Saturday 17 October 2026
Export COFS’s income statement to Excel — free account
ChoiceOne Financial Services, Inc.
COFS Financial Banks Regional
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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| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
Piotroski F-Score |
7 | 5 | 6 | 7 |
+8 more TTM periods Free account |
| 11.97% | 12.44% | 7.76% | 6.16% | ||
| 1.25% | 1.28% | 0.79% | 0.61% | ||
ROIC |
5.66% | 6.93% | 4.67% | 4.60% | |
Return on Tangible Assets |
(12.97%) | (9.67%) | (5.99%) | (3.97%) | |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | |
Free Cash Flow per Share |
3.49 | 2.34 | 1.88 | 2.47 | |
Free Cash Flow |
52.25 | 35.03 | 26.25 | 37.07 | |
Capital Expenditures |
(6.85) | (6.00) | (5.56) | (4.10) | |
| Other line items | |||||
Cash ROIC |
5.71% | 4.45% | 3.03% | 4.66% | |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.02 | |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Average Days of Payables |
19,188.32 | 19,435.74 | 19,943.07 | 21,684.62 | |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | |
Tax Rate |
(0.18) | (0.19) | (0.18) | (0.18) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
40.90% | 40.32% | 45.85% | 46.70% | |
Share Based Compensation of Revenue |
0.44% | 0.41% | 0.39% | 0.40% | |
Operating CF/Net income |
1.08 | 0.74 | 1.13 | 1.92 | |
Depreciation/Fixed assets |
0.17 | 0.16 | 0.14 | 0.16 | |
Capex/Depreciation |
(0.79) | (0.77) | (0.82) | (0.55) | |
Revenue per Share |
16.06 | 16.13 | 16.33 | 13.53 | |
Operating CF per Share |
3.95 | 2.74 | 2.28 | 2.74 | |
Capex per Share |
(0.46) | (0.40) | (0.40) | (0.27) | |
Capex to Sales |
0.03 | 0.02 | 0.02 | 0.02 |
Columns are period end dates