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ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $227.6 million, up 63.6% from fiscal 2024. In the quarter to June 2026, revenue fell 2.56%, EPS fell 7.78%, free cash flow grew 165.2% and total debt rose 39.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.

33.15 0.23 +0.70%

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Market cap: $492.3M
P/E: 9.1×
Fwd P/E: 8.8×
Dividend yield: 3.50%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	12.82	13.31	12.32	20.18	14.81	9.23	8.90	10.77	10.87	19.68
Piotroski F-Score Full definition →	5	5	7	4	6	5	6	5	7	6
P/S ratio Full definition →	2.77	2.75	2.87	3.48	2.96	2.43	2.36	2.01	2.09	1.81
P/FCF ratio Full definition →	8.57	12.76	15.72	17.16	34.98	5.83	4.87	5.41	6.37	15.68
P/Operating CF Full definition →	28.43	33.92	30.55	38.27	8.07	25.02	17.09	(20.80)	12.44	29.32
P/B ratio Full definition →	1.09	1.07	1.12	0.75	1.02	0.92	1.25	1.17	1.12	0.88
Price to Tangible BV Full definition →	1.35	1.31	1.35	1.09	1.44	1.29	1.98	1.71	1.46	1.35
EV/Sales Full definition →	2.68	2.19	2.41	2.84	2.10	3.06	2.82	3.59	2.91	2.80
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	6.91	8.10	7.62	12.87	19.42	6.81	5.68	8.82	8.60	20.02
EV/FCF Full definition →	8.30	10.18	13.20	14.03	24.85	7.35	5.83	9.68	8.86	24.26
Quick Ratio Full definition →	0.03	0.07	0.03	0.05	0.05	0.02	0.02	0.03	0.04	0.02
Current Ratio Full definition →	0.73	0.79	0.73	0.75	0.69	0.51	0.58	0.69	0.74	0.86
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	2.03%	3.13%	0.78%	2.40%	0.65%	3.59%	3.57%	9.14%	7.74%	7.10%
Debt/Equity Full definition →	0.17	0.26	0.07	0.17	0.05	0.38	0.50	1.20	0.81	0.67
Asset Turnover Full definition →	0.05	0.05	0.05	0.04	0.05	0.04	0.04	0.05	0.05	0.06
Operating CF/Net income Full definition →	1.79	1.31	1.36	1.28	0.54	1.71	1.88	2.18	1.76	1.13
Capex/Depreciation Full definition →	(0.70)	(0.68)	(2.03)	(0.24)	(0.24)	(0.22)	(0.09)	(0.38)	(0.12)	(0.82)
ROE Full definition →	8.61%	8.32%	9.34%	5.26%	7.45%	9.82%	12.11%	11.67%	11.72%	7.76%
ROA Full definition →	1.04%	0.98%	1.11%	0.70%	0.94%	1.03%	0.99%	0.86%	1.01%	0.79%
ROIC Full definition →	7.45%	8.91%	8.04%	3.19%	7.37%	6.03%	8.22%	4.25%	5.70%	4.67%
Return on Tangible Assets Full definition →	(4.83%)	(6.08%)	(5.20%)	(2.66%)	(3.18%)	(2.27%)	(2.75%)	(3.34%)	(4.83%)	(5.99%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	65.95%	66.39%	65.18%	67.54%	68.08%	62.08%	58.99%	47.65%	41.37%	45.85%
Intangible Assets out of Total Assets Full definition →	0.02	0.02	0.02	0.04	0.03	0.03	0.03	0.02	0.02	0.04
Share Based Compensation of Revenue Full definition →	1.35%	1.06%	1.09%	0.90%	0.65%	0.97%	1.07%	0.88%	0.52%	0.39%
Graham Net Nets Full definition →	(1.97)	(1.67)	(1.83)	(2.30)	(2.32)	(5.38)	(4.69)	(4.05)	(2.85)	(2.10)
Graham Number Full definition →	27.35	28.46	31.88	38.88	37.60	43.16	39.94	40.59	48.51	33.56
Earnings Yield Full definition →	7.80%	7.51%	8.12%	4.95%	6.75%	10.83%	11.24%	9.29%	9.20%	5.08%
Free Cash Flow Yield Full definition →	11.67%	7.84%	6.36%	5.83%	2.86%	17.16%	20.53%	18.47%	15.71%	6.38%
Revenue per Share Full definition →	7.78	8.24	8.70	9.19	10.42	10.91	11.88	15.12	17.03	16.33
Operating CF per Share Full definition →	3.02	2.23	2.75	2.03	1.13	4.91	5.91	6.15	5.77	2.28
Capex per Share Full definition →	(0.50)	(0.46)	(1.16)	(0.17)	(0.25)	(0.36)	(0.16)	(0.54)	(0.17)	(0.40)
Free Cash Flow per Share Full definition →	2.51	1.78	1.59	1.86	0.88	4.55	5.75	5.61	5.60	1.88
Cash per Share Full definition →	4.09	10.17	5.45	13.15	10.57	4.15	5.86	7.36	11.85	6.31
Shareholders Equity per Share Full definition →	19.78	21.14	22.27	42.42	30.21	28.84	22.50	25.97	31.89	33.38
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	19.78	21.14	22.27	42.42	30.21	28.84	22.50	25.97	31.89	33.38
Free Cash Flow Full definition →	9.11	6.43	5.75	8.44	6.63	34.94	43.16	42.26	45.72	26.25
Working Capital Full definition →	(138.79)	(114.23)	(156.89)	(293.96)	(520.06)	(1,001.90)	(887.06)	(666.94)	(580.98)	(518.37)
Capital Expenditures Full definition →	(1.82)	(1.66)	(4.21)	(0.77)	(1.85)	(2.76)	(1.16)	(4.08)	(1.36)	(5.56)
Net Current Asset Value Full definition →	(154.17)	(137.23)	(165.15)	(333.34)	(537.56)	(1,094.61)	(986.10)	(925.96)	(829.70)	(863.54)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.06	0.06	0.13	0.02	0.02	0.03	0.01	0.04	0.01	0.02
Price to Operating Income Full definition →	9.46	9.38	10.42	16.41	12.27	7.68	7.60	8.95	8.53	7.98
Other line items
Depreciation/Fixed assets Full definition →	0.21	0.19	0.13	0.13	0.26	0.42	0.47	0.36	0.41	0.14
Cash ROIC Full definition →	9.22%	4.81%	5.45%	2.96%	2.08%	10.32%	14.48%	8.68%	8.05%	3.03%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.00	0.00	0.00	0.01	0.00	0.00	0.00	0.02	0.02	0.02
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	193,004.01	133,319.58	85,579.23	89,665.90	131,615.20	188,354.87	99,802.62	23,403.84	17,319.18	19,943.07
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	493.54	526.12	558.43	865.81	1,414.59	1,863.44	2,085.15	2,120.03	2,168.08	2,907.06
Average Assets Full definition →	587.56	626.96	658.54	1,028.34	1,652.74	2,143.01	2,376.30	2,481.31	2,649.97	3,566.90
Average Common Equity Full definition →	70.77	74.12	78.51	136.31	209.70	224.47	195.27	182.25	228.02	362.88

Show all line items

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