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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%
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

ChoiceOne Financial Services, Inc. (COFS) P/E ratio

Alert me on P/E ratio

As of 16 October 2026, ChoiceOne Financial Services, Inc. (COFS) trades at a P/E ratio of 9.1×. Over the past ten years it has ranged from 5.4× (October 2023) to 24.8× (May 2025); the current reading is higher than 23% of that period. That is below the Banks Regional industry median of 12.0× and below the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 19.7× 81.12%
FY2024 10.9× 0.90%
FY2023 10.8× 21.07%
FY2022 8.9× (3.63%)
FY2021 9.2× (37.69%)
FY2020 14.8× (26.61%)
FY2019 20.2× 63.81%
FY2018 12.3× (7.41%)
FY2017 13.3× 3.82%
FY2016 12.8× (1.28%)

Quarterly newest first

Period P/E ratio Change
Jun 2026 9.3× 23.24%
Mar 2026 7.6× (61.49%)
Dec 2025 19.7× (6.22%)
Sep 2025 21.0× (7.87%)
42 more quarters

Against its own ten years

Low 5.4× High 24.8×
Ten-year median 12.6×
Current reading's percentile 23

P/E ratio against peers

Company P/E ratio
COFS ChoiceOne Financial Services, Inc. 9.1×
OBT Orange County Bancorp, Inc. compare 10.5×
HBCP Home Bancorp, Inc. compare 10.9×
BSRR Sierra Bancorp compare 11.6×
BWFG Bankwell Financial Group, Inc. compare 12.1×
FMAO Farmers & Merchants Bancorp Inc. compare 12.2×
WTBA West Bancorporation, Inc. compare 12.9×
BSVN Bank7 Corp. compare 13.1×
PDLB Ponce Financial Group, Inc. compare 14.2×
Banks Regional industry median 12.0×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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