COFS
Choiceone Financial Services Inc
$33.56
+0.67 (+2.04%)
At close · Jul 15
Market Cap
$502.71M
Shares
14,975,035
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$227.62M
+63.6%
FY2025
Net Income
$28.18M
+5.4%
FY2025
Diluted EPS
$2.01
-38.2%
FY2025
Operating Cash Flow
$31.81M
-32.4%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | FY2010 | FY2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $241.83M | $227.62M | $139.1M | $113.89M | $89.13M | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $216.27M | $202.96M | $121.1M | $98.98M | $75.06M | $64.62M | $55.72M | $32.47M | $24.53M | $22.04M | $20.31M | $19.35M | $19.01M | $19.02M | $20.22M | $21.48M | $21.96M | $23.09M | |
| $147.4M | $137.07M | $74.44M | $65.89M | $67.31M | $60.64M | $51.07M | $27.77M | $22.06M | $20.56M | $19.34M | $18.36M | $17.86M | $17.6M | $17.68M | $17.92M | $17M | $16M | |
| $25.56M | $24.67M | $18M | $14.91M | $14.07M | $19.19M | $22.7M | $9.17M | $6.92M | $7.81M | $7.88M | $7.7M | $6.8M | $6.25M | $6.89M | $6.14M | $5.57M | $5.42M | |
| $6.83M | $5.82M | $757K | $955K | $1.15M | $1.31M | $1.5M | $353K | $0 | — | $379K | $448K | $448K | $448K | $448K | $448K | $448K | $469K | |
| $45.02M | — | — | $33.1M | $7.75M | $3.98M | $4.64M | $4.7M | $2.46M | $1.48M | $969K | $990K | $1.15M | $1.42M | $2.54M | $3.55M | $4.97M | $7.09M | |
| $68.46M | $34.19M | $33.09M | $25.57M | $27.66M | $26.5M | $18.89M | $8.47M | $8.49M | $8.56M | $8.25M | $7.69M | $7.77M | $6.88M | $5.61M | $4.57M | $3.37M | $1.28M | |
| $12.68M | $6.01M | $6.36M | $4.31M | $4.02M | $4.46M | $3.27M | $1.29M | $1.16M | $2.39M | $2.16M | $1.95M | $2.08M | $1.78M | $1.34M | $1.06M | $654K | -$195K | |
| $55.79M | $28.18M | $26.73M | $21.26M | $23.64M | $22.04M | $15.61M | $7.17M | $7.33M | $6.17M | $6.09M | $5.74M | $5.7M | $5.09M | $4.26M | $3.51M | $2.71M | $1.48M | |
| — | 12.38% | 19.21% | 18.67% | 26.52% | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| $55.79M | $28.18M | $26.73M | $21.26M | $23.64M | $22.04M | $15.61M | $7.17M | $7.33M | $6.17M | $6.09M | $5.74M | — | — | — | — | — | — | |
| $60.6M | $30.28M | $40.53M | $41.48M | -$45.58M | $8.44M | $25.16M | $9.38M | $6.61M | $6.96M | $4.29M | $5.87M | $6.62M | $2.89M | $4.2M | $5.03M | $2.82M | $2.15M | |
| USD/shares | — | $2.02 | $3.27 | $2.82 | $3.15 | $2.87 | $2.08 | $1.58 | $2.03 | $1.70 | $1.68 | $1.67 | $1.73 | $1.55 | $1.29 | $1.07 | $0.83 | $0.45 |
| USD/shares | — | $2.01 | $3.25 | $2.82 | $3.15 | $2.86 | $2.07 | $1.58 | $2.02 | $1.70 | $1.68 | $1.66 | $1.72 | $1.54 | $1.29 | $1.07 | $0.83 | $0.45 |
| shares | — | 13.94M | 8.17M | 7.53M | 7.5M | 7.69M | 7.52M | 4.53M | 3.61M | 3.62M | 3.62M | 3.45M | 3.3M | 3.3M | 3.3M | 3.29M | 3.27M | — |
| shares | — | 13.99M | 8.22M | 7.57M | 7.53M | 7.7M | 7.53M | 4.54M | 3.63M | 3.63M | 3.62M | 3.45M | 3.31M | 3.3M | 3.3M | 3.29M | 3.27M | — |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2009–FY2025: $13.58M in buybacks, $80.03M in dividends.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
EV/EBIT
—
P/E (TTM)
7.97×
Banks - Regional median 13.04×
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Product & Service (USD)
| Component | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Interchange Income | $7,811,000 | $5,797,000 |
| Customer Service Charges | $5,994,000 | $4,774,000 |
| Trust Fee Income | $2,525,000 | $906,000 |
| Insurance and Investment Commission Income | $1,912,000 | $742,000 |
| Other Charges and Fees for Customer Services | $751,000 | $562,000 |