Pricing Log in Create free account
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

Insider Decisions trades per month

Total buys 0.40
Total sells 0.44
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — 2 4 — — — — — — —
Sell — — — 1 — — — — — — — —
Insider Ownership 6.97%

Capital & Financial Ratios $m

Market Cap 492.34
Revenue 240.29
Net Income 54.72
Free Cash Flow 52.25
Net Debt 254.85
Current Ratio 0.87
Debt/Equity 0.71
P/E ratio 9.11
Fwd P/E 8.83
P/S ratio 2.06
P/B ratio 1.03
Past 5Y EPS Growth (0.59%) (below 0%: weak)
This Y EPS Growth 0.54%
Next Y EPS Growth 0.63%
Next Y revenue growth (23.21%) (below 0%: weak)
Next 5Y EPS Growth 2.37%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 23.22%
10-year low 10-year high
P/S against its own 10 years 28.82%
10-year low 10-year high
P/B against its own 10 years 52.45%
10-year low 10-year high

Dividends

Payout Ratio 0.32
Annual Dividend Rate 1.16
Annual Dividend Yield 3.50%
total individual payouts
2027 Powerpack
2026 1.17
0.29
0.29
0.29
2025 1.13
0.28
0.28
0.28
0.29
2024 1.09
0.27
0.27
0.27
0.28
2023 1.05
0.26
0.26
0.26
0.27
2022 1.01
0.25
0.25
0.25
0.26
2021 0.94
0.22
0.22
0.25
0.25
2020 0.82
0.20
0.20
0.20
0.22
2019 0.80
0.20
0.20
0.20
0.20
2018 0.71
0.17
0.18
0.18
0.18
2017 0.64
0.15
0.16
0.16
0.16
2016 0.62
0.15
0.15
0.15
0.15
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 55 97 88 89
Receivables — — — —
Inventory — — — —
Other — — — —
1,455 1,633 3,082 3,130
2023 2024 2025 Q'26
Payables 2,122 2,214 3,600 3,602
ST’ Debt — — — —
Other — — — —
2,122 2,214 3,600 3,602

Compound Annual Growth %

10y 5y 3y
Sales 23.74% 23.76% 36.69%
Cash Flow 23.11% 30.28% (10.47%)
Earnings 17.24% 12.53% 6.03%
Book Value 20.88% 15.41% 40.20%

Revenue $m

Mar Jun Sep Dec Year
’26 59 59 — — —
’25 45 60 62 60 228
’24 32 34 37 36 139
’23 25 27 30 32 114
’22 21 21 22 24 89
’21 21 20 21 21 84
’20 17 20 21 21 78
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 0 30 — — —
’25 (9) 12 15 14 32
’24 15 16 (7) 23 47
’23 9 16 32 (11) 46
’22 3 20 10 12 44
’21 2 15 12 8 38
’20 (2) (3) (15) 29 8
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) 28 — — —
’25 (10) 10 14 12 26
’24 15 15 (8) 23 46
’23 8 15 31 (12) 42
’22 2 19 9 12 43
’21 1 15 12 8 35
’20 (3) (3) (16) 28 7
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 0.91 0.83 — — —
’25 (1.29) 0.90 0.97 0.92 2.01
’24 0.74 0.87 0.86 0.79 3.25
’23 0.75 0.69 0.68 0.70 2.82
’22 0.74 0.75 0.77 0.89 3.15
’21 0.80 0.65 0.75 0.66 2.86
’20 0.45 0.61 0.49 0.52 2.07
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 19.37 20.41 21.39 24.50 16.86 22.76 19.20 15.84 21.52 24.89

Analyst estimates 2026–2028

Powerpack
High 21.77 22.95 29.99 32.99 34.00 31.45 29.99 32.14 38.15 36.26
People
People Employees 160 173 174 339 359 386 402 389 392 598
Revenue/emp, $m 0.18 0.17 0.18 0.12 0.22 0.22 0.22 0.29 0.35 0.38
Income, $m
Income, $m Revenue 28 30 31 42 78 84 89 114 139 228
Gross margin, % 96.56 95.05 92.17 88.71 94.08 95.25 91.31 70.94 66.45 71.05
EBT 8 9 8 8 19 26 28 26 33 34
EBT margin, % 29.27 28.66 26.99 20.33 24.08 31.62 31.03 22.45 23.79 15.02
Net income 6 6 7 7 16 22 24 21 27 28
Depreciation 3 2 2 3 8 12 13 11 11 7
Per share, $
Per share, $ Revenue 7.78 8.24 8.70 9.19 10.42 10.91 11.88 15.12 17.03 16.33
Earnings 1.68 1.70 2.03 1.58 2.08 2.87 3.15 2.82 3.27 2.02
Cash flow 3.02 2.23 2.75 2.03 1.13 4.91 5.91 6.15 5.77 2.28
Capex (0.50) (0.46) (1.16) (0.17) (0.25) (0.36) (0.16) (0.54) (0.17) (0.40)
Free cash flow 2.51 1.78 1.59 1.86 0.88 4.55 5.75 5.61 5.60 1.88
Book value 19.78 21.14 22.27 42.42 30.21 28.84 22.50 25.97 31.89 33.38
Shares, m 4 4 4 5 8 8 8 8 8 14
Valuation, ×
Valuation, × P/E 12.82 13.31 12.32 20.18 14.81 9.23 8.90 10.77 10.87 19.68
P/S 2.77 2.75 2.87 3.48 2.96 2.43 2.36 2.01 2.09 1.81
P/B 1.09 1.07 1.12 0.75 1.02 0.92 1.25 1.17 1.12 0.88
EV/Sales 2.68 2.19 2.41 2.84 2.10 3.06 2.82 3.59 2.91 2.80
EV/FCF 8.30 10.18 13.20 14.03 24.85 7.35 5.83 9.68 8.86 24.26
Cash, $m
Cash, $m Operating cash flow 11 8 10 9 8 38 44 46 47 32
Capex (2) (2) (4) (1) (2) (3) (1) (4) (1) (6)
Free cash flow 9 6 6 8 7 35 43 42 46 26
Balance, $m
Balance, $m Working capital (139) (114) (157) (294) (520) (1,002) (887) (667) (581) (518)
Total debt 12 20 5 33 12 85 85 236 211 313
Net debt (3) (17) (14) (26) (67) 53 41 180 114 225
Shareholders’ equity 72 77 80 192 227 222 169 196 260 465
Returns, %
Returns, % ROA 1.04 0.98 1.11 0.70 0.94 1.03 0.99 0.86 1.01 0.79
ROIC 7.45 8.91 8.04 3.19 7.37 6.03 8.22 4.25 5.70 4.67
ROE 8.61 8.32 9.34 5.26 7.45 9.82 12.11 11.67 11.72 7.76
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

ChoiceOne Financial Services, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BSVN Bank7 Corp. $528.6M 13.1× 10.1× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $519.5M 12.1× 9.9× +9.58% (above 0%: growing) +33.62% (above 0%: growing) +64.68% (above 0%: growing) 59.05% 0.00% Compare
HBCP Home Bancorp, Inc. $518.5M 10.9× 11.0× +1.51% (above 0%: growing) +1.36% (above 0%: growing) +15.46% (above 0%: growing) 74.76% 0.00% Compare
BSRR Sierra Bancorp $507.5M 11.6× 10.5× −3.43% (below 0%: shrinking) −1.28% (below 0%: shrinking) +114.97% (above 0%: growing) 78.74% 0.00% Compare
WTBA West Bancorporation, Inc. $493.3M 12.9× 9.3× +1.39% (above 0%: growing) +38.30% (above 0%: growing) +10.26% (above 0%: growing) 55.06% 0.00% Compare
OBT Orange County Bancorp, Inc. $492.5M 10.5× 10.3× −16.27% (below 0%: shrinking) +17.24% (above 0%: growing) +491.65% (above 0%: growing) 81.95% 0.00% Compare
COFS ChoiceOne Financial Services, Inc. $492.3M 9.1× 8.8× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00%
PDLB Ponce Financial Group, Inc. $488.1M 14.2× 1.8× +10.97% (above 0%: growing) +38.46% (above 0%: growing) +35.79% (above 0%: growing) 59.40% 0.00% Compare
FMAO Farmers & Merchants Bancorp Inc. $483.7M 12.2× 10.0× +7.70% (above 0%: growing) +53.57% (above 0%: growing) +2,792.25% (above 0%: growing) 67.25% 0.00% Compare
Median of peers $500.4M 12.2× 10.0× +1.45% +25.43% +50.24% 69.50% 0.00%

All 323 Banks Regional stocks →

ChoiceOne Financial Services, Inc. (COFS) key facts

  • Strength: ChoiceOne Financial Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $227.6 million, up 63.6% from fiscal 2024.
  • ChoiceOne Financial Services, Inc. (COFS) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, COFS traded at $33.15, a market capitalization of $492.3 million.
  • ChoiceOne Financial Services, Inc. pays an annual dividend of $1.16 per share, a yield of 3.50%, with a payout ratio of 32.0%.
  • Return on equity was 7.76% and debt-to-equity 0.71.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

ChoiceOne Financial Services, Inc. (COFS) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/COFS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com