20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.
ChoiceOne Financial Services Inc (COFS) operates in the BANKS - REGIONAL industry and is headquartered in Sparta, United States with about 571 employees. Its market capitalization is roughly $541 million. In the fiscal year ended 2025-12-31, COFS reported $193M in revenue and $28M in net income.
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services.
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| Income statement | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $183M | $193M | $139M | $114M | $89M | $84M | $78M | $42M | $31M | $29M | $28M | $27M | $26M | $25M | $27M | $28M | $28M | $29M | $31M | $35M | $20M |
| Gross Profit | $114M | $112M | $92M | $81M | $81M | $79M | $70M | $37M | $29M | $27M | $27M | $26M | $25M | $24M | $22M | $20M | $19M | $17M | $16M | $20M | $11M |
| Gross Margin % | 62.3% | 58.2% | 66.0% | 70.8% | 91.0% | 94.8% | 89.0% | 88.7% | 92.1% | 93.2% | 96.6% | 96.0% | 95.2% | 93.2% | 81.3% | 73.7% | 67.6% | 58.1% | 52.7% | 55.6% | 56.2% |
| Operating Income (EBIT) | $35M | $34M | $33M | $26M | $28M | $26M | $19M | $8M | $8M | $9M | $8M | $8M | $8M | $7M | $6M | $5M | $3M | $1M | $1M | $5M | $3M |
| Operating Margin % | 19.2% | 17.7% | 23.8% | 22.4% | 31.0% | 31.6% | 24.1% | 20.3% | 27.0% | 29.6% | 29.3% | 28.4% | 30.1% | 27.2% | 20.7% | 16.6% | 12.2% | 4.5% | 4.0% | 12.8% | 13.4% |
| Net Income | $55M | $28M | $27M | $21M | $24M | $22M | $16M | $7M | $7M | $6M | $6M | $6M | $6M | $5M | $4M | $4M | $3M | $1M | $1M | $4M | $2M |
| Net Margin % | 30.0% | 14.6% | 19.2% | 18.7% | 26.5% | 26.3% | 19.9% | 17.2% | 23.3% | 21.3% | 21.6% | 21.2% | 22.1% | 20.2% | 15.7% | 12.7% | 9.8% | 5.2% | 4.6% | 10.2% | 10.3% |
| EBITDA | $46M | $54M | $45M | $38M | $41M | $39M | $27M | $12M | $11M | $11M | $11M | $10M | $10M | $9M | $8M | $7M | $5M | $3M | $3M | $6M | $4M |
| Earnings Per Share (EPS) | $3.63 | $2.01 | $3.25 | $2.81 | $3.14 | $2.86 | $2.07 | $1.58 | $2.02 | $1.70 | $1.68 | $1.58 | $1.56 | $1.40 | $1.17 | $0.97 | $0.75 | $0.25 | $0.25 | $1.00 | $1.14 |
| Shares Outstanding (M) | 15M | 14M | 8M | 8M | 8M | 8M | 8M | 5M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 4M | 2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly income statement | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Total Revenue | $1M | $59M | $60M | $62M | $60M | $45M | $36M | $37M |
| Gross Profit | ($15M) | $42M | $42M | $45M | $42M | $18M | $24M | $25M |
| Gross Margin % | -1231.7% | 71.9% | 69.7% | 72.0% | 69.8% | 40.3% | 67.0% | 67.5% |
| Operating Income (EBIT) | ($17M) | $17M | $17M | $18M | $17M | ($18M) | $9M | $9M |
| Operating Margin % | -1335.5% | 28.2% | 27.8% | 29.6% | 27.6% | -39.2% | 24.4% | 25.4% |
| Net Income | $12M | $14M | $14M | $15M | $14M | ($14M) | $7M | $7M |
| Net Margin % | 997.8% | 23.2% | 22.9% | 23.7% | 22.4% | -31.0% | 19.9% | 20.1% |
| EBITDA | ($22M) | $22M | $22M | $24M | $22M | ($14M) | $12M | $12M |
| Earnings Per Share (EPS) | $0.83 | $0.91 | $0.92 | $0.97 | $0.90 | $-1.29 | $0.84 | $0.86 |
| Shares Outstanding (M) | 15M | 15M | 15M | 15M | 15M | 11M | 9M | 9M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Cash flow | TTM → 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $59M | $32M | $49M | $46M | $45M | $38M | $8M | $9M | $10M | $8M | $11M | $4M | $7M | $10M | $10M | $13M | $9M | $9M | $7M | $7M | ($7M) |
| Capital Expenditures (CapEx) | $7M | $7M | $2M | $4M | $1M | $3M | $2M | $1M | $4M | $2M | $2M | $1M | $1M | $1M | $1M | $0M | $2M | $1M | $1M | $1M | $0M |
| Free Cash Flow (FCF) | $52M | $25M | $47M | $42M | $44M | $35M | $7M | $8M | $6M | $6M | $9M | $3M | $7M | $10M | $9M | $12M | $8M | $8M | $6M | $6M | ($7M) |
| FCF Margin % | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividends Paid | $17M | $17M | $9M | $8M | $8M | $7M | $6M | $6M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Quarterly cash flow | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations (CFO) | $30M | $0M | $14M | $15M | $9M | ($6M) | $24M | ($6M) |
| Capital Expenditures (CapEx) | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $0M |
| Free Cash Flow (FCF) | $28M | ($2M) | $12M | $14M | $7M | ($7M) | $23M | ($7M) |
| FCF Margin % | — | — | — | — | — | — | — | — |
| Dividends Paid | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $2M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
| Balance sheet | 2026-06-30 | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 | 2012-12-31 | 2011-12-31 | 2010-12-31 | 2009-12-31 | 2008-12-31 | 2007-12-31 | 2006-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.5B | $4.4B | $2.7B | $2.6B | $2.4B | $2.4B | $1.9B | $1.4B | $671M | $647M | $607M | $568M | $550M | $515M | $509M | $496M | $481M | $466M | $464M | $470M | $467M |
| Cash & Cash Equivalents | $89M | $88M | $96M | $55M | $44M | $32M | $80M | $60M | $20M | $37M | $15M | $11M | $17M | $20M | $19M | $17M | $19M | $10M | $9M | $11M | $10M |
| Total Liabilities | $4.0B | $3.9B | $2.5B | $2.4B | $2.2B | $2.1B | $1.7B | $1.2B | $590M | $570M | $536M | $498M | $483M | $453M | $448M | $438M | $426M | $413M | $411M | $417M | $415M |
| Total Debt (Short + Long-Term) | $363M | $313M | $211M | $226M | $135M | $135M | $16M | $66M | $10M | $27M | $20M | $10M | $27M | $26M | $20M | $47M | $31M | $34M | $65M | $22M | $15M |
| Total Shareholders' Equity | $483M | $465M | $260M | $196M | $169M | $222M | $227M | $192M | $80M | $77M | $72M | $70M | $66M | $62M | $61M | $58M | $54M | $53M | $52M | $53M | $52M |
USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).
Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive COFS viewer.
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