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

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

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Columns are period end dates

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