XOOMAR

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.

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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. JSON

As 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.

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SettlementShares shortChangeAvg daily volumeDays to cover
2026-09-30520,355+0.7%80,0086.50
2026-09-15516,958+14.2%65,2567.92
2026-08-31452,754+14.8%75,1596.02
2026-08-14394,552+26.6%71,7655.50
2026-07-31311,568+5.1%101,0573.08
2026-07-15296,356-10.4%83,4973.55
2026-06-30330,661+22.5%150,9842.19
2026-06-15269,985+22.2%85,6223.15
2026-05-29220,894+22.9%78,2242.82
2026-05-15179,715+0.0%60,4662.97
2026-04-30179,712-10.6%69,1292.60
2026-04-15201,003-13.4%77,1382.61
2026-03-31232,031+15.7%68,4843.39
2026-03-13200,550+76.5%104,6551.92
2026-02-27113,635-9.0%92,6611.23
2026-02-13124,822-32.6%76,3331.64
2026-01-30185,187-15.7%75,4562.45
2026-01-15219,601+52.6%79,1432.77
2025-12-31143,866-34.6%122,6571.17
2025-12-15220,050-0.5%189,4421.16
2025-11-28221,044+5.8%140,8131.57
2025-11-14208,853+2.1%186,5561.12
2025-10-31204,506-17.3%105,8781.93
2025-10-15247,170-20.1%100,0682.47
2025-09-30309,307+6.4%78,1983.96
2025-09-15290,779+1.4%52,6935.52
2025-08-29286,683-8.6%64,7854.43
2025-08-15313,743-13.0%59,7645.25
2025-07-31360,512-8.1%75,1604.80
2025-07-15392,349-1.8%84,8544.62
2025-06-30399,493+204.1%266,9551.50
2025-06-13131,356+25.8%78,1931.68
2025-05-30104,394+20.6%70,5361.48
2025-05-1586,538+11.4%59,0401.47
2025-04-3077,697+4.9%59,7201.30
2025-04-1574,051+5.8%63,2251.17
2025-03-3170,022-8.7%59,5231.18
2025-03-1476,682-86.1%58,8951.30
2025-02-28550,177+17.6%37,12214.82
2025-02-14467,854+17.3%31,31214.94
2025-01-31398,787+10.6%19,26620.70
2025-01-15360,439+6.8%28,35912.71
2024-12-31337,620+7.8%31,61410.68
2024-12-13313,043+8.2%21,80514.36
2024-11-29289,305+0.1%25,42211.38
2024-11-15289,112+8.7%34,4958.38
2024-10-31265,947+25.4%38,0806.98
2024-10-15212,138+2.0%26,0648.14

Daily short volume

FINRA Reg SHO, the last 30 sessions. JSON

As 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.

DateShort volumeTotal volumeShort shareExempt
2026-10-2316K25K62.5%0
2026-10-2210K17K59.8%0
2026-10-2114K29K48.2%0
2026-10-207K16K46.1%0
2026-10-1915K24K64.0%0
2026-10-1611K20K55.3%0
2026-10-1520K54K37.3%0
2026-10-1415K31K47.7%80
2026-10-136K17K37.6%0
2026-10-1211K26K40.5%0
2026-10-096K17K36.8%0
2026-10-0816K41K38.6%0
2026-10-0712K18K66.2%0
2026-10-068K14K59.8%0
2026-10-055K12K40.9%0
2026-10-0212K28K43.3%160
2026-10-018K11K76.0%200
2026-09-3013K23K57.2%0
2026-09-2912K35K33.6%0
2026-09-288K17K45.3%0
2026-09-253K12K26.0%0
2026-09-245K10K54.3%0
2026-09-235K15K32.8%0
2026-09-224K9K48.9%69
2026-09-217K14K51.7%0
2026-09-1816K27K61.2%20
2026-09-178K12K68.0%0
2026-09-1613K21K65.0%0
2026-09-158K23K36.1%0
2026-09-148K18K45.5%0

Fails to deliver

SEC, the last 30 settlement dates with a fail. JSON

As 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.

SettlementShares failedPriceValue
2026-09-28295$33.06$10K
2026-09-2143$33.34$1K
2026-09-1849$33.41$2K
2026-09-16512$33.80$17K
2026-09-1522$34.15$751
2026-09-1467$34.05$2K
2026-09-11257$33.93$9K
2026-09-031,355$33.73$46K
2026-08-281,306$33.23$43K
2026-08-26278$33.24$9K
2026-08-25479$33.23$16K
2026-08-241,328$33.14$44K
2026-08-211,324$33.24$44K
2026-08-184$34.17$137
2026-08-175,520$34.38$190K
2026-08-13118$34.38$4K
2026-08-11706$34.00$24K
2026-07-23137$33.48$5K
2026-07-165$33.56$168
2026-07-01782$34.00$27K
2026-06-30114$33.86$4K
2026-06-254,652$33.09$154K
2026-06-234,729$32.08$152K
2026-06-225,634$31.87$180K
2026-06-181,793$32.18$58K
2026-06-17117$32.08$4K
2026-06-162,874$31.93$92K
2026-06-12373$32.42$12K
2026-06-119,249$32.57$301K
2026-05-283,408$31.57$108K

Insider trades

SEC Form 4, newest first. JSON

No 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.

DateInsiderTitleTypeSharesPriceValueOwned after
2026-10-01Page Roxanne MDirectorGrant213$32.31$7K8K
2026-10-01McGinnis Bradley F.DirectorGrant514$32.31$17K15K
2026-10-01McConnell Gregory ADirectorGrant213$32.31$7K38K
2026-10-01Krause Steven TheodoreDirectorGrant514$32.31$17K18K
2026-10-01PETTY BRIAN PDirectorGrant514$32.31$17K93K
2026-10-01Wendling Michelle MDirectorGrant213$32.31$7K8K
2026-10-01Armock Greg L.DirectorGrant514$32.31$17K47K
2026-10-01Brophy Keith D.DirectorGrant364$32.31$12K14K
2026-10-01Burns Harold JDirectorGrant515$32.31$17K27K
2026-10-01Burrough Eric EDirectorGrant514$32.31$17K182K
2026-10-01Coulter Curt EDirectorGrant213$32.31$7K11K
2026-10-01Essex Bruce John JrDirectorGrant213$32.31$7K251K
2026-10-01Hicks Randy DDirectorGrant515$32.31$17K101K
2026-07-01Wendling Michelle MDirectorGrant202$34.00$7K7K
2026-07-01PETTY BRIAN PDirectorGrant489$34.00$17K92K
2026-07-01Page Roxanne MDirectorGrant202$34.00$7K7K
2026-07-01McGinnis Bradley F.DirectorGrant489$34.00$17K14K
2026-07-01McConnell Gregory ADirectorGrant202$34.00$7K37K
2026-07-01Krause Steven TheodoreDirectorGrant489$34.00$17K18K
2026-07-01Hicks Randy DDirectorGrant489$34.00$17K100K
2026-07-01Essex Bruce John JrDirectorGrant202$34.00$7K251K
2026-07-01Coulter Curt EDirectorGrant202$34.00$7K11K
2026-07-01Burrough Eric EDirectorGrant489$34.00$17K181K
2026-07-01Burns Harold JDirectorGrant489$34.00$17K26K
2026-07-01Brophy Keith D.DirectorGrant345$34.00$12K13K
2026-07-01Armock Greg L.DirectorGrant489$34.00$17K46K
2026-04-30Henion BradleyE.V.P. - ChoiceOne Bank (Sub.)Grant1K$0.00$06K
2026-04-30Henion BradleyE.V.P. - ChoiceOne Bank (Sub.)Tax withholding137$30.03$4K5K
2026-04-30Greenland AdomSecretaryGrant2K$0.00$018K
2026-04-30Greenland AdomSecretaryTax withholding127$30.03$4K16K
2026-04-30Potes KellyChief Executive OfficerGrant4K$0.00$047K
2026-04-30Potes KellyChief Executive OfficerTax withholding450$30.03$14K42K
2026-04-30Burke Michael J. Jr.PresidentGrant2K$0.00$014K
2026-04-30Burke Michael J. Jr.PresidentTax withholding252$30.03$8K11K
2026-04-01Wendling Michelle MDirectorGrant244$28.12$7K7K
2026-04-01PETTY BRIAN PDirectorGrant591$28.12$17K92K
2026-04-01Page Roxanne MDirectorGrant244$28.12$7K7K
2026-04-01McGinnis Bradley F.DirectorGrant591$28.12$17K14K
2026-04-01McConnell Gregory ADirectorGrant244$28.12$7K37K
2026-04-01Krause Steven TheodoreDirectorGrant591$28.12$17K17K
2026-04-01Hicks Randy DDirectorGrant591$28.12$17K100K
2026-04-01Essex Bruce John JrDirectorGrant244$28.12$7K250K
2026-04-01Coulter Curt EDirectorGrant245$28.12$7K11K
2026-04-01Burrough Eric EDirectorGrant591$28.12$17K181K
2026-04-01Burns Harold JDirectorGrant591$28.12$17K26K
2026-04-01Brophy Keith D.DirectorGrant418$28.12$12K13K
2026-04-01Armock Greg L.DirectorGrant591$28.12$17K46K
2026-03-12Greenland AdomSecretaryBuy500$27.40$14K4K
2026-03-11Burrough Eric EDirectorBuy5K$27.50$138K180K
2026-03-06McConnell Gregory ADirectorBuy1K$27.94$29K37K
2026-03-03McGinnis Bradley F.DirectorBuy1K$29.15$29K15K
2026-02-27Burke Michael J. Jr.PresidentBuy250$28.58$7K3K
2026-02-13McConnell Gregory ADirectorBuy1K$29.00$29K36K
2026-02-13McConnell Gregory ADirectorBuy550$29.10$16K35K
2026-02-11PETTY BRIAN PDirectorSell15K$29.56$443K91K
2026-02-09Krause Steven TheodoreDirectorGift625$0.00$04K
2026-02-09Krause Steven TheodoreDirectorGift625$0.00$01K
2026-02-09Krause Steven TheodoreDirectorGift625$0.00$06K
2026-02-09Krause Steven TheodoreDirectorGift625$0.00$06K
2026-02-09Krause Steven TheodoreDirectorGift3K$0.00$030K
2026-01-01Wendling Michelle MDirectorGrant233$29.52$7K7K
2026-01-01PETTY BRIAN PDirectorGrant563$29.52$17K106K
2026-01-01Page Roxanne MDirectorGrant233$29.52$7K7K
2026-01-01McGinnis Bradley F.DirectorGrant564$29.52$17K13K
2026-01-01McConnell Gregory ADirectorGrant233$29.52$7K34K
2026-01-01Krause Steven TheodoreDirectorGrant564$29.52$17K16K
2026-01-01Hicks Randy DDirectorGrant563$29.52$17K99K
2026-01-01Essex Bruce John JrDirectorGrant233$29.52$7K250K
2026-01-01Coulter Curt EDirectorGrant232$29.52$7K10K
2026-01-01Burrough Eric EDirectorGrant564$29.52$17K175K
2026-01-01Burns Harold JDirectorGrant614$29.52$18K25K
2026-01-01Brophy Keith D.DirectorGrant423$29.52$12K12K
2026-01-01Armock Greg L.DirectorGrant648$29.52$19K44K
2025-12-01Henion BradleyE.V.P. - ChoiceOne Bank (Sub.)Tax withholding93$30.44$3K5K
2025-12-01Henion BradleyE.V.P. - ChoiceOne Bank (Sub.)Exercise or conversion120$21.13$3K5K
2025-11-17Burrough Eric EDirectorBuy5K$28.50$143K175K
2025-10-01Wendling Michelle MDirectorGrant237$28.96$7K7K
2025-10-01PETTY BRIAN PDirectorGrant574$28.96$17K106K
2025-10-01Page Roxanne MDirectorGrant238$28.96$7K7K
2025-10-01McGinnis Bradley F.DirectorGrant574$28.96$17K13K
2025-10-01McConnell Gregory ADirectorGrant238$28.96$7K34K
2025-10-01Krause Steven TheodoreDirectorGrant574$28.96$17K16K
2025-10-01Hicks Randy DDirectorGrant574$28.96$17K98K
2025-10-01Essex Bruce John JrDirectorGrant238$28.96$7K250K
2025-10-01Coulter Curt EDirectorGrant238$28.96$7K10K
2025-10-01Burrough Eric EDirectorGrant574$28.96$17K170K
2025-10-01Burns Harold JDirectorGrant574$28.96$17K24K
2025-10-01Brophy Keith D.DirectorGrant406$28.96$12K12K
2025-10-01Armock Greg L.DirectorGrant574$28.96$17K44K
2025-08-13Krause Steven TheodoreDirectorGift660$30.38$20K33K
2025-08-12Krause Steven TheodoreDirectorGift660$28.96$19K660
2025-08-12Krause Steven TheodoreDirectorGift660$28.96$19K3K
2025-08-12Krause Steven TheodoreDirectorGift660$28.96$19K5K
2025-08-12Krause Steven TheodoreDirectorGift660$28.96$19K5K
2025-08-12Krause Steven TheodoreDirectorGift3K$28.96$96K33K
2025-07-01Wendling Michelle MDirectorGrant240$28.70$7K7K
2025-07-01PETTY BRIAN PDirectorGrant580$28.70$17K105K
2025-07-01Page Roxanne MDirectorGrant239$28.70$7K6K
2025-07-01McGinnis Bradley F.DirectorGrant579$28.70$17K12K
2025-07-01McConnell Gregory ADirectorGrant239$28.70$7K34K

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. JSON

No holder on file reports 5% or more of COFS in its latest filing.

FiledFormHolderSharesOf classEvent
2026-03-2613G/Ano. 1The Vanguard Groupinvestment adviser00.0%2026-03-13
2026-02-1313G/Ano. 2Fourthstone LLCinvestment adviser1000.0%2025-12-31
2026-02-1313G/Ano. 2Fourthstone Master Opportunity Fund Ltdother entity1000.0%2025-12-31
2026-02-1313G/Ano. 2Fourthstone GP LLCother entity00.0%2025-12-31
2026-02-1313G/Ano. 2Fourthstone QP Opportunity Fund LPpartnership00.0%2025-12-31
2026-02-1313G/Ano. 2Fourthstone Small-Cap Financials Fund LPpartnership00.0%2025-12-31
2026-02-1313G/Ano. 2L. Phillip Stone, IVindividual1000.0%2025-12-31

13F holders

Tracked managers holding COFS at their latest 13F. JSON

4 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.

FundQuarterSharesValueOf portfolioChange in shares
AQR Capital Management2026-06-30206K$7.0M0.00%+158K
Two Sigma Investments2026-06-3088K$3.0M0.00%-58K
D. E. Shaw & Co.2026-06-3044K$1.5M0.00%-4K
Point72 Asset Management2026-06-3021K$714K0.00%-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. JSON

In 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

QuarterPeriod endRevenueNet incomeMarginDiluted EPS
Q2 FY 20262026-06-30n/a$12.5Mn/a0.83
Q1 FY 20262026-03-31$59.1M$13.7M23.2%0.91
Q4 FY 2025derived2025-12-31n/a$13.9Mn/an/a
Q3 FY 20252025-09-30n/a$14.7Mn/a0.97
Q2 FY 20252025-06-30n/a$13.5Mn/a0.90
Q1 FY 20252025-03-31$44.9M-$13.9M-31.0%-1.29
Q4 FY 2024derived2024-12-31n/a$7.2Mn/an/a
Q3 FY 20242024-09-30n/a$7.3Mn/a0.85

Fiscal years, with buybacks and dividends

Fiscal yearEndsRevenueNet incomeOperating cash flowCapexBuybacksDividends
FY 20252025-12-31$227.6M$28.2M$31.8M$6.6M$2.7M$16.9M
FY 20242024-12-31$139.1M$26.7M$47.1M$1.7M$0$9.0M
FY 20232023-12-31$113.9M$21.3M$46.3M$4.2M$0$7.9M
FY 20222022-12-31$89.1M$23.6M$44.3M$1.2M$682K$7.6M
FY 20212021-12-31n/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.

Datasets

Frequently Asked Questions

How much of COFS is sold short?
520,355 shares were held short at the 2026-09-30 settlement, 6.5 days of average volume. FINRA publishes the next count about eight business days after the 15th and the last business day of the month.
What is COFS's daily short volume?
On 2026-10-23, 15,867 of the 25,400 COFS shares reported to FINRA were sold short, 62.5% of the day's reported volume. Short volume is a flow for one day, not a position.
Does COFS have fails to deliver?
The SEC's latest file shows 295 COFS shares failed to deliver at settlement 2026-09-28. Fails are reported per settlement date and published twice a month with a lag.
Are COFS insiders buying or selling?
No 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.
Who owns 5% or more of COFS?
No holder on file reports 5% or more of COFS in its latest filing.
What did COFS report last quarter?
In FY 2025 it generated $31.8M of operating cash flow and spent $2.7M on buybacks and $16.9M on dividends.
Which tracked 13F managers own COFS?
4 of the 30 tracked 13F managers held COFS shares at their latest filing, $12.2M in all. The largest: Cliff Asness's AQR Capital Management (206K shares, $7.0M), Two Sigma Investments (88K shares, $3.0M), D. E. Shaw & Co. (44K shares, $1.5M), Steve Cohen's Point72 Asset Management (21K shares, $714K).

Data on this page is provided for informational purposes only and is not financial advice. See our editorial policy.