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%
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
Jun '26 Mar '26 Dec '25 Sep '25 Older periods
Piotroski F-Score
7 5 6 7

+8 more TTM periods

ROE
11.97% 12.44% 7.76% 6.16%
ROA
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

Fold the line items

Columns are period end dates