15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $228M | $28M | 0.0% | 0.0% | 6.1% | 0.6% | $25M | — | $88M |
| 2024 | $139M | $27M | 0.0% | 0.0% | 10.3% | 1.0% | $45M | — | $97M |
| 2023 | $114M | $21M | 0.0% | 0.0% | 10.9% | 0.8% | $42M | — | $55M |
| 2022 | $89M | $24M | 0.0% | 0.0% | 14.7% | 1.0% | $43M | — | $44M |
| 2021 | — | $22M | — | — | 9.9% | 0.9% | $35M | — | $32M |
| 2020 | — | $16M | — | — | 6.9% | 0.8% | $7M | — | $80M |
| 2019 | — | $7M | — | — | 3.7% | 0.5% | $8M | — | $60M |
| 2018 | — | $7M | — | — | 9.1% | 1.1% | $6M | — | $20M |
| 2017 | — | $6M | — | — | 8.1% | 1.0% | $6M | — | $37M |
| 2016 | — | $6M | — | — | 8.5% | 1.0% | $9M | — | $15M |
| 2015 | — | $6M | — | — | 8.2% | 1.0% | $3M | — | $11M |
| 2014 | — | $6M | — | — | 8.6% | 1.0% | $7M | — | $17M |
| 2013 | — | $5M | — | — | 8.3% | 1.0% | $10M | — | $20M |
| 2012 | — | $4M | — | — | 7.0% | 0.8% | $9M | — | $19M |
| 2011 | — | $4M | — | — | 6.1% | 0.7% | $12M | — | $17M |
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $59M | $12M | 0.0% | 0.0% | 2.6% | 0.3% | $27M | — | $89M |
| Mar '26 | $59M | $14M | 0.0% | 0.0% | 2.9% | 0.3% | -$2M | — | $84M |
| Dec '25 | $60M | $14M | 0.0% | 0.0% | 3.0% | 0.3% | $12M | — | $88M |
| Sep '25 | $62M | $15M | 0.0% | 0.0% | 3.3% | 0.3% | $14M | — | $99M |
| Jun '25 | $60M | $14M | 0.0% | 0.0% | 3.1% | 0.3% | $10M | — | $156M |
| Mar '25 | $45M | -$14M | 0.0% | 0.0% | -3.3% | -0.3% | -$10M | — | $139M |
| Dec '24 | $36M | $7M | 0.0% | 0.0% | 2.7% | 0.3% | $23M | — | $97M |
| Sep '24 | $37M | $7M | 0.0% | 0.0% | 3.0% | 0.3% | -$8M | — | $146M |
| Jun '24 | $34M | $7M | 0.0% | 0.0% | 3.1% | 0.2% | $15M | — | $101M |
| Mar '24 | $32M | $6M | 0.0% | 0.0% | 2.7% | 0.2% | $15M | — | $150M |
| Dec '23 | — | $5M | — | — | 2.7% | 0.2% | -$12M | — | $55M |
| Sep '23 | — | $5M | — | — | 2.8% | 0.2% | $31M | — | $145M |
| Jun '23 | — | $5M | — | — | 2.9% | 0.2% | $15M | — | $77M |
| Mar '23 | — | $6M | — | — | 3.3% | 0.2% | $8M | — | $55M |
| Dec '22 | — | $7M | — | — | 4.2% | 0.3% | $13M | — | $44M |
| Sep '22 | — | $6M | — | — | 3.7% | 0.2% | $9M | — | $51M |
| Jun '22 | — | $6M | — | — | 3.4% | 0.2% | $19M | — | $40M |
| Mar '22 | — | $6M | — | — | 2.9% | 0.2% | $2M | — | $90M |
| Dec '21 | — | $5M | — | — | 2.3% | 0.2% | $8M | — | $32M |
| Sep '21 | — | $6M | — | — | 2.6% | 0.3% | $12M | — | $60M |
How the market has priced COFS against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
Over the past 5 years, CHOICEONE FINANCIAL SERVICES INC's revenue has grown 36.7% per year, and net income grown 12.5% per year. These are computed facts, not advice.
As of FY2025, CHOICEONE FINANCIAL SERVICES INC reported — of total debt against $88M of cash.
In FY2025, gross margin was —, operating margin —, and net margin 12.4%.
As of Sep '26, CHOICEONE FINANCIAL SERVICES INC traded at a price-to-earnings ratio of about 18.0× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.