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

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	20.99	19.68	7.58	9.34
P/S ratio Full definition →		2.14	1.81	1.74	2.12
P/FCF ratio Full definition →		11.73	15.68	12.03	9.74
P/Operating CF Full definition →		28.43	29.32	(2,381.46)	16.99
P/B ratio Full definition →		0.97	0.88	0.90	1.05
Price to Tangible BV Full definition →		1.49	1.35	1.36	1.57
EV/Sales Full definition →		2.86	2.80	2.36	3.18
EV/EBITDA Full definition →		0.00	0.00	0.00	0.00
EV/Operating CF Full definition →		14.14	20.02	13.91	12.92
EV/FCF Full definition →		15.70	24.26	16.29	14.62
Quick Ratio Full definition →		0.03	0.02	0.02	0.02
Current Ratio Full definition →		0.84	0.86	0.83	0.87
Net Debt/EBITDA Full definition →		0.00	0.00	0.00	0.00
Debt/Assets Full definition →		5.73%	7.10%	5.31%	7.71%
Debt/Equity Full definition →		0.55	0.67	0.50	0.71
Asset Turnover Full definition →		0.06	0.06	0.06	0.05
Operating CF/Net income Full definition →		1.04	1.01	(0.01)	2.40
Capex/Depreciation Full definition →		(0.79)	(0.79)	(0.27)	11.98
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		39.92%	40.46%	40.77%	42.50%
Intangible Assets out of Total Assets Full definition →		0.04	0.04	0.04	0.04
Share Based Compensation of Revenue Full definition →		0.39%	0.43%	0.50%	0.45%
Graham Net Nets Full definition →		(1.99)	(2.10)	(2.09)	(1.66)
Graham Number Full definition →		30.49	33.56	51.16	51.40
Earnings Yield Full definition →		4.77%	5.08%	13.19%	10.71%
Free Cash Flow Yield Full definition →		8.53%	6.38%	8.31%	10.27%
Revenue per Share Full definition →		4.12	4.34	3.94	3.94
Operating CF per Share Full definition →		1.02	1.01	(0.01)	2.00
Capex per Share Full definition →		(0.10)	(0.13)	(0.09)	(0.15)
Free Cash Flow per Share Full definition →		0.92	0.88	(0.10)	1.85
Cash per Share Full definition →		6.59	6.31	5.62	5.92
Shareholders Equity per Share Full definition →		29.94	33.38	31.35	32.26
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		29.94	33.38	31.35	32.26
Free Cash Flow Full definition →		13.80	12.25	(1.45)	27.64
Working Capital Full definition →		(586.56)	(518.37)	(625.40)	(472.31)
Capital Expenditures Full definition →		(1.49)	(1.78)	(1.28)	(2.30)
Net Current Asset Value Full definition →		(866.81)	(863.54)	(882.57)	(844.68)
EV/EBIT Full definition →		0.00	0.00	0.00	0.00
Capex to Sales Full definition →		0.02	0.03	0.02	0.04
Price to Operating Income Full definition →		9.89	7.98	6.14	7.61
Other line items
Average Payables Full definition →		2,887.63	2,907.06	3,659.56	3,597.23
Average Assets Full definition →		3,511.45	3,566.90	4,349.98	4,383.57
Average Common Equity Full definition →		348.68	362.88	448.53	457.22

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Columns are period end dates

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