CHOICEONE FINANCIAL SERVICES INC COFS
Nasdaq · XNAS · stock · State Commercial Banks
Chart by TradingView
3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
60.2%
Dividend payout · stretched
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $19.0M | $28.2M | — | $25.2M | $465.4M |
| 2024 | $139.1M | $26.7M | — | $45.4M | $260.4M |
| 2023 | $113.9M | $21.3M | — | $42.1M | $195.6M |
| 2022 | $89.1M | $23.6M | — | $43.2M | $160.8M |
| 2021 | — | $22.0M | — | $34.9M | $221.7M |
| 2020 | — | $15.6M | — | $6.6M | $227.3M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | 2026-04-30 | Tax withheld | 137 | $30.03 |
| Henion Bradley | E.V.P. - ChoiceOne Bank (Sub.) | 2026-04-30 | Grant | 1,455 | — |
| Greenland Adom | Secretary | 2026-04-30 | Tax withheld | 127 | $30.03 |
| Greenland Adom | Secretary | 2026-04-30 | Grant | 1,506 | — |
| Burke Michael J. Jr. | President | 2026-04-30 | Tax withheld | 252 | $30.03 |
| Burke Michael J. Jr. | President | 2026-04-30 | Grant | 2,439 | — |
| Potes Kelly | Chief Executive Officer | 2026-04-30 | Tax withheld | 450 | $30.03 |
| Potes Kelly | Chief Executive Officer | 2026-04-30 | Grant | 4,416 | — |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000803164 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.