ChoiceOne Financial Services, Inc. (COFS)

NASDAQ: COFS · Real-Time Price · USD

33.23

-0.80 (-2.37%)

Aug 19, 2026, 4:00 PM EDT - Market closed

COFS Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	169.92	146.62	91.11	80.64	80.86	79.42
Revenue Growth	56.78%	60.92%	12.98%	-0.27%	1.82%	13.83%
Net Income	54.72	28.18	26.73	21.26	23.64	22.04
Earnings Per Share	3.63	2.01	3.25	2.82	3.15	2.86
EPS Growth	179.71%	-38.15%	15.25%	-10.48%	10.14%	38.16%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	90.18	98.25	121.09	64.31	53.15	31.89
Total Debt	344.34	317.92	211.44	235.51	91.09	85.02
Net Cash (Debt)	-254.16	-219.67	-90.35	-171.19	-37.94	-53.13
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-16.88	-15.70	-10.99	-22.61	-5.04	-6.90

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	59.1	31.81	47.08	46.33	44.33	37.7
Capital Expenditures	-8.05	-6.63	-1.71	-4.23	-1.16	-2.76
Free Cash Flow	51.04	25.19	45.38	42.1	43.16	34.94
Free Cash Flow Growth	247.34%	-44.49%	7.78%	-2.46%	23.54%	427.32%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	32.20%	19.22%	29.33%	26.36%	29.23%	27.75%
FCF Margin	30.04%	17.18%	49.80%	52.20%	53.38%	43.99%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.160	1.130	1.090	1.050	1.010	0.940
Dividend Per Share Growth	3.60%	3.67%	3.81%	3.96%	7.45%	14.63%
Dividend Yield	3.49%	3.90%	3.24%	3.94%	3.99%	4.25%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	9.16	15.74	11.95	10.40	9.22	9.10
Forward PE	9.04	8.37	9.56	10.62	-	-
P/FCF Ratio	9.74	17.61	7.04	5.25	5.05	5.74
PS Ratio	2.92	3.03	3.50	2.74	2.70	2.53