ChoiceOne Financial Services, Inc. financials
Source: EDGAR filings · Built 2026-06-02T02:42:31Z
Key metrics by reporting period
Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.
Derived Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Free Cash Flow | 25.19M | 45.38M | 42.10M | 43.16M | 34.94M | 6.63M |
| Net Debt | -85.13M | -96.13M | -54.72M | — | — | — |
| Net Margin | 12.38% | 19.21% | 18.67% | 26.52% | — | — |
| Return on Equity (ROE) | 6.05% | 10.26% | 10.87% | 14.70% | 9.94% | 6.87% |
| Return on Assets (ROA) | 0.64% | 0.98% | 0.83% | 0.99% | 0.93% | 0.81% |
| Debt-to-Equity | 0.01× | 0.00× | 0.00× | — | — | — |
| Effective Tax Rate | 17.59% | 19.23% | 16.84% | 14.53% | 16.82% | 17.33% |
| Cash Conversion Ratio | 1.13× | 1.76× | 2.18× | 1.88× | 1.71× | 0.54× |
| Accruals Ratio | -0.00× | -0.01× | -0.01× | -0.01× | -0.01× | 0.00× |
| SBC % of Revenue | 0.39% | 0.52% | 0.88% | 1.07% | — | — |
| CapEx Coverage | 4.80× | 27.60× | 10.94× | 38.08× | 13.66× | 4.58× |
| Free Cash Flow Per Share | $1.80 | $5.52 | $5.56 | $5.73 | $4.54 | $0.88 |
Valuation Metrics
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 14.69× | 10.97× | 10.39× | 9.21× | 9.26× | 14.88× |
| P/FCF | 16.40× | 6.46× | 5.27× | 5.06× | 5.84× | 35.02× |
| FCF Yield | 6.10% | 15.49% | 18.97% | 19.77% | 17.12% | 2.86% |
| P/S | 1.95× | 2.30× | 1.94× | 2.45× | — | — |
| P/B | 0.95× | 1.23× | 1.13× | 1.36× | 0.90× | 1.06× |
Income Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenues | 227.62M | 139.10M | 113.89M | 89.13M | — | — |
| Income Tax Expense (Benefit) | 6.01M | 6.36M | 4.31M | 4.02M | 4.46M | 3.27M |
| Net Income (Loss) Attributable to Parent | 28.18M | 26.73M | 21.26M | 23.64M | 22.04M | 15.61M |
| Earnings Per Share, Basic | $2.02 | $3.27 | $2.82 | $3.15 | $2.87 | $2.08 |
| Weighted Average Number of Shares Outstanding, Basic | 13.94M | 8.17M | 7.53M | 7.50M | 7.69M | 7.52M |
| Earnings Per Share, Diluted | $2.01 | $3.25 | $2.82 | $3.15 | $2.86 | $2.07 |
| Weighted Average Number of Shares Outstanding, Diluted | 13.99M | 8.22M | 7.57M | 7.53M | 7.70M | 7.53M |
Balance Sheet
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 87.99M | 96.75M | 55.43M | 43.94M | 31.89M | 79.52M |
| Assets | 4.41B | 2.72B | 2.58B | 2.39B | 2.37B | 1.92B |
| Liabilities | 3.95B | 2.46B | 2.38B | 2.22B | 2.15B | 1.69B |
| Stockholders' Equity Attributable to Parent | 465.35M | 260.42M | 195.63M | 160.83M | 221.67M | 227.27M |
| Common Stock, Shares, Outstanding | 15.00M | 8.97M | 7.55M | 7.52M | 7.51M | 7.80M |
Cash Flow Statement
| Concept | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | 31.81M | 47.08M | 46.33M | 44.33M | 37.70M | 8.48M |
| Payments to Acquire Property, Plant, and Equipment | 6.63M | 1.71M | 4.23M | 1.16M | 2.76M | 1.85M |
| Net Cash Provided by (Used in) Investing Activities | 106.69M | -96.34M | -181.22M | -89.81M | -521.37M | -250.75M |
| Payments for Repurchase of Common Stock | 2.68M | 0 | 0 | 682.00K | 7.79M | 0 |
| Payments of Dividends | 16.95M | 9.01M | 7.91M | 7.58M | 7.20M | 6.17M |
| Net Cash Provided by (Used in) Financing Activities | -147.26M | 90.58M | 146.37M | 57.54M | 436.04M | 262.23M |
Derived Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Free Cash Flow | -1.70M | 11.92M | 13.27M | -424.00K | -10.23M | 22.73M |
| Net Debt | — | -85.13M | — | — | — | -96.13M |
| Net Margin | 23.19% | 22.93% | 8.78% | 12.85% | -30.98% | 19.87% |
| Return on Equity (ROE) | 2.92% | 2.98% | 3.27% | 3.13% | -3.26% | 2.75% |
| Return on Assets (ROA) | 0.31% | 0.31% | 0.34% | 0.31% | -0.32% | 0.26% |
| Debt-to-Equity | — | 0.01× | — | — | — | 0.00× |
| Effective Tax Rate | 17.85% | 17.40% | 19.89% | 18.81% | 20.97% | 18.64% |
| Cash Conversion Ratio | -0.01× | 1.01× | 1.21× | 0.18× | 0.68× | 3.27× |
| Accruals Ratio | 0.00× | 0.00× | -0.00× | 0.00× | -0.00× | -0.01× |
| SBC % of Revenue | 0.50% | 0.43% | 0.37% | 0.36% | 0.42% | 0.50% |
| CapEx Coverage | -0.12× | 6.63× | 3.94× | 0.85× | -11.25× | 35.49× |
| Free Cash Flow Per Share | $-0.11 | $0.85 | $0.88 | $-0.03 | $-0.95 | $2.76 |
Valuation Metrics
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P/E Trailing (Diluted) | 7.52× | 19.17× | 21.14× | 22.96× | 23.58× | 10.97× |
| P/B | 0.90× | 0.95× | 0.97× | 1.00× | 1.01× | 1.23× |
Income Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenues | 59.09M | 60.47M | 167.15M | 105.31M | 44.88M | 36.03M |
| Income Tax Expense (Benefit) | 2.98M | 2.92M | 3.65M | 3.13M | -3.69M | 1.64M |
| Net Income (Loss) Attributable to Parent | 13.70M | 13.87M | 14.68M | 13.53M | -13.91M | 7.16M |
| Earnings Per Share, Basic | $0.91 | $0.97 | $0.98 | $0.90 | $-1.30 | $0.79 |
| Weighted Average Number of Shares Outstanding, Basic | 14.99M | 13.94M | 15.01M | 15.00M | 10.68M | 8.17M |
| Earnings Per Share, Diluted | $0.91 | $0.96 | $0.97 | $0.90 | $-1.29 | $0.79 |
| Weighted Average Number of Shares Outstanding, Diluted | 15.04M | 13.99M | 15.06M | 15.04M | 10.74M | 8.22M |
Balance Sheet
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash and Cash Equivalents, at Carrying Value | 84.22M | 87.99M | 98.98M | 156.28M | 139.42M | 96.75M |
| Assets | 4.39B | 4.41B | 4.30B | 4.31B | 4.31B | 2.72B |
| Liabilities | 3.92B | 3.95B | 3.85B | 3.88B | 3.88B | 2.46B |
| Stockholders' Equity Attributable to Parent | 470.00M | 465.35M | 449.62M | 431.76M | 427.07M | 260.42M |
| Common Stock, Shares, Outstanding | 14.96M | 15.00M | 15.02M | 15.01M | 14.98M | 8.97M |
Cash Flow Statement
| Concept | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Net Cash Provided by (Used in) Operating Activities | -177.00K | 14.03M | 17.78M | 2.49M | -9.39M | 23.39M |
| Payments to Acquire Property, Plant, and Equipment | 1.52M | 2.12M | 4.51M | 2.91M | 835.00K | 659.00K |
| Net Cash Provided by (Used in) Investing Activities | 14.56M | -118.23M | 224.91M | 267.03M | 259.90M | -41.00M |
| Payments for Repurchase of Common Stock | 1.44M | — | — | — | 2.06M | — |
| Payments of Dividends | 4.34M | 4.35M | 12.60M | 8.39M | 4.19M | 2.51M |
| Net Cash Provided by (Used in) Financing Activities | -18.16M | 93.20M | -240.47M | -209.99M | -207.84M | -31.57M |
Raw XBRL tagging for a single filing
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Methodology
All facts on this page come straight from SEC EDGAR XBRL
company-facts filings (COFS CIK 0000803164),
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