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%.
CHOICEONE FINANCIAL SERVICES INC's P/E (TTM) is 9.92 as of the 2026-11-03 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the COFS stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 19.3× as of Nov '26) can differ. 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), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.