Choiceone Financial Services (COFS) Latest Stock Analysis Report – Oct 15, 2026, 4:00 PM ET
Updated Oct 15, 2026, 4:00 PM ET
- Closed at $32.92, +2.40% vs the prior close of $32.15.
- Volume 140.50K shares, 1.8x its 50-day average (heavy).
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
COFS rises 2.4% to $32.92 on 1.8x normal volume. Closed at $32.92, +2.40% vs the prior close of $32.15. Day range $32.31–$33.21, opened at $32.40.
COFS daily analysis — what happened
A plain-English, data-only note written after every US trading day. Newest first; older days stay archived below.
Oct 15, 2026 — COFS rises 2.4% to $32.92 on 1.8x normal volume
- Closed at $32.92, +2.40% vs the prior close of $32.15. Day range $32.31–$33.21, opened at $32.40.
- Volume was 140.50K shares, 1.8x its 50-day average of 76.87K — unusually heavy trading.
- Price is -1.4% vs its 50-day average ($33.38) and +5.4% vs its 200-day average ($31.24).
- 52-week range $26.10–$35.40; today's close sits at 73% of that range, 7.0% below the 52-week high.
Oct 14, 2026 — COFS dips 1.0% to $32.15, a 3-month low on 1.9x normal volume
- Closed at $32.15, -1.05% vs the prior close of $32.49. Day range $31.91–$32.43, opened at $32.11.
- Volume was 143.70K shares, 1.9x its 50-day average of 75.59K — unusually heavy trading.
- Price is -3.8% vs its 50-day average ($33.41) and +3.0% vs its 200-day average ($31.22).
- 52-week range $26.10–$35.40; today's close sits at 65% of that range, 9.2% below the 52-week high.
Oct 13, 2026 — COFS dips 0.7% to $32.49
- Closed at $32.49, -0.67% vs the prior close of $32.71. Day range $32.31–$32.81, opened at $32.81.
- Volume was 84.30K shares, 1.1x its 50-day average of 75.01K.
- Price is -2.9% vs its 50-day average ($33.46) and +4.1% vs its 200-day average ($31.21).
- 52-week range $26.10–$35.40; today's close sits at 69% of that range, 8.2% below the 52-week high.
Oct 12, 2026 — COFS rises 0.7% to $32.71
- Closed at $32.71, +0.71% vs the prior close of $32.48. Day range $32.40–$33.03, opened at $32.40.
- Volume was 95.00K shares, 1.3x its 50-day average of 74.62K.
- Price is -2.3% vs its 50-day average ($33.49) and +4.8% vs its 200-day average ($31.20).
- 52-week range $26.10–$35.40; today's close sits at 71% of that range, 7.6% below the 52-week high.
Oct 9, 2026 — COFS dips 1.6% to $32.48
- Closed at $32.48, -1.64% vs the prior close of $33.02. Day range $32.41–$33.13, opened at $33.07.
- Volume was 75.40K shares, 1.0x its 50-day average of 73.84K.
- Price is -3.1% vs its 50-day average ($33.52) and +4.1% vs its 200-day average ($31.19).
- 52-week range $26.10–$35.40; today's close sits at 69% of that range, 8.2% below the 52-week high.
Oct 8, 2026 — COFS ends flat (-0.2%) to $33.02
- Closed at $33.02, -0.21% vs the prior close of $33.09. Day range $32.92–$33.57, opened at $33.02.
- Volume was 109.70K shares, 1.5x its 50-day average of 74.30K.
- Price is -1.6% vs its 50-day average ($33.54) and +5.9% vs its 200-day average ($31.18).
- 52-week range $26.10–$35.40; today's close sits at 74% of that range, 6.7% below the 52-week high.
Oct 7, 2026 — COFS ends flat (+0.2%) to $33.09
- Closed at $33.09, +0.21% vs the prior close of $33.02. Day range $32.50–$33.19, opened at $32.72.
- Volume was 79.60K shares, 1.1x its 50-day average of 74.36K.
- Price is -1.4% vs its 50-day average ($33.57) and +6.2% vs its 200-day average ($31.17).
- 52-week range $26.10–$35.40; today's close sits at 75% of that range, 6.5% below the 52-week high.
Oct 6, 2026 — COFS ends flat (-0.1%) to $33.02
- Closed at $33.02, -0.09% vs the prior close of $33.05. Day range $33.01–$33.32, opened at $33.20.
- Volume was 57.30K shares, 0.8x its 50-day average of 75.51K.
- Price is -1.7% vs its 50-day average ($33.59) and +6.0% vs its 200-day average ($31.16).
- 52-week range $26.10–$35.40; today's close sits at 74% of that range, 6.7% below the 52-week high.
Oct 5, 2026 — COFS ends flat (-0.2%) to $33.05
- Closed at $33.05, -0.18% vs the prior close of $33.11. Day range $32.85–$33.24, opened at $33.00.
- Volume was 51.50K shares, 0.7x its 50-day average of 77.39K.
- Price is -1.7% vs its 50-day average ($33.61) and +6.1% vs its 200-day average ($31.16).
- 52-week range $26.10–$35.40; today's close sits at 75% of that range, 6.6% below the 52-week high.
Oct 2, 2026 — COFS rises 0.7% to $33.11
- Closed at $33.11, +0.73% vs the prior close of $32.87. Day range $32.56–$33.15, opened at $33.12.
- Volume was 84.80K shares, 1.1x its 50-day average of 77.38K.
- Price is -1.5% vs its 50-day average ($33.61) and +6.3% vs its 200-day average ($31.15).
- 52-week range $26.10–$35.40; today's close sits at 75% of that range, 6.5% below the 52-week high.
COFS latest news & SEC filings
Every SEC filing by or about COFS in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Oct 2, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Wendling Michelle M received an award of 213 shares at $32.31 (≈$6.88K) on Oct 1, 2026; now holds 7,690
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Oct 2, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Petty Brian P received an award of 514 shares at $32.31 (≈$16.61K) on Oct 1, 2026; now holds 92,701
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Oct 2, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Page Roxanne M received an award of 213 shares at $32.31 (≈$6.88K) on Oct 1, 2026; now holds 7,535
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Oct 2, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Mcginnis Bradley F. received an award of 514 shares at $32.31 (≈$16.61K) on Oct 1, 2026; now holds 14,733
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Oct 2, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Mcconnell Gregory A received an award of 213 shares at $32.31 (≈$6.88K) on Oct 1, 2026; now holds 37,659
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Oct 2, 2026 · Form 4 — Insider trade
Insider trade report (Form 4) — a director, officer or 10%+ owner changed their holdings
- Krause Steven Theodore received an award of 514 shares at $32.31 (≈$16.61K) on Oct 1, 2026; now holds 18,113
Open-market purchases (P) and sales (S) are shown in colour; awards, exercises and tax withholding are routine pay-related moves. Many sales are pre-planned under 10b5-1 plans.
Aug 10, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Net income: $12.46M (prior year $13.53M) (-7.9% vs Jun 30, 2025)
- Diluted EPS: $0.83 (prior year $0.90) (-7.8% vs Jun 30, 2025)
Jul 24, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Jun 18, 2026 · Form EFFECT — EFFECT filing
EFFECT filing
Jun 18, 2026 · Form EFFECT — EFFECT filing
EFFECT filing
Things to know before you trade COFS
- Last results release: Jul 24, 2026 (8-K Item 2.02). Previous ones: Apr 24, 2026, Jan 30, 2026, Jul 25, 2025. Based on that rhythm, the next report is likely around Oct 23, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 0.84% (largest 2.4%). That is a relatively calm stock.
- Liquidity: about 87.63K shares (≈$2.88M) trade per day on average.
- 52-week position: $32.92 vs a range of $26.10–$35.40 (73% of the range).
- Dividends: last ex-dividend date Sep 15, 2026 ($0.29/share); 4 payments in the past 12 months.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 8 open-market buys, 1 sales; latest: Adom Greenland bought 500 shares on Mar 12, 2026.
- Latest filings: 10-Q Aug 10, 2026; 8-K Jul 24, 2026; 8-K May 22, 2026.
- Share count: 14.96M shares outstanding (Jul 31, 2026), -0.4% vs a year earlier.
- Listing: Nasdaq · industry: State Commercial Banks.
COFS market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 15, 2026 | 32.40 | 33.21 | 32.31 | 32.92 | 140.50K |
| Oct 14, 2026 | 32.11 | 32.43 | 31.91 | 32.15 | 143.70K |
| Oct 13, 2026 | 32.81 | 32.81 | 32.31 | 32.49 | 84.30K |
| Oct 12, 2026 | 32.40 | 33.03 | 32.40 | 32.71 | 95.00K |
| Oct 9, 2026 | 33.07 | 33.13 | 32.41 | 32.48 | 75.40K |
| Oct 8, 2026 | 33.02 | 33.57 | 32.92 | 33.02 | 109.70K |
| Oct 7, 2026 | 32.72 | 33.19 | 32.50 | 33.09 | 79.60K |
| Oct 6, 2026 | 33.20 | 33.32 | 33.01 | 33.02 | 57.30K |
| Oct 5, 2026 | 33.00 | 33.24 | 32.85 | 33.05 | 51.50K |
| Oct 2, 2026 | 33.12 | 33.15 | 32.56 | 33.11 | 84.80K |
| Oct 1, 2026 | 32.31 | 32.87 | 31.90 | 32.87 | 59.40K |
| Sep 30, 2026 | 32.78 | 32.98 | 32.26 | 32.31 | 108.00K |
| Sep 29, 2026 | 33.09 | 33.09 | 32.46 | 32.78 | 124.70K |
| Sep 28, 2026 | 32.95 | 33.12 | 32.61 | 32.95 | 81.80K |
| Sep 25, 2026 | 32.92 | 33.23 | 32.90 | 33.06 | 54.00K |
| Sep 24, 2026 | 32.50 | 33.11 | 32.42 | 32.87 | 46.90K |
| Sep 23, 2026 | 32.69 | 33.04 | 32.32 | 32.44 | 57.40K |
| Sep 22, 2026 | 33.18 | 33.43 | 32.78 | 32.87 | 50.90K |
| Sep 21, 2026 | 33.33 | 33.36 | 32.88 | 32.96 | 48.60K |
| Sep 18, 2026 | 33.11 | 33.49 | 32.62 | 33.34 | 199.10K |
About Choiceone Financial Services
Choiceone Financial Services (COFS) is listed on the Nasdaq and classified by the SEC under “State Commercial Banks”. Its business address is in SPARTA, MI. State of incorporation: MI. Fiscal year ends December 31. SEC CIK 803164.
COFS board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Greg L. Armock | Director | Jul 6, 2026 |
| Keith D. Brophy | Director | Jul 6, 2026 |
| Michael J. Jr. Burke | President | May 4, 2026 |
| Harold J Burns | Director | Jul 6, 2026 |
| Eric E Burrough | Director | Jul 6, 2026 |
| Curt E Coulter | Director | Jul 6, 2026 |
| Bruce John Jr Essex | Director | Jul 6, 2026 |
| Randy D Hicks | Director | Jul 6, 2026 |
| Steven Theodore Krause | Director | Jul 6, 2026 |
| Gregory A Mcconnell | Director | Jul 6, 2026 |
| Bradley F. Mcginnis | Director | Jul 6, 2026 |
| Brian P Petty | Director | Jul 6, 2026 |
| Roxanne M Page | Director | Jul 6, 2026 |
| Kelly Potes | Chief Executive Officer | May 4, 2026 |
| Michelle M Wendling | Director | Jul 6, 2026 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Michael J. Jr. Burke | President | May 4, 2026 |
| Adom Greenland | Secretary | May 4, 2026 |
| Bradley Henion | E.V.P. - ChoiceOne Bank (Sub.) | May 4, 2026 |
| Kelly Potes | Chief Executive Officer | May 4, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Mar 12, 2026 | Adom Greenland | Buy | 500 | $27.40 |
| Mar 11, 2026 | Eric E Burrough | Buy | 5,000 | $27.50 |
| Mar 6, 2026 | Gregory A Mcconnell | Buy | 1,050 | $27.94 |
| Mar 3, 2026 | Bradley F. Mcginnis | Buy | 1,000 | $29.15 |
| Feb 27, 2026 | Michael J. Jr. Burke | Buy | 250 | $28.58 |
| Feb 13, 2026 | Gregory A Mcconnell | Buy | 550 | $29.10 |
| Feb 13, 2026 | Gregory A Mcconnell | Buy | 1,000 | $29.00 |
| Feb 11, 2026 | Brian P Petty | Sale | 15,000 | $29.56 |
| Nov 17, 2025 | Eric E Burrough | Buy | 5,000 | $28.50 |
COFS financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | $227.62M | $28.18M | 2.01 | $31.81M |
| Dec 31, 2024 | $139.10M | $26.73M | 3.25 | $47.08M |
| Dec 31, 2023 | $113.89M | $21.26M | 2.82 | $46.33M |
| Dec 31, 2022 | $89.13M | $23.64M | 3.15 | $44.33M |
| Dec 31, 2021 | — | $22.04M | 2.86 | $37.70M |
Latest balance sheet: total assets $4.46B, total liabilities $3.97B, cash $88.65M (as of Jun 30, 2026).
COFS earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Jul 24, 2026 | 8-K Item 2.02 (results) | $32.72 |
| Apr 24, 2026 | 8-K Item 2.02 (results) | $30.78 |
| Jan 30, 2026 | 8-K Item 2.02 (results) | $28.69 |
| Jul 25, 2025 | 8-K Item 2.02 (results) | $30.36 |
| Apr 30, 2025 | 8-K Item 2.02 (results) | $28.43 |
| Jan 22, 2025 | 8-K Item 2.02 (results) | $34.44 |
| Oct 23, 2024 | 8-K Item 2.02 (results) | $31.04 |
| Jul 25, 2024 | 8-K Item 2.02 (results) | — |
| Apr 24, 2024 | 8-K Item 2.02 (results) | — |
| Jan 25, 2024 | 8-K Item 2.02 (results) | — |
| Oct 25, 2023 | 8-K Item 2.02 (results) | — |
| Jul 26, 2023 | 8-K Item 2.02 (results) | — |
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Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 15, 2026, 4:00 PM ET. Filings: SEC EDGAR. Updated after every US trading day.