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CHOICEONE FINANCIAL SERVICES INC COFS
Nasdaq · stock · State Commercial Banks · website · IPO 2001-06-21
CHOICEONE FINANCIAL SERVICES INC financials (annual)
Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $227.6M | $139.1M | $113.9M | $89.1M | — | — | — | — | — | — |
| Interest expense | — | — | $33.1M | $7.7M | $4.0M | $4.6M | $4.7M | $2.5M | $1.5M | $969,000 |
| Income tax | $6.0M | $6.4M | $4.3M | $4.0M | $4.5M | $3.3M | $1.3M | $1.2M | $2.4M | $2.2M |
| Net income | $28.2M | $26.7M | $21.3M | $23.6M | $22.0M | $15.6M | $7.2M | $7.3M | $6.2M | $6.1M |
| EPS (diluted) | $2.01 | $3.25 | $2.82 | $3.15 | $2.86 | $2.07 | $1.58 | $2.02 | $1.70 | $1.68 |
| Operating cash flow | $31.8M | $47.1M | $46.3M | $44.3M | $37.7M | $8.5M | $9.2M | $10.0M | $8.1M | $10.9M |
| Free cash flow | $25.2M | $45.4M | $42.1M | $43.2M | $34.9M | $6.6M | $8.4M | $5.7M | $6.4M | $9.1M |
| Cash & equivalents | $88.0M | $96.8M | $55.4M | $43.9M | $31.9M | $79.5M | $59.6M | $19.7M | $36.8M | $14.8M |
| Total assets | $4.4B | $2.7B | $2.6B | $2.4B | $2.4B | $1.9B | $1.4B | $670.5M | $646.5M | $607.4M |
| Total liabilities | $3.9B | $2.5B | $2.4B | $2.2B | $2.1B | $1.7B | $1.2B | $590.1M | $570.0M | $535.7M |
| Shareholders' equity | $465.4M | $260.4M | $195.6M | $160.8M | $221.7M | $227.3M | $192.1M | $80.5M | $76.5M | $71.7M |
Growth · year-over-year · Revenue CAGR 36.7%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +63.6% | +22.1% | +27.8% | — | — | — | — | — | — | — |
| Net income growth | +5.4% | +25.7% | -10.1% | +7.2% | +41.2% | +117.7% | -2.2% | +18.9% | +1.3% | +6.0% |
| EPS growth | -38.2% | +15.2% | -10.5% | +10.1% | +38.2% | +31.0% | -21.8% | +18.8% | +1.2% | +1.2% |
| Free cash flow growth | -44.5% | +7.8% | -2.5% | +23.5% | +427.3% | -21.5% | +46.8% | -10.7% | -29.4% | +209.8% |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.