Saturday 17 October 2026 Export COFS’s income statement to Excel — free account

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

Fold the line items

Columns are period end dates

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