CHOICEONE FINANCIAL SERVICES INC
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
- $475.9M
- 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
52-week range
- Market cap
- $475.9M
- P/E ratio
- 16.2
- EPS (diluted)
- $2.01
- Dividend yield
- 3.56%
- Shares outstanding
- 14.6M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Dec 31, 2001
Market data by Polygon.io · prices are 15-minute delayed
At a glance
- Profitable — net income of $28.2M in FY2025.
- Revenue grew 252% from FY2021 to FY2025.
- Trading near its 52-week high.
- Pays a dividend yielding about 3.56% annually.
- Valued at a price-to-earnings (P/E) ratio of 16.2.
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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