ChoiceOne Financial Services, Inc. (COFS) Stock Total Returns
Growth of $10,000 chart
2021-04-21 to 2026-04-21 to
$
%
%
Loading chart…
Investment Performance
Final Value
$15,038
Total Return
50.38%
CAGR
8.50%
Dividends
$2,437.12
Yield on Cost
24.37%
Rolling Returns
1-Month (21 Trading Days)
| Average | +0.99% |
| Median | +0.04% |
| Best | +54.18% |
| Worst | -30.66% |
| % of Windows Positive | 50.2% |
1-Year (252 Trading Days)
| Average | +8.89% |
| Median | +7.67% |
| Best | +99.48% |
| Worst | -24.34% |
| % of Windows Positive | 63.2% |
3-Year (756 Trading Days)
| Average | +35.38% |
| Median | +36.66% |
| Best | +69.98% |
| Worst | +4.50% |
| % of Windows Positive | 100.0% |
Risk Metrics
| Maximum Drawdown | -42.56% |
| Average Drawdown | -13.91% |
| Drawdown Duration | 239 Trading Days |
| Sortino Ratio | 0.61 |
| Calmar Ratio | 0.20 |
| CVaR (5%) | -4.80% |
Yearly Returns
| Year | Percentage | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|
| 2026 partial | +3.07% (+10.46% ann.) | +$307.03 | $98.24 | $19.65 | $0.16 |
| 2025 | -14.62% | $1461.95 | $320.82 | $64.16 | $0.51 |
| 2024 | +25.32% | +$2531.58 | $376.60 | $75.32 | $0.60 |
| 2023 | +4.41% | +$440.69 | $366.66 | $73.33 | $0.59 |
| 2022 | +13.42% | +$1341.50 | $386.39 | $77.28 | $0.62 |
| 2021 | -11.50% | $1149.65 | $308.30 | $61.66 | $0.49 |
| 2020 | -1.42% | $141.75 | $258.78 | $51.76 | $0.41 |
| 2019 | +32.88% | +$3288.24 | $567.05 | $113.41 | $0.91 |
| 2018 | +12.78% | +$1278.02 | $316.55 | $63.31 | $0.51 |
| 2017 | +7.72% | +$771.53 | $299.69 | $59.94 | $0.48 |
| 2016 | +2.21% | +$220.63 | $288.34 | $57.67 | $0.46 |
| 2015 | +5.89% | +$588.73 | $289.45 | $57.89 | $0.46 |
| 2014 | +37.88% | +$3787.78 | $348.64 | $69.73 | $0.56 |
| 2013 | +21.53% | +$2153.20 | $377.73 | $75.54 | $0.61 |
| 2012 | +21.19% | +$2118.91 | $412.61 | $82.53 | $0.66 |
| 2011 | +5.71% | +$571.23 | $405.22 | $81.03 | $0.65 |
| 2010 | +38.71% | +$3871.21 | $542.04 | $108.40 | $0.88 |
| 2009 | +14.54% | +$1453.54 | $591.49 | $118.30 | $0.94 |
| 2008 | -29.77% | $2977.12 | $554.70 | $110.94 | $0.89 |
| 2007 | -26.67% | $2666.61 | $389.11 | $77.82 | $0.62 |
| 2006 | -1.38% | $137.84 | $371.81 | $74.36 | $0.59 |
| 2005 | -13.24% | $1323.63 | $309.80 | $61.96 | $0.50 |
| 2004 | +38.48% | +$3847.77 | $402.98 | $80.59 | $0.64 |
| 2003 | +21.20% | +$2120.22 | $238.77 | $47.76 | $0.39 |
| 2002 | +2.14% | +$214.28 | $0.00 | $0.00 | $0.00 |
| 2001 partial | +5.66% (+10.98% ann.) | +$566.04 | $0.00 | $0.00 | $0.00 |
Market Regimes
about| Regime | Period | Percentage | Annual | Abs. Return | Dividends | Taxes | Trans. Costs |
|---|---|---|---|---|---|---|---|
| Dot-com bust / post-bubble disinflation scare partial | June 21, 2001 – October 9, 2002 | +9.43% | +7.18% | +$943.40 | $0.00 | $0.00 | $0.00 |
| China-WTO / housing-credit / commodity boom | October 10, 2002 – October 9, 2007 | +27.30% | +4.95% | +$2730.42 | $2175.38 | $435.08 | $3.48 |
| GFC / deleveraging / dollar shortage | October 10, 2007 – March 9, 2009 | -55.72% | -43.82% | $5572.26 | $601.03 | $120.21 | $0.96 |
| Policy-led rebound / euro-sovereign-crisis overlay | March 10, 2009 – July 25, 2012 | +179.81% | +35.64% | +$17981.41 | $3024.56 | $604.89 | $4.83 |
| Secular stagnation / QE / low inflation / duration bull | July 26, 2012 – February 19, 2020 | +214.45% | +16.35% | +$21445.05 | $4429.88 | $885.98 | $7.09 |
| Pandemic shock / liquidity crash | February 20, 2020 – March 23, 2020 | -42.95% | -99.83% | $4295.12 | $59.74 | $11.95 | $0.10 |
| Policy bazooka / monetary euphoria | March 24, 2020 – November 6, 2020 | +55.52% | +103.51% | +$5551.84 | $211.08 | $42.22 | $0.34 |
| Reopening reflation / fiscal boom / supply bottlenecks | November 9, 2020 – November 29, 2021 | -13.43% | -12.79% | $1343.22 | $303.36 | $60.67 | $0.49 |
| Inflation shock / duration crash / aggressive tightening | November 30, 2021 – November 9, 2022 | -8.16% | -8.64% | $815.59 | $399.07 | $79.81 | $0.64 |
| Disinflation rebound / AI-led narrow bull / higher-for-longer | November 10, 2022 – September 17, 2024 | +45.35% | +22.36% | +$4535.10 | $962.18 | $192.43 | $1.54 |
| Disinflationary easing / resilient growth / AI capex under oil-shock test partial | September 18, 2024 – April 21, 2026 | +2.12% | +1.33% | +$212.18 | $560.24 | $112.05 | $0.90 |
Dividend History
Annual Dividends Per Share
TTM Yield
—
Consecutive Years Paid
— current
Consecutive Years of Growth
— current
| Date | Per Share | Yield % |
|---|---|---|
| 2003-09-11 | $0.1469 | 1.06% |
| 2003-12-10 | $0.1469 | 1.00% |
| 2004-03-10 | $0.1469 | 0.89% |
| 2004-06-14 | $0.1469 | 0.86% |
| 2004-09-13 | $0.1469 | 0.79% |
| 2004-12-13 | $0.1469 | 0.72% |
| 2005-03-11 | $0.1469 | 0.77% |
| 2005-06-13 | $0.1542 | 0.87% |
| 2005-09-13 | $0.1542 | 0.85% |
| 2005-12-13 | $0.1542 | 0.89% |
| 2006-03-13 | $0.1542 | 0.97% |
| 2006-06-13 | $0.1542 | 0.92% |
| 2006-09-13 | $0.1542 | 0.94% |
| 2006-12-13 | $0.1542 | 0.95% |
| 2007-03-13 | $0.1542 | 1.00% |
| 2007-06-13 | $0.1542 | 1.05% |
| 2007-09-12 | $0.1542 | 1.21% |
| 2007-12-12 | $0.1542 | 1.47% |
| 2008-03-12 | $0.1542 | 1.55% |
| 2008-06-11 | $0.1542 | 1.73% |
| 2008-09-11 | $0.1542 | 1.66% |
| 2008-12-11 | $0.1542 | 2.12% |
| 2009-03-11 | $0.1088 | 2.00% |
| 2009-06-11 | $0.1088 | 1.90% |
| 2009-09-11 | $0.1088 | 1.50% |
| 2009-12-11 | $0.1088 | 1.41% |
| 2010-03-11 | $0.1088 | 1.43% |
| 2010-06-11 | $0.1088 | 1.33% |
| 2010-09-13 | $0.1088 | 1.16% |
| 2010-12-13 | $0.1088 | 1.04% |
| 2011-03-11 | $0.1088 | 1.09% |
| 2011-06-13 | $0.1088 | 1.13% |
| 2011-09-13 | $0.1088 | 1.02% |
| 2011-12-13 | $0.1088 | 1.06% |
| 2012-03-13 | $0.1088 | 0.96% |
| 2012-06-13 | $0.1088 | 0.79% |
| 2012-09-12 | $0.1179 | 0.84% |
| 2012-12-12 | $0.1179 | 0.90% |
| 2013-03-13 | $0.1179 | 0.80% |
| 2013-06-12 | $0.1179 | 0.79% |
| 2013-09-11 | $0.1270 | 0.85% |
| 2013-12-11 | $0.1270 | 0.84% |
| 2014-03-12 | $0.1270 | 0.83% |
| 2014-06-11 | $0.1361 | 0.83% |
| 2014-09-11 | $0.1361 | 0.71% |
| 2014-12-11 | $0.1361 | 0.68% |
| 2015-03-11 | $0.1361 | 0.65% |
| 2015-06-11 | $0.1542 | 0.75% |
| 2015-09-11 | $0.1542 | 0.75% |
| 2015-12-11 | $0.1542 | 0.72% |
| 2016-03-11 | $0.1542 | 0.76% |
| 2016-06-13 | $0.1542 | 0.77% |
| 2016-09-13 | $0.1542 | 0.77% |
| 2016-12-13 | $0.1542 | 0.72% |
| 2017-03-13 | $0.1542 | 0.71% |
| 2017-06-13 | $0.1619 | 0.75% |
| 2017-09-14 | $0.1619 | 0.76% |
| 2017-12-14 | $0.1619 | 0.74% |
| 2018-03-14 | $0.1714 | 0.73% |
| 2018-06-14 | $0.1800 | 0.70% |
| 2018-09-13 | $0.1800 | 0.66% |
| 2018-12-13 | $0.1800 | 0.72% |
| 2019-03-14 | $0.2000 | 0.81% |
| 2019-06-13 | $0.2000 | 0.71% |
| 2019-09-18 | $0.8000 | 2.71% |
| 2019-12-12 | $0.2000 | 0.62% |
| 2020-03-12 | $0.2000 | 0.69% |
| 2020-06-12 | $0.2000 | 0.66% |
| 2020-09-14 | $0.2000 | 0.72% |
| 2020-12-14 | $0.2200 | 0.70% |
| 2021-03-12 | $0.2200 | 0.74% |
| 2021-06-14 | $0.2200 | 0.88% |
| 2021-09-14 | $0.2500 | 1.00% |
| 2021-12-14 | $0.2500 | 0.98% |
| 2022-03-14 | $0.2500 | 0.98% |
| 2022-06-14 | $0.2500 | 1.23% |
| 2022-09-14 | $0.2500 | 1.15% |
| 2022-12-14 | $0.2600 | 1.03% |
| 2023-03-14 | $0.2600 | 0.96% |
| 2023-06-14 | $0.2600 | 1.07% |
| 2023-09-14 | $0.2600 | 1.15% |
| 2023-12-14 | $0.2700 | 0.90% |
| 2024-03-14 | $0.2700 | 1.02% |
| 2024-06-14 | $0.2700 | 1.03% |
| 2024-09-13 | $0.2700 | 0.90% |
| 2024-12-13 | $0.2800 | 0.76% |
| 2025-03-14 | $0.2800 | 0.98% |
| 2025-06-13 | $0.2800 | 0.95% |
| 2025-09-15 | $0.2800 | 0.92% |
| 2025-12-15 | $0.2900 | 0.91% |
| 2026-03-13 | $0.2900 | 1.05% |
| Total | 91 payments |
Portfolio Dividend Returns
Based on $10,000 initial investment, 20% tax rate, 0.2% transaction cost. Showing 2021-04-21 to 2026-04-21. Change
| Date | Total Yield | Tax | Trans. Cost | Shares Bought |
|---|---|---|---|---|
| 2021-06-14 | $93.46 | $18.69 | $0.15 | 3.0063 |
| 2021-09-14 | $106.95 | $21.39 | $0.17 | 3.4684 |
| 2021-12-14 | $107.82 | $21.56 | $0.17 | 3.4296 |
| 2022-03-14 | $108.68 | $21.74 | $0.17 | 3.4014 |
| 2022-06-14 | $109.53 | $21.91 | $0.17 | 4.3615 |
| 2022-09-14 | $110.62 | $22.12 | $0.18 | 4.1581 |
| 2022-12-14 | $116.12 | $23.22 | $0.19 | 3.7235 |
| 2023-03-14 | $117.09 | $23.42 | $0.19 | 3.5533 |
| 2023-06-14 | $118.02 | $23.60 | $0.19 | 3.9016 |
| 2023-09-14 | $119.03 | $23.81 | $0.19 | 4.1554 |
| 2023-12-14 | $124.73 | $24.95 | $0.20 | 3.4222 |
| 2024-03-14 | $125.66 | $25.13 | $0.20 | 3.8291 |
| 2024-06-14 | $126.69 | $25.34 | $0.20 | 3.9266 |
| 2024-09-13 | $127.75 | $25.55 | $0.21 | 3.4010 |
| 2024-12-13 | $133.43 | $26.69 | $0.21 | 2.9139 |
| 2025-03-14 | $134.25 | $26.85 | $0.21 | 3.7490 |
| 2025-06-13 | $135.30 | $27.06 | $0.22 | 3.8306 |
| 2025-09-15 | $136.37 | $27.28 | $0.22 | 3.6281 |
| 2025-12-15 | $142.29 | $28.46 | $0.23 | 3.5658 |
| 2026-03-13 | $143.33 | $28.67 | $0.23 | 4.1994 |
| Total | $2437.12 | $487.42 | $3.90 | 73.6248 |
All calculations use split-adjusted closing prices. Dividends are reinvested on the ex-dividend date at that day's closing price.
For each rolling window, returns are calculated at every possible starting point:
return = (value[i] ÷ value[i − windowSize] − 1) × 100
- Windows
- 1-month = 21 trading days, 1-year = 252 trading days, 3-year = 756 trading days.
- Statistics
- Average: arithmetic mean. Median: middle value when sorted. Best / Worst: max and min. % Positive: share of windows with return > 0.
The series is segmented by calendar year:
return = (endValue ÷ startValue − 1) × 100
startValue is the last value of the prior year (or the first value for the initial year). Partial first/last years are flagged. Dividends, taxes, and transaction costs are scaled proportionally to the initial investment.