Ownership and insider activity for ChoiceOne Financial Services, Inc. (COFS): insider transactions, US Senate and House trading disclosures and shares outstanding. Track how corporate insiders and politicians are trading the stock.
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities.
Price
| Price | $33.36 |
| Market Cap | $499M |
| Exchange | NASDAQ |
| Country | US |
Balance Sheet (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $14.8M | $36.8M | $19.7M | $59.6M | $79.5M | $31.9M | $43.9M | $55.4M | $96.4M | $88.0M |
| Short-term Investments | $174.4M | $155.6M | $166.6M | $339.6M | $574.8M | $1.10B | $529.7M | $514.6M | $479.1M | $134.3M |
| Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | $189.2M | $192.4M | $186.3M | $399.1M | $654.3M | $1.13B | $573.7M | $570.0M | $575.9M | $222.3M |
| Property, Plant & Equipment | $12.6M | $12.9M | $15.9M | $24.3M | $29.5M | $29.9M | $28.2M | $29.8M | $27.1M | $48.1M |
| Goodwill | $13.7M | $13.7M | $13.7M | $52.9M | $60.5M | $59.9M | $59.9M | $59.9M | $59.9M | $129.9M |
| Intangible Assets | 0 | 0 | 0 | $6.0M | $5.3M | $4.0M | $2.8M | $1.9M | $1.1M | $28.0M |
| Total Assets | $607.4M | $646.5M | $670.5M | $1.39B | $1.92B | $2.37B | $2.39B | $2.58B | $2.72B | $4.41B |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-term Debt | $7.9M | $7.1M | $4.8M | $33.0M | 0 | $50.0M | $50.0M | $20.0M | $155.0M | $245.0M |
| Total Current Liabilities | $520.3M | $547.0M | $581.8M | $1.19B | $1.67B | $2.10B | $2.17B | $2.14B | $2.37B | $3.85B |
| Long-term Debt | $12.3M | $20.3M | $5.2M | $198000 | $12.4M | $35.0M | $35.3M | $215.5M | $55.8M | $68.5M |
| Total Liabilities | $535.7M | $570.0M | $590.1M | $1.19B | $1.69B | $2.15B | $2.22B | $2.38B | $2.46B | $3.95B |
| Retained Earnings | $26.0M | $26.0M | $26.7M | $28.1M | $37.5M | $52.3M | $68.4M | $73.7M | $91.4M | $102.6M |
| Total Equity | $71.7M | $76.5M | $80.5M | $192.1M | $227.3M | $221.7M | $168.9M | $195.6M | $260.4M | $465.4M |
| Total Debt | $20.2M | $27.4M | $10.0M | $33.2M | $12.4M | $85.0M | $85.3M | $235.5M | $210.8M | $313.5M |
| Net Debt | -$169.0M | -$165.0M | -$176.3M | -$365.9M | -$641.9M | -$1.05B | -$488.4M | -$334.5M | -$364.8M | $91.2M |
| Working Capital | -$331.1M | -$354.6M | -$395.5M | -$788.5M | -$1.02B | -$971.5M | -$1.59B | -$1.57B | -$1.79B | -$3.62B |
Financial Health
| Debt / Equity | 0.71 |
| Current Ratio | 0.17 |
| Piotroski F-Score | 5 |
| Altman Z-Score | -0.82 |
Profitability
| Return on Equity | 11.72% |
| Return on Invested Capital | 3.36% |
| Return on Assets | 1.23% |
| Gross Margin | 62.28% |
| Operating Margin | 19.22% |
| Net Margin | 29.96% |
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