ChoiceOne Financial Company Insiders

COFS Stock  USD 29.00  0.56  1.89%   
ChoiceOne Financial employs about 573 people. The company is managed by 18 executives with a total tenure of roughly 14 years, averaging almost 0.0 years of service per executive, having 31.83 employees per reported executive. Breaking down ChoiceOne Financial's management performance can provide insight into the firm performance.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in ChoiceOne Financial Services. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.

ChoiceOne Financial's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with ChoiceOne Financial's future performance. Based on our forecasts, it is anticipated that ChoiceOne will maintain a workforce of slightly above 570 employees by March 2026.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

ChoiceOne Financial Management Team Effectiveness

Return On Tangible Assets is likely to drop to 0.01 in 2026. Return On Capital Employed is likely to drop to 0.06 in 2026. At this time, ChoiceOne Financial's Total Assets are comparatively stable compared to the past year. Non Current Assets Total is likely to gain to about 2.6 B in 2026, whereas Intangible Assets are likely to drop slightly above 1.2 M in 2026. ChoiceOne Financial's management efficiency ratios could be used to measure how well ChoiceOne Financial manages its routine affairs as well as how well it operates its assets and liabilities.
Common Stock Shares Outstanding is likely to gain to about 9.9 M in 2026. Net Income Applicable To Common Shares is likely to gain to about 28.5 M in 2026ChoiceOne Financial holds a total of 15.02 Million outstanding shares. 30% of ChoiceOne Financial Services outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.
 
Shares in Circulation  
First Issued
1999-06-30
Previous Quarter
15 M
Current Value
15.1 M
Avarage Shares Outstanding
4.2 M
Quarterly Volatility
2.6 M
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Some institutional investors establish a significant position in stocks such as ChoiceOne Financial in order to find ways to drive up its value. Retail investors, on the other hand, need to know that institutional holders can own millions of shares of ChoiceOne Financial, and when they decide to sell, the stock will often sell-off, which may instantly impact shareholders' value. So, traders who get in early or near the beginning of the institutional investor's buying cycle could potentially generate profits.

ChoiceOne Financial Workforce Comparison

ChoiceOne Financial Services is rated second in number of employees category among its peers. The total workforce of Financials industry is currently estimated at about 4,883. ChoiceOne Financial retains roughly 573 in number of employees claiming about 12% of equities under Financials industry.

ChoiceOne Financial Profit Margins

The company has Profit Margin (PM) of 0.17 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.46 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.46.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.50.59
Fairly Down
Very volatile
Net Profit Margin0.140.17
Significantly Down
Pretty Stable
Operating Profit Margin0.250.27
Significantly Down
Pretty Stable
Pretax Profit Margin0.250.27
Significantly Down
Pretty Stable
Return On Assets0.00960.0113
Fairly Down
Very volatile
Return On Equity0.09280.12
Significantly Down
Slightly volatile

ChoiceOne Financial Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific ChoiceOne Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on ChoiceOne Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, ChoiceOne Financial insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2025-12-01
7.5
15
2
 10,733 
 213.00 
2025-09-01
8.5
17
2
 7,877 
 3,960 
2025-06-01
4.25
17
4
 10,589 
 1,521 
2024-06-01
3.75
15
4
 7,421 
 1,889 
2023-12-01
4.0
20
5
 23,849 
 17,043 
2023-06-01
5.5
22
4
 17,535 
 1,189 
2022-06-01
2.8
14
5
 9,151 
 807.00 
2022-03-01
24.0
24
1
 9,557 
 540.95 
2021-12-01
8.0
16
2
 5,863 
 138.41 
2021-09-01
6.5
13
2
 2,753 
 0.00 
2020-12-01
12.0
12
1
 2,541 
 0.00 
2020-09-01
11.0
11
1
 2,155 
 85.00 
2020-06-01
1.08
27
25
 37,814 
 47,454 
2020-03-01
3.5
14
4
 6,361 
 3,279 
2019-12-01
1.3077
17
13
 297,089 
 706.00 
2019-06-01
5.5
33
6
 30,628 
 9,902 
2019-03-01
6.0
6
1
 1,146 
 412.56 
2018-12-01
3.0
6
2
 867.00 
 1,002 
2018-09-01
2.3333
7
3
 3,316 
 3,012 
2018-06-01
4.5
27
6
 14,361 
 5,721 
2018-03-01
5.5
11
2
 4,809 
 200.17 
2017-12-01
3.5
7
2
 3,276 
 849.09 
2017-09-01
1.6667
5
3
 709.00 
 1,129 
2017-06-01
6.5
26
4
 9,701 
 369.11 
2017-03-01
11.0
11
1
 7,421 
 250.00 
2016-12-01
2.8
14
5
 13,078 
 1,429 
2016-09-01
1.5
12
8
 5,243 
 1,968 
2016-06-01
2.5455
28
11
 35,931 
 2,716 
2016-03-01
3.8
19
5
 20,355 
 5,030 
2015-12-01
3.2
32
10
 14,234 
 2,339 
2015-09-01
3.5
14
4
 4,399 
 1,949 
2015-03-01
3.0
18
6
 9,337 
 2,691 
2014-12-01
1.3333
16
12
 10,998 
 6,822 
2014-09-01
6.5
13
2
 7,563 
 2,827 
2014-06-01
19.0
19
1
 4,730 
 560.00 
2014-03-01
0.75
9
12
 6,097 
 6,700 
2013-09-01
4.0
8
2
 4,396 
 3,000 
2013-06-01
9.0
9
1
 2,017 
 24.00 
2013-03-01
1.25
10
8
 4,948 
 2,433 
2012-12-01
5.0
10
2
 7,321 
 1,837 
2012-06-01
2.4
12
5
 3,951 
 1,251 
2012-03-01
6.0
6
1
 1,257 
 100.00 
2011-03-01
2.2
11
5
 4,239 
 2,742 
2010-09-01
6.0
6
1
 1,451 
 0.00 
2010-06-01
12.0
12
1
 7,818 
 100.00 
2010-03-01
6.0
6
1
 1,734 
 125.00 
2009-03-01
4.0
4
1
 1,321 
 125.00 
2008-03-01
13.0
13
1
 3,924 
 131.00 
2007-09-01
8.0
8
1
 2,076 
 352.00 
2007-06-01
12.0
12
1
 2,956 
 200.00 
2007-03-01
17.0
17
1
 6,107 
 131.00 
2006-12-01
15.0
15
1
 10,294 
 2,081 
2006-03-01
16.0
16
1
 3,076 
 131.00 
2005-03-01
17.0
17
1
 3,584 
 137.00 

ChoiceOne Financial Notable Stakeholders

A ChoiceOne Financial stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as ChoiceOne Financial often face trade-offs trying to please all of them. ChoiceOne Financial's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting ChoiceOne Financial's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Michael BurkePresident DirectorProfile
Adom CPAExecutive CFOProfile
Adom GreenlandExecutive CFOProfile
Heather BrolickEVP ResourcesProfile
Lee BrafordChief Credit Officer and Sr. VPProfile
Sarah FerrisVP ControllerProfile
Bart JonkerSVP OfficerProfile
Robert MichelSVP OfficerProfile
Ryan WolthuisSVP LenderProfile
Brent McCarthySVP OfficerProfile
Daniel WheatMortgage OriginatorProfile
Kelly CFPCEO DirectorProfile
Shelly ChildersSenior OfficerProfile
Steven DeVolderSenior OfficerProfile
Peter BatistoniSenior MichiganProfile
Robert JamulaSenior ManagementProfile
Danielle ChateauvertVice MarketingProfile
Bradley HenionExecutive OfficerProfile
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About ChoiceOne Financial Management Performance

The success or failure of an entity such as ChoiceOne Financial often depends on how effective the management is. ChoiceOne Financial management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of ChoiceOne management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the ChoiceOne management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.08  0.06 
Return On Assets 0.01  0.01 
Return On Equity 0.12  0.09 
Please note, the imprecision that can be found in ChoiceOne Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of ChoiceOne Financial Services. Check ChoiceOne Financial's Beneish M Score to see the likelihood of ChoiceOne Financial's management manipulating its earnings.

ChoiceOne Financial Workforce Analysis

Traditionally, organizations such as ChoiceOne Financial use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare ChoiceOne Financial within its industry.

ChoiceOne Financial Manpower Efficiency

Return on ChoiceOne Financial Manpower

Revenue Per Employee242.8K
Revenue Per Executive7.7M
Net Income Per Employee46.6K
Net Income Per Executive1.5M

Additional Tools for ChoiceOne Stock Analysis

When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.