FY2025 · ended Dec 31, 2025 · Revenue $18.99M, -86.3% YoY · Filed Mar 13, 2026
ChoiceOne Financial Services, Inc. (COFS) files with the SEC under industry code 6022, State Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $19.0 million and net income of $28.2 million. Free cash flow was $25.2 million.
Revenue (TTM)
$20.93M
+38.5% vs year-ago TTM
Net income (TTM)
$54.72M
+287.1% vs year-ago TTM
Operating cash flow (TTM)
$59.09M
+219.1% vs year-ago TTM
Free cash flow (TTM)
$51.04M
+247.3% vs year-ago TTM
EPS (TTM)
$3.64
+178.9% vs year-ago TTM
Dividend per share (TTM)
$1.15
+3.6% vs year-ago TTM
Shares outstanding
14.98M
+67.0% vs prior year
Net cash
$639.55M
FY 2025
Operating margin
—
Company profile
- Industry
- State Commercial Banks (SIC 6022)
- Listed as
- COFS (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- MI
- Headquarters
- Sparta, MI
- SEC filer status
- Accelerated filer
- SEC CIK
- 803164
- Former names
- 1ST COMMUNITY BANCORP INC (until Apr 9, 1998)
Other State Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $19.0M | $139.1M | — | — | — |
| Net income | $28.2M | $26.7M | $21.3M | $23.6M | $22.0M |
| Diluted EPS | $2.01 | $3.25 | $2.82 | $3.15 | $2.86 |
| Operating cash flow | $31.8M | $47.1M | $46.3M | $44.3M | $37.7M |
| Free cash flow | $25.2M | $45.4M | $42.1M | $43.2M | $34.9M |
| Total assets | $4.4B | $2.7B | $2.6B | $2.4B | $2.4B |
| Total liabilities | $3.9B | $2.5B | $2.4B | $2.2B | $2.1B |
| Stockholders' equity | $465.4M | $260.4M | $195.6M | $160.8M | $221.7M |
| Cash and investments | $642.4M | $575.9M | $570.0M | $573.7M | $1.1B |
| Total debt | $2.9M | $621,000 | $709,000 | — | — |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 8-K |
Current report
Regulation FD disclosure
|
Nov 5, 2026 | Nov 5, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 30, 2026 | Oct 30, 2026 |
| 10-Q | Quarterly report | Aug 10, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Results of operations
|
Jul 24, 2026 | Jul 24, 2026 |
| 8-K/A |
Amended current report
Shareholder vote results
|
May 27, 2026 | May 20, 2026 |
| 8-K |
Current report
Shareholder vote results
|
May 22, 2026 | May 20, 2026 |
All 1009 ChoiceOne Financial Services, Inc. SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.