ChoiceOne Financial Services, Inc. (COFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$37.61+3.75%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · COFS
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
• Core loans increased $33.6 million, or 4.4% annualized, during the third quarter of 2026, and $145.4 million, or 5.0%, during the twelve months ended September 30, 2026, reflecting continued loan p…
Stated in 3 of 3 supplied quarters. Management reported: “• Core loans increased $33.6 million, or 4.4% annualized, during the third quarter of 2026, and $145.4 million, or 5.0%, during the twelve months ended September 30, 2026, reflecting continued loan production.” ““The combination of strong loan production, growth in relationship-based deposits, and continued credit discipline drove improved net interest margin and profitability.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“• Core loans increased $33.6 million, or 4.4% annualized, during the third quarter of 2026, and $145.4 million, or 5.0%, during the twelve months ended September 30, 2026, reflecting continued loan p…”
““Our disciplined approach to balance sheet management is improving our earning asset mix and interest rate positioning, while supporting continued momentum through the remainder of 2026.””
“Our loan pipeline looks strong as we continue to grow organically through deep customer relationships and executing on our strategic priorities across Michigan," said Kelly Potes, Chief Executive Off…”
Growth in relationship-based deposits strengthened the balance sheet, improved liquidity, and reduced the Company's reliance on brokered deposits 1 and other borrowed funds.
Stated in 3 of 3 supplied quarters. Management reported: “Growth in relationship-based deposits strengthened the balance sheet, improved liquidity, and reduced the Company's reliance on brokered deposits 1 and other borrowed funds.” ““Our disciplined approach to balance sheet management is improving our earning asset mix and interest rate positioning, while supporting continued momentum through the remainder of 2026.””
“Growth in relationship-based deposits strengthened the balance sheet, improved liquidity, and reduced the Company's reliance on brokered deposits 1 and other borrowed funds.”
““Our disciplined approach to balance sheet management is improving our earning asset mix and interest rate positioning, while supporting continued momentum through the remainder of 2026.””
“After evaluating multiple rate scenarios, we determined that our interest rate risk profile and overall balance sheet flexibility are improved without the pay‑fixed interest rate swaps, and we believ…”
Management intends to purchase similar sized transferable tax credits in the remainder of 2026 to reduce tax expense.
Stated in 3 of 3 supplied quarters. Management reported: “Management intends to purchase similar sized transferable tax credits in the remainder of 2026 to reduce tax expense.” “Management intends to purchase similar sized transferable tax credits in the remainder of 2026 to reduce tax expense.”
“Management intends to purchase similar sized transferable tax credits in the remainder of 2026 to reduce tax expense.”
“Management intends to purchase similar sized transferable tax credits in the remainder of 2026 to reduce tax expense.”
“Management intends to purchase similar sized transferable tax credits in 2026 to reduce tax expense.”
ChoiceOne expects to open a full service branch and lending office in Troy, MI later in 2026.
Stated in 2 of 3 supplied quarters. Management reported: “ChoiceOne expects to open a full service branch and lending office in Troy, MI later in 2026.” “ChoiceOne has secured a location in Troy, MI and expects to open a full service branch and lending office later in 2026.”
“ChoiceOne expects to open a full service branch and lending office in Troy, MI later in 2026.”
“ChoiceOne has secured a location in Troy, MI and expects to open a full service branch and lending office later in 2026.”
Continue repurchases as part of management's stated capital and shareholder-value approach.
Over the trailing year it converted -0.22x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
3 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-04.