ChoiceOne Financial Services, Inc. (COFS)

COFS Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	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 Net Income Growth	54.72	28.18	26.73	21.26	23.64	22.04
Earnings Per Share EPS Growth	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

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

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	59.1	31.81	47.08	46.33	44.33	37.7
Capital Expenditures CapEx Growth	-8.05	-6.63	-1.71	-4.23	-1.16	-2.76
Free Cash Flow Free Cash Flow Growth	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

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 9, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	1.160	1.130	1.090	1.050	1.010	0.940
Dividend Per Share Growth	3.57%	3.67%	3.81%	3.96%	7.45%	14.63%
Dividend Yield	3.43%	3.90%	3.24%	3.94%	3.99%	4.25%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 9, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	9.32	15.74	11.95	10.40	9.22	9.10
Forward PE	9.20	8.37	9.56	10.62	-	-
P/FCF Ratio	9.91	17.61	7.04	5.25	5.05	5.74
PS Ratio	2.98	3.03	3.50	2.74	2.70	2.53

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 9, 2026

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