Choiceone Financial Services Inc
COFS Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$34.60
KIRA · Stoqly’s AI analyst, in plain words
- Choiceone Financial Services Inc had $228M of revenue in fiscal 2025, up 63.6% on the year before. Over five years, revenue changed +25.3% a year on average.
- Choiceone Financial Services Inc made $28.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 2.0% a year.
- Choiceone Financial Services Inc returned $19.6M to shareholders in fiscal 2025, 78% of free cash flow. The diluted share count rose 70.2%.
- It earned 7.8% on shareholders’ money. Running costs took 49.5% of revenue (the efficiency ratio; lower is better).
Market cap
$519M
P/E
8.4x
Revenue
$228M
Net income
$28.2M
Return on equity
7.8%
Efficiency ratio
49.5%
Choiceone Financial Services Inc in 30 seconds · fiscal 2025
Are sales growing?
+63.6%
Yes. Sales grew 63.6% last year.
Does it make a profit?
12.4%
Yes. It keeps 12.4% of every sale as profit.
How lean are its costs?
49.5%
Lean. Running costs take 49.5% of revenue.
How much does it earn on its capital?
7.8%
Low. It earns 7.8% a year on shareholders’ money.
How is the share priced?
8.4x
One share costs 8.4 times its yearly profit per share.
What Choiceone Financial Services Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- CHOICEONE FINANCIAL SERVICES INC
- CIK
- 0000803164
Choiceone Financial Services Inc · COFS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $79.8M | $89.1M | $114M | $139M | $228M |
| Revenue growth | 8.2% | 11.6% | 27.8% | 22.1% | 63.6% |
| Net interest income | $60.6M | $67.3M | $65.9M | $74.4M | $137M |
| Net income | $22.0M | $23.6M | $21.3M | $26.7M | $28.2M |
| Net margin | 27.6% | 26.5% | 18.7% | 19.2% | 12.4% |
| Diluted EPS | $2.86 | $3.15 | $2.82 | $3.25 | $2.01 |
| Cash | |||||
| Cash from operations | $37.7M | $44.3M | $46.3M | $47.1M | $31.8M |
| Capital expenditure | $2.8M | $1.2M | $4.2M | $1.7M | $6.6M |
| Free cash flow | $34.9M | $43.2M | $42.1M | $45.4M | $25.2M |
| FCF margin | 43.8% | 48.4% | 37.0% | 32.6% | 11.1% |
| Dividends paid | $7.2M | $7.6M | $7.9M | $9.0M | $16.9M |
| Share buybacks | $7.8M | $0.7M | $0.0M | $0.0M | $2.7M |
| Share count change | 2.3% | −2.3% | 0.6% | 8.6% | 70.2% |
| Debt and strength | |||||
| Cash and short-term investments | $31.9M | $43.9M | $55.4M | $96.8M | $88.0M |
| Loans, net | $1.0B | $1.2B | $1.4B | — | — |
| Deposits | $2.1B | $2.1B | $2.1B | $2.2B | $3.6B |
| Shareholders' equity | $222M | $161M | $196M | $260M | $465M |
| Returns and quality | |||||
| Return on equity | 9.8% | 12.4% | 11.9% | 11.7% | 7.8% |
| Return on tangible equity | 13.6% | 23.4% | 15.9% | 13.4% | 9.3% |
| Efficiency ratio | 66.3% | 60.0% | 48.4% | 42.2% | 49.5% |
Insiders bought, 12 months
$0.4M
5 insiders
Insiders sold, 12 months
$0.4M
1 insider
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Choiceone Financial Services Inc · COFS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $34.60 a share, the company is worth $519M: 8.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000803164). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.