CHOICEONE FINANCIAL SERVICES INC (COFS)
About CHOICEONE FINANCIAL SERVICES INC
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
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Financial summary
- Revenue FY2025
- $227.6M
- Net income
- $28.2M
- Total assets
- $4.4B
- Market cap
- $489.2M
- Operating margin
- 15.0%
- Net margin
- 12.4%
Source: SEC EDGAR · updated Jun 7, 2026
Revenue & profit trend
Financial statements
Income statement
- Revenue
- $227.6M
- Operating expenses
- $193.4M
- Operating income
- $34.2M
- Income tax
- $6.0M
- Net income
- $28.2M
- EPS (basic)
- $2.02
- EPS (diluted)
- $2.01
Balance sheet
- Total assets
- $4.4B
- Current assets
- $4.4B
- Total liabilities
- $3.9B
- Current liabilities
- $3.9B
- Shareholders’ equity
- $465.4M
Cash flow
- Operating cash flow
- $31.8M
- Investing cash flow
- $106.7M
- Financing cash flow
- -$147.3M
- Net cash flow
- -$8.8M
Statements via Polygon.io (SEC filings)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $489.2M
- P/E ratio
- 16.3
- EPS (diluted)
- $2.01
- Dividend yield
- 3.55%
- Shares outstanding
- 14.5M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Dec 31, 2001
Choiceone Financial Services Inc (COFS) Stock Price
- Profitable — net income of $28.2M in FY2025.
- Revenue grew 252% from FY2021 to FY2025.
- Trading 5% below its 52-week high.
- Pays a dividend yielding about 3.55% annually.
- Valued at a price-to-earnings (P/E) ratio of 16.3.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
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Choiceone Financial Services Inc: frequently asked questions
Is Choiceone Financial Services Inc an American company?
Choiceone Financial Services Inc is a US-based company headquartered in Sparta, Michigan, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is Choiceone Financial Services Inc headquartered?
Choiceone Financial Services Inc is headquartered in Sparta, Michigan, United States.
Is Choiceone Financial Services Inc publicly traded?
Yes — Choiceone Financial Services Inc is a publicly traded company. Its stock trades under the ticker symbol COFS on the NASDAQ.
What does Choiceone Financial Services Inc do?
Choiceone Financial Services Inc is an American Financial Services company in the Business & Financial Services sector.
