly
Total Revenue	42	43	45	43	31	24	25	22	21	21	20	20
Net Income	14	14	15	14	-14	7	7	7	6	5	5	5
EPS	0.91	0.92	0.98	0.90	-1.30	0.79	0.86	0.87	0.75	0.70	0.68	0.69
Key Financials TTM
Total Revenue TTM	173	162	143	124	103	92	89	84	81	81	81	82
Net Income TTM	56	28	21	14	7	27	25	23	21	21	23	23
Growth Rates Quarterly
Total Revenue Growth	35.9%	76.4%	78.1%	90.7%	52.2%	18.2%	26.0%	14.7%	-0.8%	-2.4%	-2.2%	-0.7%
Net Income Growth	198.5%	93.7%	99.8%	105.5%	-346.8%	35.3%	43.5%	26.3%	0.0%	-20.8%	-11.9%	-7.2%
Margins Quarterly
Net Income Margin	32.3%	32.3%	32.8%	31.6%	-44.5%	29.4%	29.3%	29.3%	27.4%	25.7%	25.7%	26.6%
Cash & Debt
Total Cash	658	222	108	166	155	576	643	593	655	570	635	598
Total Debt	234	313	246	247	186	211	246	246	246	236	215	195
Net Debt / (Cash)	-424	91	139	80	30	-365	-398	-347	-409	-335	-420	-403
Cash Flows Quarterly
FCF from Operations	-0	14	15	12	-9	23	-7	16	15	-11	32	16
Cash Flows TTM
FCF from Operations TTM	41	32	41	19	22	47	13	52	52	46	70	47
Returns to Shareholders Quarterly
Dividends	4	4	4	4	4	3	2	2	2	2	2	2
Share Repurchases	1	1	-0	-0	2	-0	-0	-0	-0	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	-	12.2%	11.9%	12.6%	-14.5%	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	6.2%	4.3%	3.3%	1.9%	-	-	-	-	-	-	-

Segment Financials

Net Income by Segment

$ Mil	2025	2024	2023	2022	2021
Commercial banking		21
Total		21

Assets by Segment

$ Mil	2025	2024	2023	2022	2021
Commercial banking	2,723	2,577
Total	2,723	2,577

Price Behavior

Price Behavior

Market Price	$31.40
Market Cap ($ Bil)	0.5
First Trading Date	02/23/2007
Distance from 52W High	-1.6%
	50 Days	200 Days
DMA Price	$29.97	$29.21
DMA Trend	up	up
Distance from DMA	4.8%	7.5%
	3M	1YR
Volatility	22.3%	28.3%
Downside Capture	52.87	92.73
Upside Capture	71.22	75.64
Correlation (SPY)	36.7%	36.8%

COFS Betas & Captures as of 5/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.56	0.77	0.56	0.63	0.88	0.79
Up Beta	1.20	0.96	0.57	0.77	1.14	0.81
Down Beta	0.70	0.02	0.32	0.41	0.72	0.78
Up Capture	55%	71%	68%	57%	67%	55%
Bmk +ve Days	13	28	36	67	141	432
Stock +ve Days	10	21	31	61	114	367
Down Capture	-2%	75%	55%	70%	95%	93%
Bmk -ve Days	7	13	27	57	109	318
Stock -ve Days	10	20	32	63	133	375

[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	10.6%	28.2%	0.34	-
Sector ETF (XLF)	3.5%	14.4%	0.02	54.9%
Equity (SPY)	30.3%	11.8%	1.94	36.7%
Gold (GLD)	37.5%	26.7%	1.17	4.1%
Commodities (DBC)	39.6%	18.8%	1.63	-16.2%
Real Estate (VNQ)	12.5%	13.1%	0.64	36.4%
Bitcoin (BTCUSD)	-32.0%	41.6%	-0.82	19.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with COFS
COFS	8.0%	33.6%	0.29	-
Sector ETF (XLF)	8.4%	18.6%	0.34	33.7%
Equity (SPY)	14.3%	17.0%	0.66	25.8%
Gold (GLD)	18.8%	18.0%	0.85	7.6%
Commodities (DBC)	10.2%	19.4%	0.41	6.3%
Real Estate (VNQ)	3.4%	18.8%	0.08	29.3%
Bitcoin (BTCUSD)	14.5%	54.6%	0.46	12.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with COFS
COFS	2.7%	37.8%	0.22	-
Sector ETF (XLF)	12.8%	22.1%	0.53	27.5%
Equity (SPY)	15.9%	17.9%	0.76	21.5%
Gold (GLD)	13.3%	16.0%	0.69	4.1%
Commodities (DBC)	7.3%	17.9%	0.33	11.2%
Real Estate (VNQ)	5.7%	20.7%	0.24	25.6%
Bitcoin (BTCUSD)	66.9%	66.9%	1.06	12.4%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	5152026
Short Interest: Shares Quantity	0.2 Mil
Short Interest: % Change Since 4302026	0.0%
Average Daily Volume	0.1 Mil
Days-to-Cover Short Interest	3.0 days
Basic Shares Quantity	15.0 Mil
Short % of Basic Shares	1.2%

Returns Analyses

	Title
0	Can ChoiceOne Financial Services Stock Hold Up When Markets Turn?

Earnings Returns History

Updated N/A/N/A/N/A

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
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%
...
SUMMARY STATS
# Positive	15	15	13
# Negative	8	8	10
Median Positive	1.2%	2.6%	5.0%
Median Negative	-1.6%	-3.6%	-5.1%
Max Positive	9.1%	7.8%	44.2%
Max Negative	-14.0%	-11.0%	-15.0%

	Forward Returns
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%
7/28/2020	0.0%	0.0%	-1.9%
SUMMARY STATS
# Positive	15	15	13
# Negative	8	8	10
Median Positive	1.2%	2.6%	5.0%
Median Negative	-1.6%	-3.6%	-5.1%
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

Recent Forward Guidance

Updated 5/31/2026

Latest: 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

Prior: 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%		Raised	Guidance: 4.10 Mil for 2025

Insider Activity

Updated 5/4/2026

Expand for More

#	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

COFS Trade Sentinel

Stock Conviction

null

CONVICTION RATIONALE

null

STOCK ARCHETYPE

null

Looking for high-conviction positions with a better risk/reward profile? See what's currently in the Trefis High Quality Portfolio.

INVESTMENT THESIS

null

Mechanism: null

Supporting Evidence:

PRIMARY RISK

null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

Diversification Alternatives

How Is The Market Pricing COFS?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What COFS Makes & Who Pays

TTM figures based on

COFS Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

Regional Banks Resources

Bank Director

Independent Banker

S&P Global Market Intelligence

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
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Core Cache Last Updated: 5/31/2026

ChoiceOne Financial Services (COFS)

Market Price (6/1/2026): $30.75 | Market Cap: $460.9 MilSector: Financials | Industry: Regional Banks

ChoiceOne Financial Services (COFS)

Market Price (6/1/2026): $30.75Market Cap: $460.9 MilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

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About ChoiceOne Financial Services (COFS)

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Market Price (6/1/2026): $30.75 | Market Cap: $460.9 Mil
Sector: Financials | Industry: Regional Banks

Market Price (6/1/2026): $30.75
Market Cap: $460.9 Mil
Sector: Financials
Industry: Regional Banks