← CHOICEONE FINANCIAL SERVICES INC COFS
Market Price
$34.27
Market Cap
$515.74M
P/E Ratio
17.05
Revenue (FY 2025)
↓-86.3% YoY
$18.99M
3-Yr CAGR: -34.4%
Net Income
↑5.4% YoY
$28.18M
Net Margin: 148.3%
Free Cash Flow
↓-46.3% YoY
$25.19M
FCF Yield: 4.88%
EPS (Diluted)
↓-38.2% YoY
$2.01
Basic: $2.02
Return on Equity
Efficiency
6.1%
ROA: 90.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (COFS)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $19.3M | — | $18.4M | $6.1M | — | $1.85 | — | $10.9M | $9.1M | — |
| FY 2017 | $20.6M | +6.3% | $19.1M | $6.2M | +1.3% | $1.78 | -3.8% | $8.1M | $6.4M | -29.4% |
| FY 2018 | $22.1M | +7.3% | $19.6M | $7.3M | +18.9% | $2.02 | +13.5% | $10.0M | $5.7M | -10.7% |
| FY 2019 | $27.8M | +25.9% | $23.1M | $7.2M | -2.2% | $1.58 | -21.8% | $9.2M | $8.4M | +46.8% |
| FY 2020 | $51.1M | +83.9% | $46.4M | $15.6M | +117.7% | $2.07 | +31.0% | $8.5M | $6.6M | -21.5% |
| FY 2021 | $60.6M | +18.7% | $56.7M | $22.0M | +41.2% | $2.86 | +38.2% | $37.7M | $34.9M | +427.3% |
| FY 2022 | $67.3M | +11.0% | $59.6M | $23.6M | +7.2% | $3.15 | +10.1% | $45.0M | $43.9M | +25.5% |
| FY 2023 | $65.9M | -2.1% | $32.8M | $21.3M | -10.1% | $2.82 | -10.5% | $46.5M | $42.2M | -3.7% |
| FY 2024 | $139.1M | +111.1% | $92.4M | $26.7M | +25.7% | $3.25 | +15.2% | $48.6M | $46.9M | +11.1% |
| FY 2025 | $19.0M | -86.3% | $19.0M | $28.2M | +5.4% | $2.01 | -38.2% | $31.8M | $25.2M | -46.3% |
Valuation
Market Price
$34.27
Market Cap
$515.74M
Enterprise Value
N/A
P/E Ratio
17.05
P/B Ratio
1.10
FCF Yield
4.88%
Dividend Yield
3.30%
Shares Outstanding
Profitability & Margins
Gross Margin
22.38%
Operating Margin
180.00%
Net Margin
148.35%
Return on Equity (ROE)
6.05%
Return on Assets (ROA)
90.46%
Asset Turnover
0.61x
Revenue 3-Yr CAGR
-34.41%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$87.99M
Total Debt
N/A
Book Value / Share
$31.08
Cash Flow Efficiency
Operating Cash Flow
$31.81M
Capital Expenditures (CapEx)
$6.63M
Free Cash Flow
$25.19M
OCF / Revenue
167.50%
FCF / Revenue
132.61%
FCF 3-Yr CAGR
-16.88%
Per Share Metrics
EPS (Diluted)
$2.01
EPS (Basic)
$2.02
Dividends / Share
$1.13
Book Value / Share
$31.08
EPS YoY Growth
-38.15%
Balance Sheet (FY 2025)
Total Assets
$31.15M
Total Liabilities
$3.95B
Stockholders' Equity
$465.35M
Current Assets
N/A
Current Liabilities
N/A