Choiceone Financial Services IncCOFS
Price$32.87

Financial Snapshot

Revenue, profitability, returns, debt, and capital allocation

Revenue $20.9M+63.8% YoYTTM through 30 Jun 2026
Net Income $54.7M+104.7% YoYTTM through 30 Jun 2026
Free Cash Flow $51MTTM through 30 Jun 2026

Margins

Current
Operating Margin21.1%
Net Margin261.4%

Returns

7.0%ROE
0.7%ROA
8.3%ROIC

Balance Sheet Health

Debt / Equity0.55x
Net Debt$176.4M
Cash & Equivalents$88.6M

Quality Metrics

Piotroski F-Score5 / 9
FCF Margin243.8%
Earnings-Beat Rate100.0%

Multi-Year Trend

Revenue
'22'23'24'25
FY2025: $227.6M
Diluted EPS$3.78TTM
'19'20'21'22'23'24'25
FY2025: $2.01

Dividend

$0.58Per share, FY20263.83%Yield-9.2%5-yr growth

Capital Allocation

Capex Intensity38.5%
All values are periodic snapshots, not live quotes. Source dates are shown for reference.

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AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.