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COFS logo

COFS

NSC
ChoiceOne Financial Services Inc.
Financial ServicesBanks - Regional - US
Watchlists:
Last updated: Monday 14th July 2025
29.61
-0.54 (-1.79%)
Prev Close:30.15
Open:29.93
Bid:28.64
Ask:30.18
52 Week Range
24.89
38.15
Volume:103,596
Mkt Cap:450 M
Price Target
$34.05
+15.0%
Metrics

Growth

EPS
QoQ
N/A
YoY
N/A
Revenue
QoQ
N/A
YoY
N/A
Free Cash Flow
QoQ
N/A
YoY
N/A

Peers

Peers data not available
Available data keys: fn_01356, peerValues

Risk

Financial Health

Liquidity Ratios
Financial Scores

Technicals

Technical Oscillators
Volatility Metrics
Financials

Financial Statements

COFS - Income Statement (Annual)

Dec-24Dec-23Dec-22Dec-21Dec-20Dec-19Dec-18Dec-17Dec-16Dec-14
Acquired In Process Rn D-99000.0
Credit Losses Provision1 M1 M250000.0416000.04 M35000.0485000.0100000.0
Depreciation And Amortization757000.0955000.01 M1 M1 M353000.0-1 M-1 M379000.0448000.0
Fees And Commissions937000.0381000.0-985000.0725000.02 M332000.0369000.0546000.05 M5 M
Gain On Sale Of Business908000.0
General And Administrative Expense2 M2 M1 M1 M1 M452000.03 M2 M2 M2 M
Insurance And Claims1 M1 M722000.0804000.0450000.045000.02 M2 M2 M2 M
Insurance And Premiums83000.0
Interest Expense For Capitalized Lease Obligations322000.0327000.0211000.0153000.083000.072000.0
Interest Expense For Deposit34 M24 M6 M3 M4 M4 M2 M1 M790000.01 M
Interest Expense For Long Term Debt2 M2 M117000.022000.0220000.0455000.0235000.0276000.0171000.063000.0
Interest Expense For Long Term Debt And Capital Securities2 M2 M117000.022000.0220000.0455000.0235000.0276000.0171000.063000.0
Interest Expense For Short Term Debt16000.057000.051000.013000.08000.046000.0
Interest Income121 M99 M75 M65 M56 M32 M25 M22 M20 M19 M
Interest Income After Provision For Loan Loss73 M65 M67 M60 M47 M28 M22 M20 M19 M18 M
Interest Income From Deposits-13000.0
Interest Income From Investment Securities27 M27 M22 M16 M9 M5 M4 M4 M4 M3 M
Interest Income From Loans90 M68 M53 M49 M47 M27 M20 M18 M17 M16 M
Interest Income From Loans And Lease90 M68 M53 M49 M47 M27 M20 M18 M17 M16 M
Interest Income From Securities27 M27 M22 M16 M9 M5 M4 M4 M4 M3 M
Interest Income From Trading Account Securities147000.0
Life Annuity Premiums83000.0
Marketing Expense788000.0721000.0764000.0848000.0588000.0528000.0308000.0298000.0222000.0275000.0
Net Income (loss)27 M21 M24 M22 M16 M7 M7 M6 M6 M6 M
Net Income Common Stockholders27 M21 M24 M22 M16 M7 M7 M6 M6 M6 M
Net Income Continuous Operations27 M21 M24 M22 M16 M7 M7 M6 M6 M6 M
Net Interest Income74 M66 M67 M61 M51 M28 M22 M20 M19 M18 M
Net Occupancy Expense6 M6 M6 M6 M6 M4 M3 M3 M3 M2 M
Non Interest Expense59 M55 M53 M53 M51 M28 M-20 M-19 M-19 M-17 M
Non Interest Income18 M15 M14 M19 M23 M9 M7 M8 M8 M7 M
Normalized Income15 M
Occupancy And Equipment6 M6 M6 M6 M6 M4 M3 M3 M3 M2 M
Other Customer Services742000.0698000.0779000.0765000.0541000.0310000.0335000.0826000.01 M906000.0
Other Gand A2 M2 M1 M1 M1 M452000.03 M2 M2 M2 M
Other Interest Expense10 M7 M2 M650000.0246000.057000.0
Other Interest Income5 M4 M491000.084000.0266000.0268000.0131000.0102000.021000.09000.0
Other Non Interest Expense12 M11 M11 M11 M11 M6 M2 M2 M2 M2 M
Other Non Interest Income3 M2 M3 M14 M13 M8 M5 M5 M797000.0746000.0
Professional Expense And Contract Services Expense2 M2 M2 M3 M4 M3 M1 M1 M935000.0889000.0
Property Casualty Premiums147000.0-41000.0
Salaries And Wages33 M32 M30 M29 M27 M14 M11 M10 M10 M8 M
Securities Activities195000.0-317000.0-2 M-40000.01 M22000.034000.0-280000.070 M42 M
Selling And Marketing Expense788000.0721000.0764000.0848000.0588000.0528000.0308000.0298000.0222000.0275000.0
Service Charge On Depositor Accounts4 M4 M4 M
Total Revenues92 M81 M81 M80 M74 M37 M29 M28 M27 M25 M
Total Premiums Earned147000.083000.0-41000.0-135000.0
Total Revenue92 M81 M81 M80 M74 M37 M29 M28 M27 M25 M
Trading Gain Loss-99000.0-6000.0-55000.0-459000.0
Trust Feesby Commissions6000.0
Amord10 M10 M11 M10 M5 M2 M-893000.0-1 M379000.0448000.0
Avgshs8 M8 M8 M8 M8 M5 M4 M4 M4 M4 M
Avgshsdt8 M8 M8 M8 M8 M5 M4 M4 M4 M4 M
Basiceps3.272.823.152.872.081.582.031.71.681.57
Basicepscont3.272.823.152.872.081.582.031.71.681.57
Depamor757000.0955000.01 M1 M1 M353000.0-1 M-1 M-1 M-986000.0
Dileps3.252.823.152.862.071.582.021.71.681.56
Dilepscont3.252.823.152.862.071.582.021.71.681.56
Div Per Share1.091.051.010.940.821.40.710.650.620.54
Intexp47 M33 M8 M4 M5 M5 M-2 M-1 M-969000.0-1 M
Netincdisc27 M21 M24 M22 M16 M7 M7 M6 M6 M6 M
Othspecchg-17 M-16 M-7 M-7 M-7 M-4 M-426000.0-550000.0-440000.0-410000.0
Pretaxinc33 M26 M28 M26 M19 M8 M8 M9 M8 M8 M
Restruct1 M
Sga36 M35 M33 M32 M28 M15 M14 M13 M13 M11 M
Shsout9 M8 M8 M8 M8 M7 M4 M4 M4 M4 M
Specincchg-13 M-11 M-11 M-11 M-11 M-6 M-2 M-2 M-2 M-2 M
Taxprov6 M4 M4 M4 M3 M1 M1 M3 M2 M2 M
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