OakChart

Choiceone Financial Services Inc

COFSFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 1:19 PM ET

36.69-0.05 (-0.14%)
2026-11-11 19:19 CET
Market cap
548.11 USD m
Revenue, TTM
- USD m
Net income, TTM
54.58 USD m
Free cash flow, TTM
50.62 USD m
EPS diluted, TTM
3.63
P/E
10.10
Compare

Price

COFS against its 20, 50 and 200-day averages
2050200beatmiss
30.0032.5035.0037.50216K431KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26COFSclose 36.6920-day 35.1250-day 33.96200-day 31.8536.6952w high

5.7% under the 52-week high of 38.89 on 5 Nov 2026. 52-week low 26.63 on 19 Mar 2026. Last 15 sessions, 17.3% high to low

Profile

COFS
52-week range, 82% of the way up
26.6338.89

ChoiceOne Financial Services, Inc. is a holding company, which engages in the provision of a variety of deposit, payment, credit, and other financial services to all types of customers, through its subsidiary, ChoiceOne Bank. The firm offers time, savings, and demand deposits, safe deposit services, and automated transaction machine services. It also provides commercial and consumer loans. The company was founded in 1898 and is headquartered in Sparta, MI.

IndexRUT
Employees598
IPOMay 29, 2003
Beta0.63
ATR, 14d0.97
Rel volume0.16
Short float2.75%
Insider own6.90%
Inst own48.08%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap547.56M
Enterprise Value-
Income54.58M
Sales241.16M
Book/sh31.49
Cash/sh-
Dividend Est.-
Dividend TTM1.16 (3.16%)
Dividend Ex-DateSep 15, 2026
Dividend Gr. 3/5Y3.81% 6.62%
Payout56.12%
Employees598
IPOMay 29, 2003

Ratios

P/E10.10
Forward P/E9.55
PEG3.15
P/S2.27
P/B1.17
P/C-
P/FCF10.82
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.04
Debt/Eq0.60
LT Debt/Eq0.15
Option/ShortNo / Yes

Earnings

EPS (ttm)3.63
EPS next Y3.84
EPS next Q0.96
EPS this Y2.90%
EPS next Y1.41%
EPS next 5Y3.03%
EPS past 3/5Y-13.77% -0.58%
Sales past 3/5Y36.08% 23.64%
EPS Y/Y TTM164.84%
Sales Y/Y TTM19.13%
EPS Q/Q-0.53%
Sales Q/Q1.98%
EarningsOct 30 BMO
EPS/Sales Surpr.4.67% -0.47%

Ownership

Insider Own6.90%
Insider Trans0.00%
Inst Own48.08%
Inst Trans3.77%
ROA1.25%
ROE11.87%
ROIC10.14%
Gross Margin-
Oper. Margin27.47%
Profit Margin22.63%
SMA204.48%
SMA508.04%
SMA20015.20%
Trades-

Technical

Shs Outstand14.92M
Shs Float13.89M
Short Float2.75%
Short Ratio4.68
Short Interest0.38M
52W High38.89 -5.66%
52W Low26.63 37.78%
Volatility3.00% 2.75%
ATR (14)0.97
RSI (14)64.61
Beta0.63
Rel Volume0.16
Avg Volume81.54K
Volume7,691

Performance

Perf Week-2.45%
Perf Month12.93%
Perf Quarter6.53%
Perf Half Y20.61%
Perf YTD24.29%
Perf Year25.26%
Perf 3Y63.87%
Perf 5Y43.04%
Perf 10Y84.75%
Recom1.67
Target Price39.67
Prev Close36.74
Price36.69
Change %-0.14%

Analyst ratings

latest 6 of 6
DateActionAnalystRating changeTargetImplied
Jul 27, 2026ReiteratedHHovde GroupMarket Perform$32 → $35-4.6%
Jan 07, 2026DowngradeHHovde GroupOutperform → Market Perform
Mar 10, 2025InitiatedHHovde GroupOutperform$35-4.6%
Mar 03, 2025UpgradeJJanneyNeutral → Buy
Oct 18, 2024InitiatedDDA DavidsonBuy$37+0.8%
Sep 27, 2023InitiatedJJanneyNeutral$24-34.6%

Peers

Mkt cap
TickerCompanyMkt cap
IBCPIndependent Bank Corp (Ionia, MI)806.75M
MBWMMercantile Bank Corp1.05B
ISBAIsabella Bank Corp342.24M
HBNCHorizon Bancorp Inc (IN)1.09B
FMAOFarmers & Merchants Bancorp Inc505.99M
CIVBCivista Bancshares Inc598.27M
LKFNLakeland Financial Corp1.53B
FMNBFarmers National Banc Corp916.71M
SBFGSB Financial Group Inc181.27M
LCNBLCNB Corp277.83M

Insider trading

9 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Greenland AdomSecretaryMar 12 '26Buy27.4050013,7003,690Mar 16 01:45 PM
Burrough Eric EDirectorMar 11 '26Buy27.505,000137,500180,397Mar 12 03:19 PM
McConnell Gregory ADirectorMar 06 '26Buy27.941,05029,33737,000Mar 09 11:18 AM
McGinnis Bradley F.DirectorMar 03 '26Buy29.151,00029,15015,301Mar 04 01:44 PM
Burke Michael J. Jr.PresidentFeb 27 '26Buy28.582507,1452,891Mar 02 12:45 PM
McConnell Gregory ADirectorFeb 13 '26Buy29.041,55045,00535,950Feb 17 02:18 PM
PETTY BRIAN PDirectorFeb 11 '26Sale29.5615,000443,40091,107Feb 12 12:58 PM
Henion BradleyE.V.P. - ChoiceOne Bank (Sub.)Dec 01 '25Option Exercise21.131202,5365,057Dec 03 01:04 PM
Burrough Eric EDirectorNov 17 '25Buy28.505,000142,500174,833Nov 19 10:48 AM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
VXFVanguard Extended Market Index ETFAUM: 30.47B
KREState Street SPDR S&P Regional Banking ETFAUM: 4.43B
DFASU.S. Small Cap Portfolio-ETF Class Shares-
DFSVUS Small Cap Value Portfolio ETF Class Shares-
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B
FDMFirst Trust Dow Jones Select Microcap Index FundAUM: 267.52M

News

latest 14 of 126
  • ChoiceOne Reports Third Quarter 2026 Results (PR Newswire)
  • ChoiceOne Bank Announces Official Opening of ChoiceOne Bank Trail at Silver Lake Road and Jennings Road in Fenton (PR Newswire)
  • ChoiceOne Bank Receives Habitat for Humanity of Kent County Opportunity Award (PR Newswire)
  • ChoiceOne Reports Second Quarter 2026 Results (PR Newswire)
  • ChoiceOne Bank Awards Scholarships to 19 High School Seniors (PR Newswire)
  • ChoiceOne Reports First Quarter 2026 Results (PR Newswire)
  • ChoiceOne Financial Services, Inc. (COFS) Q4 Earnings Beat Estimates (Zacks)
  • ChoiceOne Reports Fourth Quarter 2025 Results (PR Newswire)
  • ChoiceOne Bank Now Accepting Annual Scholarship Applications (PR Newswire)
  • ChoiceOne Bank Awards Fresh Coast Alliance with $1 Million Grant In Partnership with the Federal Home Loan Bank of Indianapolis (PR Newswire)
  • ChoiceOne Financial Services, Inc. (COFS) Q3 Earnings and Revenues Top Estimates (Zacks) +11.52%
  • ChoiceOne Reports Third Quarter 2025 Results (PR Newswire)
  • ChoiceOne Financial Services, Inc. (COFS) Q2 Earnings and Revenues Surpass Estimates (Zacks)
  • ChoiceOne Reports Second Quarter 2025 Results (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-300.9700.9270.97044.2944.503
2026Q22026-07-240.8300.8800.83141.0943.453
2026Q12026-04-240.9100.8470.91142.4642.703
2025Q42026-01-300.9200.9030.92042.9443.853
2025Q32025-10-240.9700.8600.97544.5442.153
2025Q22025-07-250.9100.7830.90242.8341.253
2025Q12025-04-300.8600.780-1.30331.2331.803
2024Q42025-01-220.8300.8250.78824.3424.042
2024Q32024-10-230.9300.7400.85324.6922.902
2024Q22024-07-250.8700.7600.86622.45-1
2024Q12024-04-240.7400.5900.74116.01-1
2023Q42024-01-240.7000.6400.70020.60-1
2023Q32023-10-250.6800.6700.67719.93-1
2023Q22023-07-26--0.69019.58--
2023Q12023-04-26--0.74920.68--
2022Q42023-01-25--0.89021.12--

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2023FY2.8202.7902.80880.79-
2024FY3.3703.3003.25192.4492.10
2025FY3.6803.6132.010161.74162.7
2026FY-3.787--176.1
2027FY-3.840--183.55
2028FY-4.024--191.89

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-3021045.1545.1045.20
2026Q4S2026-07-2720044.8544.6045.10
2026Q4S2026-07-2420044.8344.5545.10
2026Q4S2026-07-0820044.4544.2044.70
2026Q4S2026-04-2420144.4544.2044.70
2026Q4S2026-04-1520044.8044.8044.80
2026Q4S2026-02-0221144.8044.8044.80
2026Q4S2026-01-3021144.7944.7744.80
2026Q4S2026-01-0720044.8044.3045.30
2026Q4S2025-12-1722044.8044.3045.30
2026Q4S2025-11-1122044.8144.3245.30
2026Q4S2025-11-1022044.8144.3245.30
2026Q4S2025-11-0922044.8144.3245.30
2026Q4S2025-11-0822044.8144.3245.30

Estimate history

EPS, annual1.6992.0211.582.0732.8623.1412.8083.2512.0143.6315
Period201720182019202020212022202320242025TTM
EPS, quarterly0.8530.788-1.3030.9020.9750.920.9110.8310.97
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual29.85231.37441.64178.56883.33390.087114.132138.904227.017241.16
Period201720182019202020212022202320242025TTM
Sales, quarterly36.2836.07844.77460.18961.38460.6759.06458.82162.601
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual3.6213.6167.2457.7967.517.5167.5488.96515.00114.919
Period201720182019202020212022202320242025MRQ
Shares, quarterly8.968.96514.97515.00915.01815.00114.9614.9514.919
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income217.28202.96121.1098.9875.0664.6255.7232.4724.52
Total Interest Expense68.6765.8946.6633.097.753.984.644.702.46
Net Interest Income148.61137.0774.4465.8967.3160.6451.0727.7722.06
Loan Loss Provision-14.810.620.150.250.424.000.000.04
Net Interest Income After Loan Loss Provision-122.2673.8265.7367.0660.2347.0727.7722.03
Non-Interest Income23.8724.0617.8015.1515.0318.7122.859.176.85
Non-Interest Expense103.9994.7657.4955.3254.4352.4451.0428.4820.39
Operating Income66.2551.5634.1325.5727.6626.5018.898.468.49
Unusual Expense0.0017.371.040.000.000.000.000.000.00
Net Income Before Taxes66.2534.1933.0925.5727.6626.5018.898.468.49
Income Taxes11.676.016.364.314.024.463.271.291.16
Consolidated Net Income54.5828.1826.7321.2623.6422.0415.617.177.33
Net Income From Continuing Operations54.5828.1826.7321.2623.6422.0415.617.177.33
Net Income54.5828.1826.7321.2623.6422.0415.617.177.33
EPS (Recurring)3.642.883.342.813.142.862.071.582.02
EPS (Basic, Before Extraordinaries)3.642.023.272.823.152.872.081.582.03
EPS (Diluted)3.632.013.252.813.142.862.071.582.02
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.850.650.540.500.440.300.120.290.22
Price To Earnings Ratio10.1210.1213.0611.2811.5110.7217.1923.4514.21
Price To Sales Ratio2.011.822.111.942.422.452.953.482.89
Operating Margin27.4722.7124.5722.4030.7031.8024.0420.3327.05
Net Margin22.6312.4119.2418.6326.2426.4519.8717.2223.37
Shares Outstanding14.9215.008.977.557.527.517.807.253.62
Market Capitalization548.11548.11369.57255.92252.26232.27278.02268.09102.52

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income55.6953.9453.2754.3854.7053.9239.9631.04
Total Interest Expense17.2517.2416.6317.5417.1017.6013.6511.69
Net Interest Income38.4436.7036.6436.8437.6036.3226.3119.35
Loan Loss Provision0.900.55-0.800.200.6513.160.20
Net Interest Income After Loan Loss Provision37.5336.15-36.0437.4035.6713.1519.15
Non-Interest Income6.914.885.796.296.696.264.825.04
Non-Interest Expense26.7025.9925.7525.5525.7625.1018.3615.00
Operating Income17.7515.0416.6816.7918.3316.84-0.399.19
Unusual Expense0.000.000.000.000.000.1717.200.39
Net Income Before Taxes17.7515.0416.6816.7918.3316.67-17.598.80
Income Taxes3.202.572.982.923.653.13-3.691.64
Consolidated Net Income14.5412.4613.7013.8714.6813.53-13.917.16
Net Income From Continuing Operations14.5412.4613.7013.8714.6813.53-13.917.16
Net Income14.5412.4613.7013.8714.6813.53-13.917.16
EPS (Recurring)0.970.830.910.920.970.91-0.170.82
EPS (Basic, Before Extraordinaries)0.970.830.910.920.980.90-1.300.80
EPS (Diluted)0.970.830.910.920.970.90-1.300.79
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.220.210.230.200.150.230.070.14
Price To Earnings Ratio10.129.1718.8121.6727.0327.5910.2513.06
Price To Sales Ratio2.012.131.751.962.152.432.032.33
Operating Margin28.3525.5628.2427.6729.8527.97-0.8825.48
Net Margin23.2321.1923.2022.8623.9222.49-31.0619.84
Shares Outstanding14.9214.9514.9615.0015.0215.0114.988.97
Market Capitalization548.11509.15421.29443.50503.38497.84500.90369.57

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks87.6496.4055.0843.5931.5479.1759.3119.6936.84
Investments997.88928.10953.52987.191,125.97598.96352.23173.85160.88
Net Loans2,986.481,529.091,394.971,182.161,051.791,097.28849.04425.04401.01
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets2.520.470.120.000.190.270.930.100.11
Net Property, Plant & Equipment48.1127.1029.7528.2329.8829.4924.2715.8812.86
Interest Receivables11.007.100.000.000.000.000.000.000.00
Deferred Tax Assets34.8220.9021.13--5.572.381.481.31
Other Intangible Assets257.46121.22143.27144.74127.31114.18100.3535.9834.86
Total Assets4,425.912,730.382,597.842,385.912,366.681,924.911,388.51670.54647.85
Total Deposits3,600.032,214.102,122.052,118.002,052.291,674.581,154.60577.01539.85
Total Debt316.10210.75236.2286.1685.0212.4233.2010.0327.42
Long Term Debt70.41210.7565.9035.8335.029.040.165.230.23
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities15.367.143.97--6.233.101.100.98
Other Liabilities29.0737.9739.9612.887.704.425.473.023.06
Total Liabilities3,960.562,469.972,402.202,217.042,145.011,697.641,196.37590.07571.30
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity465.35260.42195.63168.87221.67227.27192.1480.4876.55
Total Shareholders Equity465.35260.42195.63168.87221.67227.27192.1480.4876.55
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity465.35260.42195.63168.87221.67227.27192.1480.4876.55
Total Liabilities & Stockholders Equity4,425.912,730.382,597.842,385.912,366.681,924.911,388.51670.54647.85
Book Value Per Share31.0229.0525.9222.4729.5229.1526.5222.2521.14
Tangible Book Value Per Share20.2922.2417.7314.1221.0120.7118.3918.4617.35
Tier 1 Capital358.52241.65189.91182.42164.84150.47131.7867.4862.58
Tier 2 Capital67.2946.2743.9339.5939.5212.094.054.674.57
Full-Time Employees598392389402386359339174173
Price to Book Ratio1.171.491.411.611.041.221.401.271.16
Return on Assets0.791.000.850.991.030.940.701.090.98
Return on Equity7.7611.7211.6712.119.827.455.269.118.32
Return on Invested Capital5.265.678.1311.558.596.613.738.568.03
Current Ratio0.030.070.030.030.020.070.070.040.09

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations63.6245.7334.3033.4943.0229.3916.189.728.94
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-5.36-15.2213.9712.992.000.30-6.720.64-0.30
Cash from Operating Activities58.2530.5148.2746.4845.0229.699.4610.368.64
Capital Expenditures-18.65-6.63-1.71-4.23-1.16-12.76-1.85-0.77-4.21
Net Assets From Acquisitions0.000.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.0035.6420.640.00
Purchase or Sale of Investments9.2935.8643.2747.5143.24-554.00-204.9416.97-15.28
Purchase of Investments-64.85-84.75-16.84-2.24-63.59-637.94-375.67-209.76-31.45
Sale Or Maturity of Investments74.15120.6160.1249.75106.8383.94170.73226.7316.17
Other Uses0.000.000.00-2.46-1.950.000.000.000.00
Other Sources2.70174.022.110.000.000.000.000.000.00
Cash from Investing Activities-180.86107.99-97.54-181.37-90.50-513.36-251.7335.20-42.54
Cash Dividends Paid-17.35-16.95-9.01-7.91-7.58-7.20-6.17-5.82-2.58
Change in Capital Stock-3.52-1.7932.770.23-0.59-7.650.130.07-0.45
Repurchase of Common Pref Stock-4.49-2.680.000.00-0.77-7.790.00-0.07-0.52
Sale of Common Pref Stock0.970.8932.770.230.170.140.130.140.08
Proceedsfrom Stock Options0.970.8932.770.230.170.140.130.140.08
Issuance or Reduction of Debt, Net37.00-80.21-25.00150.000.0073.17-23.87-3.63-17.38
Change in Long Term Debt0.000.000.000.000.000.000.000.00-10.23
Issuance of Long Term Debt0.000.000.000.000.000.000.000.00133.30
Reduction of Long Term Debt0.000.000.000.000.000.000.000.00-143.53
Net Financing Active Other Cash Flow-0.25-0.33-0.220.000.000.000.00-0.300.00
Other Financing Activities Uses-0.25-0.33-0.220.000.000.000.00-0.300.00
Cash from Financing Activities118.59-147.2690.58146.3757.54436.04262.23-5.6916.75
Net Change in Cash-4.01-8.7641.3211.4912.06-47.6319.9639.87-17.15
Free Cash Flow50.6223.8846.5742.2543.8526.937.619.594.43
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow14.5759.567.806.466.0210.34162.0538.4049.00
Federal Home Loan Advances Increase (Decrease)--7.25-5.18-0.930.000.000.00-0.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks94.6188.3083.8787.6497.89154.95
Investments949.07982.501,010.45997.88989.10929.23
Net Loans3,059.043,037.042,947.802,986.482,875.172,885.99
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment50.4050.3848.6748.1146.1645.67
Interest Receivables5.804.702.3011.002.302.00
Deferred Tax Assets---34.82--
Other Intangible Assets298.27292.09299.19257.46283.71289.97
Total Assets4,459.104,456.894,394.564,425.914,296.904,310.25
Total Deposits3,671.773,601.833,667.393,600.033,567.033,592.62
Total Debt283.61343.50233.37316.10246.12246.71
Long Term Debt68.6168.5068.3770.4198.1291.70
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---15.36--
Other Liabilities33.9228.8823.8029.0734.1439.16
Total Liabilities3,989.303,974.213,924.563,960.563,847.293,878.49
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity469.81482.68470.00465.35449.62431.76
Total Shareholders Equity469.81482.68470.00465.35449.62431.76
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity469.81482.68470.00465.35449.62431.76
Total Liabilities & Stockholders Equity4,459.104,456.894,394.564,425.914,296.904,310.25
Book Value Per Share31.4932.2931.4231.0229.9428.77
Tangible Book Value Per Share21.0221.7320.7720.2919.3918.10
Tier 1 Capital386.29375.24366.30358.52351.89339.20
Tier 2 Capital69.8469.56-67.29-66.76
Full-Time Employees---598--
Price to Book Ratio1.171.080.910.991.171.17
Return on Assets1.251.251.280.790.610.41
Return on Equity11.8711.9712.447.766.164.37
Return on Invested Capital2.702.262.552.592.682.59
Current Ratio0.040.080.080.030.100.15

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations15.5922.1813.7112.1319.9611.59
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.177.76-13.890.60-4.66-2.63
Cash from Operating Activities15.7529.94-0.1812.7315.298.96
Capital Expenditures-1.27-2.81-12.45-2.12-1.60-2.08
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments4.7222.90-21.433.10-54.581.29
Purchase of Investments-10.63-12.64-34.82-6.76-61.72-14.91
Sale Or Maturity of Investments15.3535.5413.399.877.1416.20
Other Uses0.000.000.000.000.000.00
Other Sources0.000.007.06-4.360.111.56
Cash from Investing Activities-13.96-64.5314.56-116.92-42.1210.05
Cash Dividends Paid-4.33-4.34-4.34-4.35-4.20-4.20
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.09-0.83-1.19-0.410.030.48
Repurchase of Common Pref Stock-1.34-1.07-1.44-0.63-0.210.22
Sale of Common Pref Stock0.260.240.260.210.250.26
Proceedsfrom Stock Options0.260.240.260.210.250.26
Issuance or Reduction of Debt, Net-60.00110.00-80.0067.00-0.7161.00
Change in Long Term Debt0.000.000.000.000.000.00
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow0.00-0.250.000.000.00-0.33
Other Financing Activities Uses0.00-0.250.000.000.00-0.33
Cash from Financing Activities4.5239.02-18.1693.20-30.48-2.15
Net Change in Cash6.324.43-3.77-10.99-57.3016.86
Free Cash Flow14.5727.13-1.7010.6113.696.88
Price to Free Cash Flow14.5715.6934.1264.1320.28146.62

Revenue breakdown

Customer Service Charges2024: 4.77M 2025: 5.99M
Insurance and Investment Commission Income2024: 742.00K 2025: 1.91M
Interchange Income2024: 5.80M 2025: 7.81M
Other Charges and Fees for Customer Services2024: 562.00K 2025: 751.00K
Trust Fee Income2024: 906.00K 2025: 2.53M
United States2024: 12.78M 2025: 18.99M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-302.75%0.4M13.9M78.86K
2026-10-153.72%0.5M13.9M82.24K
2026-09-303.74%0.5M13.9M81.38K
2026-09-153.71%0.5M13.9M92.21K
2026-08-313.25%0.5M13.9M95.31K
2026-08-142.83%0.4M13.9M95.98K
2026-07-312.24%0.3M13.9M93.95K
2026-07-152.12%0.3M14.0M87.97K
2026-06-302.37%0.3M14.0M86.75K
2026-06-151.94%0.3M14.0M73.47K
2026-05-291.58%0.2M14.0M76.42K
2026-05-151.29%0.2M14.0M81.03K
2026-04-301.29%0.2M13.9M84.07K
2026-04-151.44%0.2M14.0M85.35K
2026-03-311.66%0.2M14.0M85.65K
2026-03-131.43%0.2M14.0M98.08K
2026-02-270.81%0.1M14.0M110.59K
2026-02-130.89%0.1M14.0M117.75K
2026-01-301.33%0.2M13.9M133.30K
2026-01-151.58%0.2M13.9M138.32K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-058-KCurrent report2026-11-05SEC
2026-10-308-KCurrent report2026-10-30SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-10-024Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-08-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-248-KCurrent report2026-07-24SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC
2026-07-064Statement of changes in beneficial ownership of securities2026-07-01SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-03209.69K400
2026-0252.15K2443.40K1
2026-010000
2025-120000
2025-11142.50K100

Institutional holders

Manager% owned
BlackRock, Inc.7.26%
NORTHERN TRUST CORP4.52%
VANGUARD CAPITAL MANAGEMENT LLC4.17%
STATE STREET CORP2.99%
GEODE CAPITAL MANAGEMENT, LLC2.52%
ALLIANCEBERNSTEIN L.P.2.29%
DIMENSIONAL FUND ADVISORS LP2.18%
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC1.52%
MANUFACTURERS LIFE INSURANCE COMPANY, THE1.47%
AQR CAPITAL MANAGEMENT LLC1.37%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND3.01%
iShares Russell 2000 ETF2.60%
Avantis U.S. Small Cap Value ETF1.56%
ProShares Russell 2000 Dividend Growers ETF1.47%
Fidelity Small Cap Index Fund1.06%
VANGUARD EXTENDED MARKET INDEX FUND1.06%
iShares Russell 2000 Value ETF0.99%
State Street(R) SPDR(R) S&P(R) Regional Banking ETF0.72%
VANGUARD RUSSELL 2000 INDEX FUND0.55%
College Retirement Equities Fund - Total Global Stock Account0.48%

OakChart. COFS. Cached 15 minutes.