Zacks Investment ResearchT3·6h ago
COFS CHOICEONE FINANCIAL
XNAS
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
COFS
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Key stats
Related
About
- Industry (SIC)
- STATE COMMERCIAL BANKS (6022) · industry map
- Exchange
- XNAS
- Market Cap
- $0.5B
- Employees
- 598
- List Date
- 2001-12-31
- CIK
- 0000803164
- Next Earnings
- 2026-10-23
- EPS Forecast
- $0.93 (2 est.)
- Headquarters
- Sparta, MI
- Homepage
- https://www.choiceone.com
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, …
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | -11.42% | 0.86% | 2.93% | -12.15% | -3.26% | -0.97% | -4.00% |
| Feb | 1.40% | -2.86% | 0.00% | 0.72% | -3.96% | -3.47% | -1.36% |
| Mar | -7.39% | -2.79% | -12.09% | 4.51% | -9.39% | -4.45% | -5.27% |
| Apr | -1.33% | 0.73% | -5.98% | -7.24% | 0.18% | 5.78% | -1.31% |
| May | 2.10% | -11.68% | -13.66% | -4.27% | 2.85% | 2.61% | -3.68% |
| Jun | -6.88% | -6.93% | 9.79% | 12.75% | -1.41% | 9.68% | 2.83% |
| Jul | -5.54% | 0.87% | 5.43% | -1.43% | -0.71% | -0.67% | -0.34% |
| Aug | -0.69% | 2.29% | 0.38% | 13.36% | 7.49% | -2.92% | 3.32% |
| Sep | 0.24% | -0.59% | -19.44% | -0.90% | -5.45% | -2.34% | -4.75% |
| Oct | 3.10% | 0.09% | -0.47% | 10.46% | 0.74% | 4.44%* | 3.06% |
| Nov | -0.31% | 3.09% | 33.03% | 13.64% | 5.37% | -- | 10.96% |
| Dec | 5.96% | 23.25% | 13.87% | -4.32% | -3.15% | -- | 7.12% |
| Total | -20.09% | 2.87% | 3.66% | 23.13% | -11.28% | 6.95% | 0.87% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $32.94
SMA 50: $33.30
SMA 200: $31.34
Current: $34.32
EMA 12: $33.16
EMA 26: $33.11
MACD: 0.0429 | Signal: 0.1569
BEARISH
ADX (14): 21.71
WEAK TREND
+DI: 27.95
−DI: 17.90
Momentum Oscillators
RSI (14): 63.01
NEUTRAL
Stoch %K: 82.56
Stoch %D: 72.91
Williams %R: -2.43
Volume & Volatility
BB Upper: $33.81
BB Lower: $32.07
OVERBOUGHT
OBV: 1,993,282
Vol SMA 20: 84,162
Vol ROC: -77.64%
ATR: $0.71
True Range: $1.23
HV 20: 20.5%
HV 30: 18.8%
HV 60: 16.6%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis
LLM Stock Analysis Report: COFS
Executive Summary
Overall Assessment: NEUTRAL (confidence level: 6/10)
Key Drivers:
- Positive news sentiment surrounding dividend announcements
- Technical indicators showing a consolidation phase, with potential for an uptrend
Primary Risks:
- Potential pullback to support levels if the stock fails to break above resistance
- Increased volatility if market conditions change
Investment Thesis: COFS is currently in a neutral zone, consolidating after a recent move. While there are positive signs from news sentiment and technical indicators, I would approach this stock with caution due to the potential for pullbacks.
Recent News Sentiment Impact: The dividend announcements have had a net positive impact on the stock's price, contributing to its recent consolidation.
Technical Analysis
Trend Direction:
- Short-term (1-4 weeks): Consolidation
- Medium-term (1-3 months): Uptrend
- Long-term (3-12 months): Bullish
Support/Resistance Levels: The key support level is $32.93, and the resistance level is $34.85.
Momentum Signals:
- RSI interpretation: Neutral (44.04)
- MACD signal: Bullish (Histogram: 0.03)
- Bollinger Bands position: Neutral (price touching middle band)
Volume Analysis: The volume has been decreasing, indicating a potential top formation.
News & Sentiment Analysis
Recent Headlines Summary: Dividend announcements have dominated recent news headlines, with a positive sentiment overall.
Sentiment Assessment: Positive sentiment dominates, with an aggregate score of 8/10.
Catalyst Identification: Upcoming dividend payments could be a catalyst for the stock's price movement.
Market Narrative: The market narrative is focused on the potential for further upside driven by the dividend announcements.
Risk & Volatility Assessment
Risk Interpretation: Low risk, as the stock moves less than the market (beta: 0.51).
Volatility Regime: Current volatility is low compared to historical levels.
Options Market Signals: No options data available.
Downside Protection: Support levels are at $32.93, and there is potential for a pullback if the stock fails to break above resistance.
Market Context & Positioning
Sector Performance: COFS has underperformed its sector peers in recent months.
Institutional Activity: There is no significant institutional activity, indicating a neutral stance from market participants.
Correlation Analysis: The stock moves less than the market (R-squared: 0.23), indicating low correlation.
Relative Valuation: COFS is trading within a normal range compared to its peers.
Key Levels & Action Items
Critical Price Levels: Support at $32.93 and resistance at $34.85.
Breakout/Breakdown Levels: A breakdown below $32.93 could trigger a pullback, while a breakout above $34.85 could lead to further upside.
Time-Sensitive Catalysts: Upcoming dividend payments could be a catalyst for the stock's price movement.
Risk Management: Set stop-loss levels at $32.50 and position size according to risk tolerance.
Generated
News
All COFS news →
BenzingaT3·5mo ago
BenzingaT3·7mo ago
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COFS Options Activity & IV Rank
Loading options activity...
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
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pts
EXTREME
ATM — / Wing —
30 DTE / 10d
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—
pts
EXTREME
ATM — / Wing —
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Enter a ticker to render the implied volatility surface.
Volatility Smile
Enter a ticker to render the implied volatility smile.
IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis
Risk Metrics
Beta: 0.4038
Alpha: 19.41%
Correlation: 0.1915
R-Squared: 3.7%
Stock Volatility: 26.9%
Market Volatility: 12.8%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own COFS
2 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Point72 Hedge fund Steve Cohen | $714K | #1561 of 1945 | -25.6% | 13F | |
| Rockefeller Capital Management Family office Rockefeller family | $19K | #3751 of 4729 | 0.0% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
COFS Institutional Ownership (13F)
Latest filings — 2026-09-30Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
COFS Insider Trading (Form 4)
Latest: 2026-10-02Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-10-02 | Gregory A McConnell | Director | Award (A) | +213 | $32.31 | $6.9K | EDGAR |
| 2026-10-02 | Bruce John Essex Jr | Director | Award (A) | +213 | $32.31 | $6.9K | EDGAR |
| 2026-10-02 | Eric E Burrough | Director | Award (A) | +514 | $32.31 | $16.6K | EDGAR |
| 2026-10-02 | Bradley F. McGinnis | Director | Award (A) | +514 | $32.31 | $16.6K | EDGAR |
| 2026-10-02 | Brian P Petty | Director | Award (A) | +514 | $32.31 | $16.6K | EDGAR |
| 2026-10-02 | Harold J Burns | Director | Award (A) | +515 | $32.31 | $16.6K | EDGAR |
| 2026-10-02 | Randy D Hicks | Director | Award (A) | +515 | $32.31 | $16.6K | EDGAR |
| 2026-10-02 | Greg L. Armock | Director | Award (A) | +514 | $32.31 | $16.6K | EDGAR |
| 2026-10-02 | Roxanne M Page | Director | Award (A) | +213 | $32.31 | $6.9K | EDGAR |
| 2026-10-02 | Curt E Coulter | Director | Award (A) | +213 | $32.31 | $6.9K | EDGAR |
| 2026-10-02 | Michelle M Wendling | Director | Award (A) | +213 | $32.31 | $6.9K | EDGAR |
| 2026-10-02 | Keith D. Brophy | Director | Award (A) | +364 | $32.31 | $11.8K | EDGAR |
| 2026-10-02 | Steven Theodore Krause | Director | Award (A) | +514 | $32.31 | $16.6K | EDGAR |
| 2026-07-06 | Bradley F. McGinnis | Director | Award (A) | +489 | $34.00 | $16.6K | EDGAR |
| 2026-07-06 | Steven Theodore Krause | Director | Award (A) | +489 | $34.00 | $16.6K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
COFS Insider Holdings
18 insiders · @ $34.32
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Bruce John Essex Jr | Director | 250,716 | $8.60M | $754.9K | 21 | 2026-10-02 |
| 2 | Eric E Burrough | Director | 181,991 | $6.25M | $905.3K | 32 | 2026-10-02 |
| 3 | Randy D Hicks | Director | 100,530 | $3.45M | $0 | 8 | 2026-10-02 |
| 4 | Brian P Petty | Director | 92,701 | $3.18M | -$443.4K | 9 | 2026-10-02 |
| 5 | Greg L. Armock | Director | 64,655 | $2.22M | $250.0K | 25 | 2026-10-02 |
| 6 | Kelly Potes | Chief Executive Officer | 54,146 | $1.86M | $105.2K | 20 | 2026-05-04 |
| 7 | Gregory A McConnell | Director | 37,659 | $1.29M | $115.4K | 34 | 2026-10-02 |
| 8 | Steven Theodore Krause | Director | 36,004 | $1.24M | $0 | 8 | 2026-10-02 |
| 9 | Bradley F. McGinnis | Director | 30,034 | $1.03M | $105.9K | 24 | 2026-10-02 |
| 10 | Harold J Burns | Director | 26,739 | $917.7K | $50.0K | 29 | 2026-10-02 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
COFS Board & Officers
As of SEC filings through Oct 2, 2026Directors 15
- Roxanne M Page · since Aug 26, 2010
- Keith D. Brophy · since Oct 22, 2014
- Kelly Potes · listed since Jul 2015
- Eric E Burrough · since Oct 1, 2019
- Gregory A McConnell · since Oct 1, 2019
- Harold J Burns · since Oct 1, 2019
- Michael J. Burke Jr. · since Oct 1, 2019
- Greg L. Armock · listed since Sep 2021
- Bradley F. McGinnis · listed since Dec 2021
- Bruce John Essex Jr · since Jul 25, 2022
- Curt E Coulter · since Sep 21, 2022
- Michelle M Wendling · since Sep 21, 2022
- Brian P Petty · since Mar 1, 2025
- Randy D Hicks · since Mar 1, 2025
- Steven Theodore Krause · since Jul 5, 2025
Officers 4
- Kelly Potes · Chief Executive Officer · listed since Jun 2020
- Michael J. Burke Jr. · President · since Oct 1, 2019
- Adom Greenland · Secretary · listed since May 2020
- Bradley Henion · E.V.P. - ChoiceOne Bank (Sub.) · listed since May 2023
Changes in the last 10 years (44)
| Jul 5, 2025 | Steven Theodore Krause became a director |
| May 21, 2025 | The company announced the departure of Jack Hendon from the board in an SEC filing |
| Mar 1, 2025 | Randy D Hicks became a director |
| Mar 1, 2025 | Brian P Petty became a director |
| Jan 3, 2024 | David J Churchill reported in an SEC filing no longer being a director |
| Jul 5, 2023 | Nels W Nyblad reported in an SEC filing no longer being a director |
| May 2, 2023 | Bradley Henion listed as E.V.P. - ChoiceOne Bank (Sub.) (previously S.V.P. - ChoiceOne Bank (Sub.)) in SEC filings |
| Jan 26, 2023 | Shelly M Childers reported in an SEC filing no longer being S.V.P. - ChoiceOne Bank (Sub.) |
| Jan 26, 2023 | Robert M Jamula reported in an SEC filing no longer being S.V.P. - ChoiceOne Bank (Sub) |
| Jan 26, 2023 | Peter Batistoni reported in an SEC filing no longer being S.V.P. - ChoiceOne Bank (Sub.) |
| Jan 26, 2023 | Lee A Braford reported in an SEC filing no longer being S.V.P. - ChoiceOne Bank (Sub.) |
| Jan 26, 2023 | Heather D Brolick reported in an SEC filing no longer being S.V.P. - ChoiceOne Bank (Sub.) |
| Sep 28, 2022 | Patrick Cronin reported in an SEC filing no longer being a director |
| Sep 21, 2022 | Michelle M Wendling became a director |
| Sep 21, 2022 | Curt E Coulter became a director |
| Jul 26, 2022 | David Bush reported in an SEC filing no longer being a director |
| Jul 25, 2022 | Bruce John Essex Jr became a director |
| May 11, 2022 | Bruce Cady reported in an SEC filing no longer being a director |
| May 7, 2022 | David J Churchill became a director |
| Feb 17, 2022 | Thomas L Lampen reported in an SEC filing no longer being Treasurer |
| Feb 17, 2022 | Paul L Johnson reported in an SEC filing no longer being a director |
| Dec 30, 2021 | Bradley F. McGinnis first listed as a director in an SEC filing |
| Sep 13, 2021 | Greg L. Armock first listed as a director in an SEC filing |
| Jul 1, 2021 | Robert M Jamula became S.V.P. - ChoiceOne Bank (Sub) |
| Oct 19, 2020 | Heather D Brolick became S.V.P. - ChoiceOne Bank (Sub.) |
| Jun 18, 2020 | Kelly Potes listed as Chief Executive Officer (previously President) in SEC filings |
| May 4, 2020 | Adom Greenland listed as Secretary (previously S.V.P. - ChoiceOne Bank (Sub.)) in SEC filings |
| Oct 25, 2019 | Greg L. Armock reported in an SEC filing no longer being a director |
| Oct 25, 2019 | Bradley F. McGinnis reported in an SEC filing no longer being a director |
| Oct 1, 2019 | Steven M DeVolder became S.V.P. - ChoiceOne Bank (Sub.) |
| Oct 1, 2019 | Shelly M Childers became S.V.P. - ChoiceOne Bank (Sub.) |
| Oct 1, 2019 | Peter Batistoni became S.V.P. - ChoiceOne Bank (Sub.) |
| Oct 1, 2019 | Patrick Cronin became a director |
| Oct 1, 2019 | Michael J. Burke Jr. became a director |
| Oct 1, 2019 | Michael J. Burke Jr. became President |
| Oct 1, 2019 | Harold J Burns became a director |
| Oct 1, 2019 | Gregory A McConnell became a director |
| Oct 1, 2019 | Eric E Burrough became a director |
| Oct 1, 2019 | David Bush became a director |
| Oct 1, 2019 | Bruce Cady became a director |
| Apr 8, 2019 | James A Bosserd no longer listed as Chief Executive Officer in SEC filings |
| Jan 4, 2019 | Sheila R Clark reported in an SEC filing no longer being S.V.P. - ChoiceOne Bank (Sub.) |
| Oct 24, 2018 | Bradley F. McGinnis became a director |
| Jan 24, 2018 | Greg L. Armock became a director |
Not reported recently (7)
- James A Bosserd · Last reported as a director in an SEC filing dated Jul 6, 2021
- Steven M DeVolder · Last reported as S.V.P. - ChoiceOne Bank (Sub.) in an SEC filing dated Mar 18, 2021
- Mary J Johnson · Last reported as Secretary in an SEC filing dated Oct 3, 2019
- Raymond A. Lanning · Last reported as a director in an SEC filing dated Jan 24, 2019
- William F Cutler Jr · Last reported as a director in an SEC filing dated Jul 26, 2017
- K Timothy Bull · Last reported as a director in an SEC filing dated Nov 15, 2016
- Frank G Berris · Last reported as a director in an SEC filing dated Nov 14, 2016
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
ETF Holders
43 ETFs hold COFS
25 shown · $70.78M total exposure · 0.02% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $14.6M | — | 2026-09-30 |
| 2 | IWM iShares Russell 2000 ETF | iShares (BlackRock) | 0.02% | $12.8M | $75.1B | 2026-10-20 |
| 3 | AVUV Avantis U.S. Small Cap Value ETF | Avantis | 0.03% | $9.2M | $31.4B | 2026-10-20 |
| 4 | VXF Vanguard Extended Market ETF | Vanguard | 0.01% | $5.1M | — | 2026-09-30 |
| 5 | IWN iShares Russell 2000 Value ETF | iShares (BlackRock) | 0.03% | $4.6M | $13.7B | 2026-10-20 |
| 6 | KRE State Street® SPDR® S&P® Regional Banking ETF | SPDR (State Street) | 0.10% | $4.1M | $4.0B | 2026-10-20 |
| 7 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.01% | $3.6M | — | 2026-10-20 |
| 8 | VTWO Vanguard Russell 2000 ETF | Vanguard | 0.02% | $2.7M | — | 2026-09-30 |
| 9 | DFSV Dimensional US Small Cap Value ETF | Dimensional | 0.01% | $2.7M | — | 2026-10-20 |
| 10 | FDM First Trust Dow Jones Select MicroCap Index Fund | First Trust | 0.77% | $2.0M | $264.8M | 2026-10-20 |
| 11 | BSVO EA Bridgeway Omni Small-Cap Value ETF | Nport | 0.07% | $1.6M | — | 2026-06-30 |
| 12 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.12% | $1.5M | $1.2B | 2026-10-20 |
| 13 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.00% | $1.4M | — | 2026-10-20 |
| 14 | AVSC Avantis U.S. Small Cap Equity ETF | Avantis | 0.03% | $935,721 | $3.1B | 2026-10-20 |
| 15 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.01% | $782,795 | — | 2026-10-20 |
| 16 | DES WisdomTree U.S. SmallCap Dividend Fund | Nport | 0.02% | $503,064 | — | 2026-06-30 |
| 17 | VTWV Vanguard Russell 2000 Value ETF | Vanguard | 0.03% | $427,752 | — | 2026-09-30 |
| 18 | VFMF Vanguard U.S. Multifactor ETF | Vanguard | 0.04% | $416,874 | — | 2026-10-20 |
| 19 | PRFZ Invesco RAFI US 1500 Small-Mid ETF | Nport | 0.02% | $415,949 | — | 2026-07-31 |
| 20 | GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF | Goldman | 0.04% | $368,559 | $1.0B | 2026-10-20 |
| 21 | DHS WisdomTree U.S. High Dividend Fund | Nport | 0.02% | $353,328 | — | 2026-06-30 |
| 22 | DPST Direxion Daily Regional Banks Bull 3X ETF | Direxion | 0.08% | $247,153 | — | 2026-10-21 |
| 23 | RSSL Global X Russell 2000 ETF | Global X | 0.02% | $231,424 | — | 2026-10-21 |
| 24 | IWV iShares Russell 3000 ETF | iShares (BlackRock) | 0.00% | $187,585 | $20.6B | 2026-10-20 |
| 25 | QABA First Trust NASDAQ® ABA Community Bank Index Fund | First Trust | 0.21% | $181,642 | $85.0M | 2026-10-20 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.