2m 2m 2m 2m 2m 2m 2m
CHOICEONE FINL S (COFS)
NASDAQ
$32.64+$0.56 (+1.75%)
Price as of Jun 23, 2026 4:10 PM EDT- $480.4MMarket Cap
- 16.91%1-Year Change
- Banks - RegionalIndustry
CHOICEONE FINL S (COFS)
$32.64+$0.56 (+1.75%)
Annual
Quarterly
12/31/2025 | 12/31/2024 | 12/31/2023 | 12/31/2022 | ||
|---|---|---|---|---|---|
Income Statement | |||||
Total Operating Revenue | 137.1M +84.13% | 74.4M +12.99% | 65.9M -2.12% | 67.3M +11.00% | |
Cost of Revenue | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Gross Profit | 137.1M +84.13% | 74.4M +12.99% | 65.9M -2.12% | 67.3M +11.00% | |
Sales and Marketing Expense | 981,000 +24.49% | 788,000 +9.29% | 721,000 -5.63% | 764,000 -9.91% | |
Research and Development Expense | -9.3M +57.68% | -5.9M -10.77% | -6.6M -1.65% | -6.7M +8.73% | |
Depreciation and Amortization Expense | 3.6M +46.57% | 2.5M -0.57% | 2.5M -6.81% | 2.7M +1.30% | |
Total Operating Expenses | 112.7M +91.98% | 58.7M +6.63% | 55.1M +2.98% | 53.5M +1.05% | |
Operating Profit | 34.2M +3.32% | 33.1M +29.42% | 25.6M -7.56% | 27.7M +4.38% | |
Interest Income | 203.0M +67.59% | 121.1M +22.35% | 99.0M +31.87% | 75.1M +16.16% | |
Interest Expense | -3.7M -64.42% | -10.4M -68.43% | -33.1M +327.25% | -7.7M +94.77% | |
Interest Income and Expense and Net | 199.2M +80.05% | 110.7M +67.95% | 65.9M -2.12% | 67.3M +11.00% | |
Total Nonoperating Income and Expense | 137.1M +84.13% | 74.4M +12.99% | 65.9M -2.12% | 67.3M +11.00% | |
Income before Taxes | 34.2M +3.32% | 33.1M +29.42% | 25.6M -7.56% | 27.7M +4.38% | |
Income Taxes | 6.0M -5.50% | 6.4M +47.75% | 4.3M +7.17% | 4.0M -9.83% | |
Extraordinary Items | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Net Income | 28.2M +5.42% | 26.7M +25.71% | 21.3M -10.06% | 23.6M +7.25% | |
Net Income from Continuing Operations Applicable to Common | 34.2M +3.32% | 33.1M +29.42% | 25.6M -7.56% | 27.7M +4.38% | |
Basic EPS and Net Income | 2.02 -38.23% | 3.27 +15.96% | 2.82 -10.48% | 3.15 +9.76% | |
Diluted EPS and Net Income | 2.01 -38.15% | 3.25 +15.25% | 2.82 -10.48% | 3.15 +10.14% | |
Basic Weighted Average Shares | 13.9M +70.71% | 8.2M +8.41% | 7.5M +0.38% | 7.5M -2.36% | |
Diluted Weighted Average Shares | 14.0M +70.20% | 8.2M +8.57% | 7.6M +0.60% | 7.5M -2.28% | |
Balance Sheet | |||||
Cash and Cash Equivalents | 88.0M -9.06% | 96.8M +74.54% | 55.4M +26.15% | 43.9M +37.81% | |
Short-Term Investments | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Cash and Cash Equivalents and Short-Term Investments | 88.0M -9.06% | 96.8M +74.54% | 55.4M +26.15% | 43.9M +37.81% | |
Total Current Assets | 62.4M +3.13% | 60.5M +33.60% | 45.3M -4.10% | 47.2M +135.46% | |
Accumulated Depreciation | 32.3M +45.45% | 22.2M +6.14% | 20.9M +15.01% | 18.2M +11.61% | |
Property and Plant and Equipment and Net | 48.1M +77.53% | 27.1M -8.91% | 29.8M +5.38% | 28.2M -5.52% | |
Total Long-Term Assets | 62.4M +3.13% | 60.5M +33.60% | 45.3M -4.10% | 47.2M +135.46% | |
Total Assets | 4.4B +61.96% | 2.7B +5.69% | 2.6B +8.00% | 2.4B +0.81% | |
Income Taxes Payable | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Total Short-Term Debt | 0 N/A | 0 N/A | 0 N/A | 0 N/A | |
Total Current Liabilities | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Total Long-Term Debt | 48.5M +35.54% | 35.8M +0.69% | 35.5M +0.69% | 35.3M +0.70% | |
Total Long-Term Liabilities | 2.9M +359.58% | 621,000 -12.41% | 709,000 -89.44% | 6.7M +966.03% | |
Total Liabilities | 3.9B +60.19% | 2.5B +3.43% | 2.4B +7.40% | 2.2B +3.36% | |
Retained Earnings | 102.6M +12.28% | 91.4M +24.04% | 73.7M +7.76% | 68.4M +30.69% | |
Total Stockholders Equity | 465.4M +78.70% | 260.4M +33.11% | 195.6M +15.85% | 168.9M -23.82% | |
Total Shares Outstanding | 15.0M +67.32% | 9.0M +18.78% | 7.5M +0.43% | 7.5M +0.08% | |
Cash Flow | |||||
Cash from Operating Activities | 31.8M -34.60% | 48.6M +4.66% | 46.5M +3.25% | 45.0M +19.41% | |
Capital Expenditures | 6.6M +288.45% | 1.7M -59.71% | 4.2M +263.75% | 1.2M -57.81% | |
Cash from Investing Activities | 106.7M +208.96% | -97.9M -46.01% | -181.4M +100.41% | -90.5M -82.64% | |
Dividends Paid | 16.9M +88.07% | 9.0M +13.93% | 7.9M +4.38% | 7.6M +5.25% | |
Cash from Financing Activities | -147.3M -262.57% | 90.6M -38.12% | 146.4M +154.40% | 57.5M -86.80% | |
Financials Ratio | |||||
Gross Margin | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Operating Margin | 24.94% -43.89% | 44.45% +14.54% | 38.81% -5.56% | 41.09% -5.97% | |
Return on Assets | 0.79% -21.68% | 1.01% +17.72% | 0.86% -13.87% | 0.99% -3.29% | |
Return on Equity | 7.76% -33.76% | 11.72% +0.48% | 11.67% -3.64% | 12.11% +23.29% | |
Revenue Growth | 84.13% +547.76% | 12.99% +711.80% | -2.12% -119.29% | 11.00% -41.28% | |
Current Ratio | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Cash Ratio | N/A N/A | N/A N/A | N/A N/A | N/A N/A | |
Debt-to-Equity Ratio | 0.10 -24.18% | 0.14 -24.35% | 0.18 -13.07% | 0.21 +32.15% | |
Debt-to-Assets Ratio | 0.01 -16.03% | 0.01 -5.07% | 0.01 -6.76% | 0.01 0.00% | |
Earnings & Revenue History
Debt-to-Assets
Cash Flow