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Choiceone Financial Services Inc (COFS)

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SEC name CHOICEONE FINANCIAL SERVICES INC · CIK 0000803164 · Nasdaq · State Commercial Banks

  • Sector Finance & Real Estate
  • Incorporated MI
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, Choiceone Financial Services Inc reported revenue of $227.62M. Revenue grew 63.6% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $240.28M.

Key ratios (year ended 2025-12-31)

12.4%
Net margin
6.1%
Return on year-end equity
63.6%
Revenue growth (YoY)

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Latest selected filing: Form 4 (ownership change) · 2026-10-02

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$240.28M$227.62M$139.10M$113.89M$89.13Mn/an/an/an/an/an/a
Net Income$54.72M$28.18M$26.73M$21.26M$23.64M$22.04M$15.61M$7.17M$7.33M$6.17M$6.09M
EPS (Diluted)n/a$2.01$3.25$2.82$3.15$2.86$2.07$1.58$2.02$1.70$1.68
Total Assets$4.46B$4.41B$2.72B$2.58B$2.39B$2.37B$1.92B$1.39B$670.54M$646.54M$607.37M
Total Liabilities$3.97B$3.95B$2.46B$2.38B$2.22B$2.15B$1.69B$1.19B$590.07M$569.99M$535.67M
Shareholders' Equity$482.68M$465.35M$260.42M$195.63M$168.87M$221.67M$227.27M$192.14M$80.48M$76.55M$71.70M
Cash & Equivalents$88.65M$87.99M$96.75M$55.43M$43.94M$31.89M$79.52M$59.56M$19.69M$36.84M$14.81M
Operating Cash Flow$59.09M$31.81M$47.08M$46.33M$44.33M$37.70M$8.48M$9.20M$9.96M$8.09M$10.93M
Capital Expenditures$8.05M$6.63M$1.71M$4.23M$1.16M$2.76M$1.85M$766.0K$4.21M$1.66M$1.82M
Free Cash Flow$51.04M$25.19M$45.38M$42.10M$43.16M$34.94M$6.63M$8.44M$5.75M$6.43M$9.11M
Share Repurchases$5.20M$2.68M$0$0$682.0K$7.79M$0$67.0K$523.0K$203.0K$794.0K
Dividends Paid$17.23M$16.95M$9.01M$7.91M$7.58M$7.20M$6.17M$5.82M$2.58M$2.32M$2.23M
Shares Outstanding14.95M15.00M8.97M7.55M7.52M7.51M7.80M7.25M3.62M3.45M3.28M
Dividends Per Sharen/a$1.13$1.09$1.05$1.01$0.94$0.82$1.40$0.71$0.64$0.62
Weighted Average Diluted Sharesn/a13.99M8.22M7.57M7.53M7.70M7.53M4.54M3.63M3.63M3.62M
EPS (Basic)n/a$2.02$3.27$2.82$3.15$2.87$2.08$1.58$2.03$1.70$1.68

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