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ChoiceOne Financial Services, Inc.

COFS Finance Major Banks
$34.26
▲ +3.3% Today
as of Oct 23, 16:47 ET
Last 30 days +0.32% Sep 14 → Oct 23
$31.98 $32.59 $33.20 $33.82 $34.43 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$33.82
High
$34.47
Low
$33.54
Volume
$87,714
Avg Vol
$97,868
Mkt Cap
$495M
P/E (TTM)
12.21
Beta
—
52w High
$35.40
52w Low
$26.63
Div Yield
—
Shares Out
$15M

Recent Press Releases & News last 60 days · 3 items

COFS earnings at a glance

Over its last 5 reports the stock rose the next day 3 times and fell 2, moving ±2.7% on average; after the most recent report on Jul 24, 2026 it moved -2.8%. COFS beat the consensus EPS estimate in 6 of its last 6 reported quarters. The share price of $34.26 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$27
$35
87% of range
Avg surprise (last 6)
+7.5%
Avg reaction (last 5)
+0.4%
60% positive

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.68$0.75$0.82$0.90$0.97 Actual $0.75Actual $0.69Actual $0.68Actual $0.74Actual $0.87Actual $0.85Actual $0.86Est $0.82Actual $0.91Est $0.80Actual $0.97Est $0.86Actual $0.92Est $0.91Actual $0.91Est $0.85Actual $0.93Est $0.88 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$-14M$5M$24M$43M$62M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Fri Jul 24, 2026Jun/2026 $0.93 $0.88 +5.7% -3.3% -2.8% earnings
Fri Apr 24, 20268K 2026-04-24 $0.91 $0.85 +7.1% — +2.0% earnings
Fri Jan 30, 20268K 2026-01-30 $0.92 $0.91 +1.1% — -2.9% earnings
Fri Oct 24, 2025Sep/2025 $0.97 $0.86 +12.8% — — earnings
Fri Jul 25, 2025Jun/2025 $0.91 $0.80 +13.8% — +4.6% earnings
Wed Apr 30, 2025Mar/2025 $0.86 $0.82 +4.9% — +1.0% earnings
Mon Sep 30, 2024Sep 2024 $0.85 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.87 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.74 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.68 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.69 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.75 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$5M$59M—$5M$5M$45M—$3M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$12M$14M—$15M$14M$-14M—$7M
EPS (diluted)$0.83$0.91—$0.97$0.90$-1.29—$0.85

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$89M$84M$88M$99M$156M$139M$97M$146M
Inventory————————
Total current assets————————
Total assets$4.46B$4.39B$4.41B$4.30B$4.31B$4.31B$2.72B$2.72B
Long-term debt————————
Total liabilities$3.97B$3.92B$3.95B$3.85B$3.88B$3.88B$2.46B$2.48B
Total equity$483M$470M$465M$450M$432M$427M$260M$248M

Implied volatility — last 90 days

No IV snapshots yet for COFS.

IV is captured twice daily (9:15 AM & 4:30 PM ET) for tickers with upcoming earnings. Comes online automatically once the next options refresh runs.

Sector peers

COFS earnings FAQ

How does COFS stock usually react to earnings?

Across the last 5 reports the average next-day move was ±2.7%, up 3 times and down 2 times.

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