Choiceone Financial Services (COFS)
Choiceone Financial Services on one page: short interest, daily short volume, fails to deliver, large holders, 13F holders, financials, earnings dates and insider trades. Listed on Nasdaq, classified by the SEC as state commercial banks.
520K
Short interest
settlement 2026-09-30
6.5
Days to cover
-1.4 days vs prior
62.5%
Short share of volume
2026-10-23
295
Fails to deliver
settlement 2026-09-28
Fri 29 Jan
Next earnings
estimated date
$0
Insider flow, 90 days
0 buys, 0 sells
As of 2026-10-23.
Short interest
FINRA, twice a month. The newest 48 settlements in the table, 48 in the chart. JSONAs of 30 September 2026, short interest in COFS is 520,355 shares, up 67,601 shares over the last month. Over the last 48 readings it ranged from 70,022 shares (31 March 2025) to 550,177 shares (28 February 2025). The latest reading sits at the top of that range. At the reported average volume of 80K shares a day that is 6.5 days to cover.
Embed this chart.The embed keeps its attribution line.
<iframe src="https://xoomar.com/embed/stocks/cofs" width="100%" height="440" style="border:0;max-width:100%" loading="lazy" title="XOOMAR chart"></iframe>
| Settlement | Shares short | Change | Avg daily volume | Days to cover |
|---|---|---|---|---|
| 2026-09-30 | 520,355 | +0.7% | 80,008 | 6.50 |
| 2026-09-15 | 516,958 | +14.2% | 65,256 | 7.92 |
| 2026-08-31 | 452,754 | +14.8% | 75,159 | 6.02 |
| 2026-08-14 | 394,552 | +26.6% | 71,765 | 5.50 |
| 2026-07-31 | 311,568 | +5.1% | 101,057 | 3.08 |
| 2026-07-15 | 296,356 | -10.4% | 83,497 | 3.55 |
| 2026-06-30 | 330,661 | +22.5% | 150,984 | 2.19 |
| 2026-06-15 | 269,985 | +22.2% | 85,622 | 3.15 |
| 2026-05-29 | 220,894 | +22.9% | 78,224 | 2.82 |
| 2026-05-15 | 179,715 | +0.0% | 60,466 | 2.97 |
| 2026-04-30 | 179,712 | -10.6% | 69,129 | 2.60 |
| 2026-04-15 | 201,003 | -13.4% | 77,138 | 2.61 |
| 2026-03-31 | 232,031 | +15.7% | 68,484 | 3.39 |
| 2026-03-13 | 200,550 | +76.5% | 104,655 | 1.92 |
| 2026-02-27 | 113,635 | -9.0% | 92,661 | 1.23 |
| 2026-02-13 | 124,822 | -32.6% | 76,333 | 1.64 |
| 2026-01-30 | 185,187 | -15.7% | 75,456 | 2.45 |
| 2026-01-15 | 219,601 | +52.6% | 79,143 | 2.77 |
| 2025-12-31 | 143,866 | -34.6% | 122,657 | 1.17 |
| 2025-12-15 | 220,050 | -0.5% | 189,442 | 1.16 |
| 2025-11-28 | 221,044 | +5.8% | 140,813 | 1.57 |
| 2025-11-14 | 208,853 | +2.1% | 186,556 | 1.12 |
| 2025-10-31 | 204,506 | -17.3% | 105,878 | 1.93 |
| 2025-10-15 | 247,170 | -20.1% | 100,068 | 2.47 |
| 2025-09-30 | 309,307 | +6.4% | 78,198 | 3.96 |
| 2025-09-15 | 290,779 | +1.4% | 52,693 | 5.52 |
| 2025-08-29 | 286,683 | -8.6% | 64,785 | 4.43 |
| 2025-08-15 | 313,743 | -13.0% | 59,764 | 5.25 |
| 2025-07-31 | 360,512 | -8.1% | 75,160 | 4.80 |
| 2025-07-15 | 392,349 | -1.8% | 84,854 | 4.62 |
| 2025-06-30 | 399,493 | +204.1% | 266,955 | 1.50 |
| 2025-06-13 | 131,356 | +25.8% | 78,193 | 1.68 |
| 2025-05-30 | 104,394 | +20.6% | 70,536 | 1.48 |
| 2025-05-15 | 86,538 | +11.4% | 59,040 | 1.47 |
| 2025-04-30 | 77,697 | +4.9% | 59,720 | 1.30 |
| 2025-04-15 | 74,051 | +5.8% | 63,225 | 1.17 |
| 2025-03-31 | 70,022 | -8.7% | 59,523 | 1.18 |
| 2025-03-14 | 76,682 | -86.1% | 58,895 | 1.30 |
| 2025-02-28 | 550,177 | +17.6% | 37,122 | 14.82 |
| 2025-02-14 | 467,854 | +17.3% | 31,312 | 14.94 |
| 2025-01-31 | 398,787 | +10.6% | 19,266 | 20.70 |
| 2025-01-15 | 360,439 | +6.8% | 28,359 | 12.71 |
| 2024-12-31 | 337,620 | +7.8% | 31,614 | 10.68 |
| 2024-12-13 | 313,043 | +8.2% | 21,805 | 14.36 |
| 2024-11-29 | 289,305 | +0.1% | 25,422 | 11.38 |
| 2024-11-15 | 289,112 | +8.7% | 34,495 | 8.38 |
| 2024-10-31 | 265,947 | +25.4% | 38,080 | 6.98 |
| 2024-10-15 | 212,138 | +2.0% | 26,064 | 8.14 |
Daily short volume
FINRA Reg SHO, the last 30 sessions. JSONAs of 23 October 2026, the short share of COFS volume is 62.5%, up 7.2 points over the last five sessions. Over the last 30 readings it ranged from 26.0% (25 September 2026) to 76.0% (1 October 2026). The latest reading is 12.9 points above the 30-session average of 49.5%, on 25K shares reported.
| Date | Short volume | Total volume | Short share | Exempt |
|---|---|---|---|---|
| 2026-10-23 | 16K | 25K | 62.5% | 0 |
| 2026-10-22 | 10K | 17K | 59.8% | 0 |
| 2026-10-21 | 14K | 29K | 48.2% | 0 |
| 2026-10-20 | 7K | 16K | 46.1% | 0 |
| 2026-10-19 | 15K | 24K | 64.0% | 0 |
| 2026-10-16 | 11K | 20K | 55.3% | 0 |
| 2026-10-15 | 20K | 54K | 37.3% | 0 |
| 2026-10-14 | 15K | 31K | 47.7% | 80 |
| 2026-10-13 | 6K | 17K | 37.6% | 0 |
| 2026-10-12 | 11K | 26K | 40.5% | 0 |
| 2026-10-09 | 6K | 17K | 36.8% | 0 |
| 2026-10-08 | 16K | 41K | 38.6% | 0 |
| 2026-10-07 | 12K | 18K | 66.2% | 0 |
| 2026-10-06 | 8K | 14K | 59.8% | 0 |
| 2026-10-05 | 5K | 12K | 40.9% | 0 |
| 2026-10-02 | 12K | 28K | 43.3% | 160 |
| 2026-10-01 | 8K | 11K | 76.0% | 200 |
| 2026-09-30 | 13K | 23K | 57.2% | 0 |
| 2026-09-29 | 12K | 35K | 33.6% | 0 |
| 2026-09-28 | 8K | 17K | 45.3% | 0 |
| 2026-09-25 | 3K | 12K | 26.0% | 0 |
| 2026-09-24 | 5K | 10K | 54.3% | 0 |
| 2026-09-23 | 5K | 15K | 32.8% | 0 |
| 2026-09-22 | 4K | 9K | 48.9% | 69 |
| 2026-09-21 | 7K | 14K | 51.7% | 0 |
| 2026-09-18 | 16K | 27K | 61.2% | 20 |
| 2026-09-17 | 8K | 12K | 68.0% | 0 |
| 2026-09-16 | 13K | 21K | 65.0% | 0 |
| 2026-09-15 | 8K | 23K | 36.1% | 0 |
| 2026-09-14 | 8K | 18K | 45.5% | 0 |
Fails to deliver
SEC, the last 30 settlement dates with a fail. JSONAs of 28 September 2026, the fails-to-deliver balance in COFS is 295 shares, up 252 shares over the last settlement date. Over the last 30 readings it ranged from 4 shares (18 August 2026) to 9,249 shares (11 June 2026). The latest reading sits at the bottom of that range.
| Settlement | Shares failed | Price | Value |
|---|---|---|---|
| 2026-09-28 | 295 | $33.06 | $10K |
| 2026-09-21 | 43 | $33.34 | $1K |
| 2026-09-18 | 49 | $33.41 | $2K |
| 2026-09-16 | 512 | $33.80 | $17K |
| 2026-09-15 | 22 | $34.15 | $751 |
| 2026-09-14 | 67 | $34.05 | $2K |
| 2026-09-11 | 257 | $33.93 | $9K |
| 2026-09-03 | 1,355 | $33.73 | $46K |
| 2026-08-28 | 1,306 | $33.23 | $43K |
| 2026-08-26 | 278 | $33.24 | $9K |
| 2026-08-25 | 479 | $33.23 | $16K |
| 2026-08-24 | 1,328 | $33.14 | $44K |
| 2026-08-21 | 1,324 | $33.24 | $44K |
| 2026-08-18 | 4 | $34.17 | $137 |
| 2026-08-17 | 5,520 | $34.38 | $190K |
| 2026-08-13 | 118 | $34.38 | $4K |
| 2026-08-11 | 706 | $34.00 | $24K |
| 2026-07-23 | 137 | $33.48 | $5K |
| 2026-07-16 | 5 | $33.56 | $168 |
| 2026-07-01 | 782 | $34.00 | $27K |
| 2026-06-30 | 114 | $33.86 | $4K |
| 2026-06-25 | 4,652 | $33.09 | $154K |
| 2026-06-23 | 4,729 | $32.08 | $152K |
| 2026-06-22 | 5,634 | $31.87 | $180K |
| 2026-06-18 | 1,793 | $32.18 | $58K |
| 2026-06-17 | 117 | $32.08 | $4K |
| 2026-06-16 | 2,874 | $31.93 | $92K |
| 2026-06-12 | 373 | $32.42 | $12K |
| 2026-06-11 | 9,249 | $32.57 | $301K |
| 2026-05-28 | 3,408 | $31.57 | $108K |
Insider trades
SEC Form 4, newest first. JSONNo open-market insider trades were reported for COFS in the last 90 days. The most recent filings are listed below. Latest filing: Page Roxanne M (Director) on 2026-10-01.
| Date | Insider | Title | Type | Shares | Price | Value | Owned after |
|---|---|---|---|---|---|---|---|
| 2026-10-01 | Page Roxanne M | Director | Grant | 213 | $32.31 | $7K | 8K |
| 2026-10-01 | McGinnis Bradley F. | Director | Grant | 514 | $32.31 | $17K | 15K |
| 2026-10-01 | McConnell Gregory A | Director | Grant | 213 | $32.31 | $7K | 38K |
| 2026-10-01 | Krause Steven Theodore | Director | Grant | 514 | $32.31 | $17K | 18K |
| 2026-10-01 | PETTY BRIAN P | Director | Grant | 514 | $32.31 | $17K | 93K |
| 2026-10-01 | Wendling Michelle M | Director | Grant | 213 | $32.31 | $7K | 8K |
| 2026-10-01 | Armock Greg L. | Director | Grant | 514 | $32.31 | $17K | 47K |
| 2026-10-01 | Brophy Keith D. | Director | Grant | 364 | $32.31 | $12K | 14K |
| 2026-10-01 | Burns Harold J | Director | Grant | 515 | $32.31 | $17K | 27K |
| 2026-10-01 | Burrough Eric E | Director | Grant | 514 | $32.31 | $17K | 182K |
| 2026-10-01 | Coulter Curt E | Director | Grant | 213 | $32.31 | $7K | 11K |
| 2026-10-01 | Essex Bruce John Jr | Director | Grant | 213 | $32.31 | $7K | 251K |
| 2026-10-01 | Hicks Randy D | Director | Grant | 515 | $32.31 | $17K | 101K |
| 2026-07-01 | Wendling Michelle M | Director | Grant | 202 | $34.00 | $7K | 7K |
| 2026-07-01 | PETTY BRIAN P | Director | Grant | 489 | $34.00 | $17K | 92K |
| 2026-07-01 | Page Roxanne M | Director | Grant | 202 | $34.00 | $7K | 7K |
| 2026-07-01 | McGinnis Bradley F. | Director | Grant | 489 | $34.00 | $17K | 14K |
| 2026-07-01 | McConnell Gregory A | Director | Grant | 202 | $34.00 | $7K | 37K |
| 2026-07-01 | Krause Steven Theodore | Director | Grant | 489 | $34.00 | $17K | 18K |
| 2026-07-01 | Hicks Randy D | Director | Grant | 489 | $34.00 | $17K | 100K |
| 2026-07-01 | Essex Bruce John Jr | Director | Grant | 202 | $34.00 | $7K | 251K |
| 2026-07-01 | Coulter Curt E | Director | Grant | 202 | $34.00 | $7K | 11K |
| 2026-07-01 | Burrough Eric E | Director | Grant | 489 | $34.00 | $17K | 181K |
| 2026-07-01 | Burns Harold J | Director | Grant | 489 | $34.00 | $17K | 26K |
| 2026-07-01 | Brophy Keith D. | Director | Grant | 345 | $34.00 | $12K | 13K |
| 2026-07-01 | Armock Greg L. | Director | Grant | 489 | $34.00 | $17K | 46K |
| 2026-04-30 | Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | Grant | 1K | $0.00 | $0 | 6K |
| 2026-04-30 | Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | Tax withholding | 137 | $30.03 | $4K | 5K |
| 2026-04-30 | Greenland Adom | Secretary | Grant | 2K | $0.00 | $0 | 18K |
| 2026-04-30 | Greenland Adom | Secretary | Tax withholding | 127 | $30.03 | $4K | 16K |
| 2026-04-30 | Potes Kelly | Chief Executive Officer | Grant | 4K | $0.00 | $0 | 47K |
| 2026-04-30 | Potes Kelly | Chief Executive Officer | Tax withholding | 450 | $30.03 | $14K | 42K |
| 2026-04-30 | Burke Michael J. Jr. | President | Grant | 2K | $0.00 | $0 | 14K |
| 2026-04-30 | Burke Michael J. Jr. | President | Tax withholding | 252 | $30.03 | $8K | 11K |
| 2026-04-01 | Wendling Michelle M | Director | Grant | 244 | $28.12 | $7K | 7K |
| 2026-04-01 | PETTY BRIAN P | Director | Grant | 591 | $28.12 | $17K | 92K |
| 2026-04-01 | Page Roxanne M | Director | Grant | 244 | $28.12 | $7K | 7K |
| 2026-04-01 | McGinnis Bradley F. | Director | Grant | 591 | $28.12 | $17K | 14K |
| 2026-04-01 | McConnell Gregory A | Director | Grant | 244 | $28.12 | $7K | 37K |
| 2026-04-01 | Krause Steven Theodore | Director | Grant | 591 | $28.12 | $17K | 17K |
| 2026-04-01 | Hicks Randy D | Director | Grant | 591 | $28.12 | $17K | 100K |
| 2026-04-01 | Essex Bruce John Jr | Director | Grant | 244 | $28.12 | $7K | 250K |
| 2026-04-01 | Coulter Curt E | Director | Grant | 245 | $28.12 | $7K | 11K |
| 2026-04-01 | Burrough Eric E | Director | Grant | 591 | $28.12 | $17K | 181K |
| 2026-04-01 | Burns Harold J | Director | Grant | 591 | $28.12 | $17K | 26K |
| 2026-04-01 | Brophy Keith D. | Director | Grant | 418 | $28.12 | $12K | 13K |
| 2026-04-01 | Armock Greg L. | Director | Grant | 591 | $28.12 | $17K | 46K |
| 2026-03-12 | Greenland Adom | Secretary | Buy | 500 | $27.40 | $14K | 4K |
| 2026-03-11 | Burrough Eric E | Director | Buy | 5K | $27.50 | $138K | 180K |
| 2026-03-06 | McConnell Gregory A | Director | Buy | 1K | $27.94 | $29K | 37K |
| 2026-03-03 | McGinnis Bradley F. | Director | Buy | 1K | $29.15 | $29K | 15K |
| 2026-02-27 | Burke Michael J. Jr. | President | Buy | 250 | $28.58 | $7K | 3K |
| 2026-02-13 | McConnell Gregory A | Director | Buy | 1K | $29.00 | $29K | 36K |
| 2026-02-13 | McConnell Gregory A | Director | Buy | 550 | $29.10 | $16K | 35K |
| 2026-02-11 | PETTY BRIAN P | Director | Sell | 15K | $29.56 | $443K | 91K |
| 2026-02-09 | Krause Steven Theodore | Director | Gift | 625 | $0.00 | $0 | 4K |
| 2026-02-09 | Krause Steven Theodore | Director | Gift | 625 | $0.00 | $0 | 1K |
| 2026-02-09 | Krause Steven Theodore | Director | Gift | 625 | $0.00 | $0 | 6K |
| 2026-02-09 | Krause Steven Theodore | Director | Gift | 625 | $0.00 | $0 | 6K |
| 2026-02-09 | Krause Steven Theodore | Director | Gift | 3K | $0.00 | $0 | 30K |
| 2026-01-01 | Wendling Michelle M | Director | Grant | 233 | $29.52 | $7K | 7K |
| 2026-01-01 | PETTY BRIAN P | Director | Grant | 563 | $29.52 | $17K | 106K |
| 2026-01-01 | Page Roxanne M | Director | Grant | 233 | $29.52 | $7K | 7K |
| 2026-01-01 | McGinnis Bradley F. | Director | Grant | 564 | $29.52 | $17K | 13K |
| 2026-01-01 | McConnell Gregory A | Director | Grant | 233 | $29.52 | $7K | 34K |
| 2026-01-01 | Krause Steven Theodore | Director | Grant | 564 | $29.52 | $17K | 16K |
| 2026-01-01 | Hicks Randy D | Director | Grant | 563 | $29.52 | $17K | 99K |
| 2026-01-01 | Essex Bruce John Jr | Director | Grant | 233 | $29.52 | $7K | 250K |
| 2026-01-01 | Coulter Curt E | Director | Grant | 232 | $29.52 | $7K | 10K |
| 2026-01-01 | Burrough Eric E | Director | Grant | 564 | $29.52 | $17K | 175K |
| 2026-01-01 | Burns Harold J | Director | Grant | 614 | $29.52 | $18K | 25K |
| 2026-01-01 | Brophy Keith D. | Director | Grant | 423 | $29.52 | $12K | 12K |
| 2026-01-01 | Armock Greg L. | Director | Grant | 648 | $29.52 | $19K | 44K |
| 2025-12-01 | Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | Tax withholding | 93 | $30.44 | $3K | 5K |
| 2025-12-01 | Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | Exercise or conversion | 120 | $21.13 | $3K | 5K |
| 2025-11-17 | Burrough Eric E | Director | Buy | 5K | $28.50 | $143K | 175K |
| 2025-10-01 | Wendling Michelle M | Director | Grant | 237 | $28.96 | $7K | 7K |
| 2025-10-01 | PETTY BRIAN P | Director | Grant | 574 | $28.96 | $17K | 106K |
| 2025-10-01 | Page Roxanne M | Director | Grant | 238 | $28.96 | $7K | 7K |
| 2025-10-01 | McGinnis Bradley F. | Director | Grant | 574 | $28.96 | $17K | 13K |
| 2025-10-01 | McConnell Gregory A | Director | Grant | 238 | $28.96 | $7K | 34K |
| 2025-10-01 | Krause Steven Theodore | Director | Grant | 574 | $28.96 | $17K | 16K |
| 2025-10-01 | Hicks Randy D | Director | Grant | 574 | $28.96 | $17K | 98K |
| 2025-10-01 | Essex Bruce John Jr | Director | Grant | 238 | $28.96 | $7K | 250K |
| 2025-10-01 | Coulter Curt E | Director | Grant | 238 | $28.96 | $7K | 10K |
| 2025-10-01 | Burrough Eric E | Director | Grant | 574 | $28.96 | $17K | 170K |
| 2025-10-01 | Burns Harold J | Director | Grant | 574 | $28.96 | $17K | 24K |
| 2025-10-01 | Brophy Keith D. | Director | Grant | 406 | $28.96 | $12K | 12K |
| 2025-10-01 | Armock Greg L. | Director | Grant | 574 | $28.96 | $17K | 44K |
| 2025-08-13 | Krause Steven Theodore | Director | Gift | 660 | $30.38 | $20K | 33K |
| 2025-08-12 | Krause Steven Theodore | Director | Gift | 660 | $28.96 | $19K | 660 |
| 2025-08-12 | Krause Steven Theodore | Director | Gift | 660 | $28.96 | $19K | 3K |
| 2025-08-12 | Krause Steven Theodore | Director | Gift | 660 | $28.96 | $19K | 5K |
| 2025-08-12 | Krause Steven Theodore | Director | Gift | 660 | $28.96 | $19K | 5K |
| 2025-08-12 | Krause Steven Theodore | Director | Gift | 3K | $28.96 | $96K | 33K |
| 2025-07-01 | Wendling Michelle M | Director | Grant | 240 | $28.70 | $7K | 7K |
| 2025-07-01 | PETTY BRIAN P | Director | Grant | 580 | $28.70 | $17K | 105K |
| 2025-07-01 | Page Roxanne M | Director | Grant | 239 | $28.70 | $7K | 6K |
| 2025-07-01 | McGinnis Bradley F. | Director | Grant | 579 | $28.70 | $17K | 12K |
| 2025-07-01 | McConnell Gregory A | Director | Grant | 239 | $28.70 | $7K | 34K |
Form 4 filings are due within two business days of the trade. Insiders sell for many reasons that say nothing about the company; open-market buys are rarer.
Large holders (13D and 13G)
One row per reporting person with its latest filing, newest first. JSONNo holder on file reports 5% or more of COFS in its latest filing.
| Filed | Form | Holder | Shares | Of class | Event |
|---|---|---|---|---|---|
| 2026-03-26 | 13G/Ano. 1 | The Vanguard Groupinvestment adviser | 0 | 0.0% | 2026-03-13 |
| 2026-02-13 | 13G/Ano. 2 | Fourthstone LLCinvestment adviser | 100 | 0.0% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 2 | Fourthstone Master Opportunity Fund Ltdother entity | 100 | 0.0% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 2 | Fourthstone GP LLCother entity | 0 | 0.0% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 2 | Fourthstone QP Opportunity Fund LPpartnership | 0 | 0.0% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 2 | Fourthstone Small-Cap Financials Fund LPpartnership | 0 | 0.0% | 2025-12-31 |
| 2026-02-13 | 13G/Ano. 2 | L. Phillip Stone, IVindividual | 100 | 0.0% | 2025-12-31 |
13F holders
Tracked managers holding COFS at their latest 13F. JSON4 of the 30 tracked managers held COFS at their latest 13F, $12.2M in total at quarter-end prices. AQR Capital Management is the largest at $7.0M (0.0% of its portfolio) as of 2026-06-30. Over the prior quarter 1 added shares and 3 cut.
| Fund | Quarter | Shares | Value | Of portfolio | Change in shares |
|---|---|---|---|---|---|
| AQR Capital Management | 2026-06-30 | 206K | $7.0M | 0.00% | +158K |
| Two Sigma Investments | 2026-06-30 | 88K | $3.0M | 0.00% | -58K |
| D. E. Shaw & Co. | 2026-06-30 | 44K | $1.5M | 0.00% | -4K |
| Point72 Asset Management | 2026-06-30 | 21K | $714K | 0.00% | -7K |
Only the 30 tracked managers on the funds hub; a 13F reports long positions in US listed stock at quarter end, 45 days late, and says nothing about shorts or positions sold since.
Financials
SEC XBRL, as filed. JSONIn FY 2025 it generated $31.8M of operating cash flow and spent $2.7M on buybacks and $16.9M on dividends.
- Cash
- $88.6M
- Equity
- $482.7M
- Total assets
- $4.46B
- Shares outstanding
- 14,955,520
Quarterly, last 8 quarters
| Quarter | Period end | Revenue | Net income | Margin | Diluted EPS |
|---|---|---|---|---|---|
| Q2 FY 2026 | 2026-06-30 | n/a | $12.5M | n/a | 0.83 |
| Q1 FY 2026 | 2026-03-31 | $59.1M | $13.7M | 23.2% | 0.91 |
| Q4 FY 2025derived | 2025-12-31 | n/a | $13.9M | n/a | n/a |
| Q3 FY 2025 | 2025-09-30 | n/a | $14.7M | n/a | 0.97 |
| Q2 FY 2025 | 2025-06-30 | n/a | $13.5M | n/a | 0.90 |
| Q1 FY 2025 | 2025-03-31 | $44.9M | -$13.9M | -31.0% | -1.29 |
| Q4 FY 2024derived | 2024-12-31 | n/a | $7.2M | n/a | n/a |
| Q3 FY 2024 | 2024-09-30 | n/a | $7.3M | n/a | 0.85 |
Fiscal years, with buybacks and dividends
| Fiscal year | Ends | Revenue | Net income | Operating cash flow | Capex | Buybacks | Dividends |
|---|---|---|---|---|---|---|---|
| FY 2025 | 2025-12-31 | $227.6M | $28.2M | $31.8M | $6.6M | $2.7M | $16.9M |
| FY 2024 | 2024-12-31 | $139.1M | $26.7M | $47.1M | $1.7M | $0 | $9.0M |
| FY 2023 | 2023-12-31 | $113.9M | $21.3M | $46.3M | $4.2M | $0 | $7.9M |
| FY 2022 | 2022-12-31 | $89.1M | $23.6M | $44.3M | $1.2M | $682K | $7.6M |
| FY 2021 | 2021-12-31 | n/a | $22.0M | $37.7M | $2.8M | $7.8M | $7.2M |
Quarters are the three-month figures the company reports; a fourth quarter marked derived is the fiscal year less the three reported quarters, since companies report it only inside the 10-K. Fiscal years are the annual figures. Buybacks are the cash the company paid to repurchase its common stock in the year, not the amount authorized. Balance sheet lines are as of 2026-06-30; shares outstanding as of 2026-07-31 from the cover page.
What this page is
Choiceone Financial Services in the regulatory record
Regulators publish company data in separate files that never sit next to each other: FINRA's twice-monthly short interest, its daily short sale volume, the SEC's fails-to-deliver counts, and each insider's Form 4. A company page puts those series for one ticker on one URL, with planned sales, large holders, 13F holders and financials beside them, so the short position, the daily flow, the settlement fails and what insiders are doing can be read together.
Each section has its own history table, a one-line summary of the latest figures and its own JSON and CSV links, and says when its source last updated.
This page follows Choiceone Financial Services (COFS), SEC CIK 803164, listed on Nasdaq, classified by the SEC as state commercial banks. The cross-market tables live on the short interest and insider transactions hubs.
Source and updates
- Short interest
- FINRA consolidated short interestSource: FINRA.Twice a month, about eight business days after settlement. Latest 2026-09-30.JSON and CSV
- Daily short volume
- FINRA Reg SHO daily filesSource: FINRA.Every trading day, the morning after FINRA posts it. Latest 2026-10-23.JSON and CSV
- Fails to deliver
- SEC fails-to-deliver dataSource: SEC.Twice a month, a few weeks after the half month ends. Latest 2026-09-28.JSON and CSV
- Large holders
- SEC EDGAR Schedule 13D and 13GSource: SEC.New filings appear shortly after the SEC posts them. A 13D is due within five business days of crossing 5%; a 13G follows the passive schedule. Latest 2026-03-26.JSON and CSV
- 13F holders
- SEC EDGAR Form 13F-HRSource: SEC.Quarterly, filed within 45 days of quarter end; 30 tracked managers. Latest 2026-06-30.JSON and CSV
- Financials
- SEC EDGAR 10-K and 10-Q filingsSource: SEC.Weekly; values are as filed in the 10-Q and 10-K. Latest 2026-06-30.JSON and CSV
- Earnings dates
- SEC EDGAR 8-K filings (Item 2.02)Source: SEC.Twice a day. Reported dates come from the company's 8-K filings; the next date is marked as an estimate until the 8-K arrives. Latest 2026-07-24.JSON and CSV
- Insider trades
- SEC EDGAR Form 4Source: SEC.New filings appear shortly after the SEC posts them; they're due two business days after the trade. Latest 2026-10-01.JSON and CSV
- Company record
- EDGAR filing index for CIK 803164Ticker, name and exchange from the SEC's company list, refreshed weekly.
- Rate limits
- 10 requests a minute without a key, 30 with a free key from a free account.
How to read it
- Read the position against the flow: rising short interest with a high daily short share is new shorting; rising short interest with a normal short share is old shorts holding on.
- Insider buys next to a large short position are rare and stand out; insider sells next to one are common and mean little.
- Fails to deliver matter relative to the float, not in absolute shares; a million failed shares in a mega cap is noise.
Analysis of what the data shows, not advice. XOOMAR does not recommend buying, selling or holding anything.
Other companies the SEC classifies as state commercial banks
Other company pages
Datasets
Frequently Asked Questions
How much of COFS is sold short?
What is COFS's daily short volume?
Does COFS have fails to deliver?
Are COFS insiders buying or selling?
Who owns 5% or more of COFS?
What did COFS report last quarter?
Which tracked 13F managers own COFS?
Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.