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ChoiceOne Financial Services, Inc. (COFS)
Financial Services · Banks - Regional · NasdaqCM
ChoiceOne Financial Services, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $81.39M | $80.79M | $92.44M | $161.74M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $6.09M | $6.17M | $7.33M | $7.17M | $15.61M | $22.04M | $23.64M | $21.26M | $26.73M | $28.18M |
| Net margin | — | — | — | — | — | — | 29.0% | 26.3% | 28.9% | 17.4% |
Source: ChoiceOne Financial Services, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into COFS stock?
At today's market cap of $485.04M, ChoiceOne Financial Services, Inc. is priced for free-cash-flow growth of about 7.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $25.19M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 30.6%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of ChoiceOne Financial Services, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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ChoiceOne Financial Services, Inc. financial history by metric
About ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
ChoiceOne Financial Services, Inc. — frequently asked questions
What is ChoiceOne Financial Services, Inc.'s revenue?
ChoiceOne Financial Services, Inc. (COFS) reported revenue of $161.74M for fiscal year 2025, up 75.0% from the prior year, according to its SEC filings.
Is ChoiceOne Financial Services, Inc. profitable?
Yes. COFS earned net income of $28.18M in fiscal 2025, a net margin of 17.4%.
What is COFS's P/E ratio?
ChoiceOne Financial Services, Inc. trades at a price-to-earnings ratio of about 7.7 based on the latest data in our nightly-refreshed cache.
How much debt does ChoiceOne Financial Services, Inc. have?
As of fiscal year 2025, COFS carried roughly $313.46M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is ChoiceOne Financial Services, Inc.'s market cap?
ChoiceOne Financial Services, Inc. (COFS) has a market capitalization of about $485.04M, based on the latest data in our nightly-refreshed cache.
When does ChoiceOne Financial Services, Inc.'s fiscal year end?
COFS's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into COFS stock?
At today's market cap of $485.04M, ChoiceOne Financial Services, Inc. is priced for free-cash-flow growth of about 7.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $25.19M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 30.6%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from ChoiceOne Financial Services, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.