ChoiceOne Financial Services, Inc. (COFS)

NASDAQ: COFS · Real-Time Price · USD

33.83

-0.54 (-1.57%)

Jul 30, 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	172.36	146.92	91.81	80.64	81.14	79.42
Revenue Growth	58.01%	60.03%	13.85%	-0.61%	2.16%	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	190.40%	-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 & Equivalents	88.65	87.99	96.75	55.43	43.94	31.89
Total Debt	343.5	313.25	210.75	235.51	85.26	85.02
Net Cash (Debt)	-343.5	-313.25	-210.75	-235.51	-85.26	-85.02
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-22.79	-22.39	-25.64	-31.10	-11.33	-11.04

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 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	38.11	31.81	47.08	46.33	44.33	37.7
Capital Expenditures	-7.32	-6.63	-1.71	-4.23	-1.16	-2.76
Free Cash Flow	30.79	25.19	45.38	42.1	43.16	34.94
Free Cash Flow Growth	46.02%	-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
Pretax Margin	38.77%	23.27%	36.04%	31.70%	34.09%	33.36%
Profit Margin	31.75%	19.18%	29.11%	26.36%	29.14%	27.75%
FCF Margin	0.00%	17.14%	49.42%	52.21%	53.20%	43.99%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 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	3.43%	4.12%	3.10%	3.58%	3.48%	3.54%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 31, 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	9.48	14.69	10.97	10.39	9.21	9.26
Forward PE	9.20	8.37	9.56	10.62	-	-
P/FCF Ratio	15.00	17.58	7.04	5.25	5.05	5.74
PS Ratio	2.98	3.01	3.48	2.74	2.69	2.53