COFS

$0.00

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0.00%

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stock

ChoiceOne Financial Services Inc

NASDAQ | COFS

30.44

USD

$0.00

(

0.00%

)

At Close (As of Nov 28, 2025)

$457.32M

Market Cap

16.54

P/E Ratio

1.84

EPS

$36.79

52 Week High

$24.43

52 Week Low

FINANCIAL SERVICES

Sector

COFS Chart

Recent Chart
Price Action

COFS Technicals

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COFS Earnings

Yearly Income Statement (As of Dec 31, 2024)

Field Value (USD)
Gross Profit $92M
Total Revenue $139M
Cost Of Revenue $47M
Costof Goods And Services Sold $47M
Operating Income $33M
Selling General And Administrative $35M
Research And Development -
Operating Expenses $59M
Investment Income Net -
Net Interest Income $74M
Interest Income $121M
Interest Expense $47M
Non Interest Income -
Other Non Operating Income -
Depreciation -
Depreciation And Amortization $12M
Income Before Tax $33M
Income Tax Expense $6.4M
Interest And Debt Expense -
Net Income From Continuing Operations $27M
Comprehensive Income Net Of Tax -
Ebit $33M
Ebitda $45M
Net Income $27M

Revenue & Profitability

Earnings Performance

COFS Financials

yearly Balance Sheet (As of Dec 31, 2024)

Field Value (USD)
Total Assets $2.7B
Total Current Assets $576M
Cash And Cash Equivalents At Carrying Value $96M
Cash And Short Term Investments $96M
Inventory -
Current Net Receivables -
Total Non Current Assets $2.1B
Property Plant Equipment -
Accumulated Depreciation Amortization Ppe -
Intangible Assets $1.1M
Intangible Assets Excluding Goodwill $1.1M
Goodwill $60M
Investments -
Long Term Investments $881M
Short Term Investments $479M
Other Current Assets $350K
Other Non Current Assets -
Total Liabilities $2.5B
Total Current Liabilities $2.4B
Current Accounts Payable -
Deferred Revenue -
Current Debt -
Short Term Debt $155M
Total Non Current Liabilities $94M
Capital Lease Obligations -
Long Term Debt $56M
Current Long Term Debt $155M
Long Term Debt Noncurrent -
Short Long Term Debt Total $211M
Other Current Liabilities $2.2B
Other Non Current Liabilities -
Total Shareholder Equity $260M
Treasury Stock -
Retained Earnings $91M
Common Stock $207M
Common Stock Shares Outstanding $8.2M

yearly Cash Flow (As of Dec 31, 2024)

Field Value (USD)
Operating Cashflow $49M
Payments For Operating Activities -
Proceeds From Operating Activities -
Change In Operating Liabilities -
Change In Operating Assets -
Depreciation Depletion And Amortization $12M
Capital Expenditures $1.7M
Change In Receivables -
Change In Inventory -
Profit Loss -
Cashflow From Investment -$98M
Cashflow From Financing $91M
Proceeds From Repayments Of Short Term Debt -
Payments For Repurchase Of Common Stock -
Payments For Repurchase Of Equity -
Payments For Repurchase Of Preferred Stock -
Dividend Payout $9M
Dividend Payout Common Stock $9M
Dividend Payout Preferred Stock -
Proceeds From Issuance Of Common Stock -
Proceeds From Issuance Of Long Term Debt And Capital Securities Net -
Proceeds From Issuance Of Preferred Stock -
Proceeds From Repurchase Of Equity $0
Proceeds From Sale Of Treasury Stock -
Change In Cash And Cash Equivalents -
Change In Exchange Rate -
Net Income $27M

yearly Income Statement (As of Dec 31, 2024)

Field Value (USD)
Gross Profit $92M
Total Revenue $139M
Cost Of Revenue $47M
Costof Goods And Services Sold $47M
Operating Income $33M
Selling General And Administrative $35M
Research And Development -
Operating Expenses $59M
Investment Income Net -
Net Interest Income $74M
Interest Income $121M
Interest Expense $47M
Non Interest Income -
Other Non Operating Income -
Depreciation -
Depreciation And Amortization $12M
Income Before Tax $33M
Income Tax Expense $6.4M
Interest And Debt Expense -
Net Income From Continuing Operations $27M
Comprehensive Income Net Of Tax -
Ebit $33M
Ebitda $45M
Net Income $27M

Dividends

Field Value
Ex Dividend Date 2025-09-15
Declaration Date 2025-08-27
Record Date 2025-09-15
Payment Date 2025-09-30
Amount 0.28

COFS News

COFS Profile

ChoiceOne Financial Services Inc Profile

Sector: FINANCIAL SERVICES

Industry: BANKS - REGIONAL

ChoiceOne Financial Services, Inc. is a Michigan-based bank holding company overseeing ChoiceOne Bank, which delivers an extensive range of community banking services designed to meet the diverse needs of individuals, businesses, and local organizations. The company is dedicated to fostering local economic growth through its customer-centric approach, ensuring that financial solutions are accessible and tailored to its clients. With a strong emphasis on community engagement and sustainable development, ChoiceOne is strategically positioned to leverage opportunities in the evolving regional financial market, contributing to its solid growth trajectory and long-term viability.

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