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CHOICEONE FINANCIAL SERVICES INC

COFS

$36.76 ▼ -0.83 (-2.21%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CHOICEONE FINANCIAL SERVICES INC shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $512.5M

Dividend Yield 3.07%

Revenue Growth 75.0% ↗

Op. Margin 21.1% ↘

ROIC None

FCF / Share None

Trailing P/E 18.2x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$161.74M

↑ +75.0% —

Net Income Profit after all expenses

$28.18M

↑ +5.4% —

Operating Margin Operating profit as % of sales

21.1%

↓ -40.9% 77th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.13 Latest / share

+3.7% YoY

+6.1% 12-yr CAGR

$0.59

FY 2014

$0.66

FY 2015

$0.64

FY 2016

$0.64

FY 2017

$0.71

FY 2018

$1.40

FY 2019

$0.82

FY 2020

$0.94

FY 2021

$1.01

FY 2022

$1.05

FY 2023

$1.09

FY 2024

$1.13

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	75.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1149%)	14.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+140%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	1.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	8.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+37%)	99.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1562%)	27.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+358%)	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-64%)	4.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	4.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	5.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-5%)	3.5% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	-2.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-149%)	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-65%)	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	5.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	—	—
EPS Growth YoY (%)	-38.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	16.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-10.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	38.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	31.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	19.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-3.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.6% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	1.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	11.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	20.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	20.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	28.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	84.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	5.4% Fair ↓ Fair Declining Year-over-year change in net income	25.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.1% Weak ↓ Weak Declining Year-over-year change in net income	7.2% Fair ↓ Fair Declining Year-over-year change in net income	41.2% Excellent ↓ Excellent Declining Year-over-year change in net income	117.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-2.2% Weak ↓ Weak Declining Year-over-year change in net income	18.9% Good ↑ Good Improving Year-over-year change in net income	1.3% Caution ↓ Caution Declining Year-over-year change in net income	6.0% Fair ↓ Fair Declining Year-over-year change in net income	0.8% Caution ↓ Caution Declining Year-over-year change in net income	11.8% Fair ↓ Fair Declining Year-over-year change in net income	19.5% Good ↓ Good Declining Year-over-year change in net income	21.3% Good ↓ Good Declining Year-over-year change in net income	29.6% Excellent Excellent Year-over-year change in net income	83.4% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	25.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	30.1% Excellent → Excellent Stable Compound annual revenue growth over 3 years	40.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	37.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	3.6% Caution → Caution Stable Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.5% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	0.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.9% Weak Weak Compound annual revenue growth over 3 years	4.7% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	17.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	22.8% Excellent → Excellent Stable Compound annual revenue growth over 5 years	23.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	24.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	23.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	8.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	4.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.9% Caution Caution Compound annual revenue growth over 5 years	2.9% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-13.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	25.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.2% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.0% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-3.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-0.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.7% Good ↓ Good Declining Compound annual EPS growth over 3 years	17.4% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	23.1% Excellent Excellent Compound annual EPS growth over 3 years	42.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	21.1% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	35.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	31.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	34.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	33.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	25.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.6% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.8% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	17.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	28.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	26.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	29.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	27.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	21.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.4% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	25.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	21.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	17.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	14.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	12.0% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	6.9% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	6.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	14.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+17%)	9.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	6.9% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	3.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	8.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	8.5% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.2% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	8.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	5.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	2.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$11.60	$11.32	$10.72	$10.85	$10.39	$9.81	$8.16	$8.02	$7.84	$7.89	$7.92	$7.48	$7.23	$7.45	$7.32	—	—	—
Basic EPS, GAAP (USD)	$2.02	$3.27	$2.82	$3.15	$2.87	$2.08	$1.58	$2.03	$1.70	$1.76	$1.75	$1.73	$1.55	$1.29	$1.07	$0.83	$0.45	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.13	$1.09	$1.05	$1.01	$0.94	$0.82	$1.40	$0.71	$0.64	$0.64	$0.66	$0.59	$0.54	$0.50	$0.48	$0.48	$0.48	—
Book Value per Share (USD)	$31.02	$29.05	$25.92	$22.47	$29.52	$29.15	$26.52	$22.25	$22.20	$21.87	$21.19	$20.08	$18.68	$18.35	$17.58	$16.56	—	—
Tangible Book Value per Share (USD)	$20.29	$22.24	$17.98	$14.49	$21.53	$21.39	$19.22	$18.46	$18.22	$17.68	$16.91	$15.67	$14.13	$13.66	$12.75	$11.57	—	—
Basic Weighted Avg Shares (shares)	13.94M	8.17M	7.53M	7.50M	7.69M	7.52M	4.53M	3.61M	3.62M	3.45M	3.29M	3.30M	3.30M	3.30M	3.29M	—	—	—
Dividend Payout Ratio (%)	55.9% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	37.2% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	32.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	32.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.4% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	88.6% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.6% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	36.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	37.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	34.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	38.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.9% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	57.8% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	106.7% Weak Weak Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$465.35M	$260.42M	$195.63M	$168.87M	$221.67M	$227.27M	$192.14M	$80.48M	$76.55M	$71.70M	$69.84M	$66.19M	$61.56M	$60.51M	$57.90M	$54.31M	$52.93M	$52.19M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$161.74M	$92.44M	$80.79M	$81.39M	$79.83M	$73.77M	$36.94M	$28.98M	$28.37M	$27.22M	$26.06M	$24.66M	$23.84M	$24.56M	$24.06M	$22.56M	$21.42M	—
Depreciation Expense (USD)	$3.61M	$2.46M	$2.48M	$2.66M	$2.62M	$2.72M	$1.61M	$1.18M	$1.39M	$1.08M	$986.00K	$986.00K	$927.00K	$900.00K	$944.00K	$903.00K	$974.00K	—
Net Income, GAAP (USD)	$28.18M	$26.73M	$21.26M	$23.64M	$22.04M	$15.61M	$7.17M	$7.33M	$6.17M	$6.09M	$5.74M	$5.70M	$5.09M	$4.26M	$3.51M	$2.71M	$1.48M	—
Operating Cash Flow (USD)	$31.81M	$47.08M	$46.48M	$45.02M	$37.70M	$8.48M	$9.20M	$9.96M	$8.09M	$10.93M	—	$7.47M	$10.36M	$9.64M	$12.54M	$9.22M	$9.23M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.7%	2.6%	2.8%	2.6%	2.7%	2.0%	3.3%	3.2%	3.2%	3.2%	3.2%	3.4%	3.5%	3.6%	3.5%	—	—
Efficiency Ratio (%) (%)	69.7%	63.5%	68.2%	65.7%	66.3%	69.0%	77.1%	70.6%	68.1%	69.7%	70.1%	68.1%	69.9%	66.9%	65.6%	67.6%	71.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 5 days ago 18 years · 68 quarters

CHOICEONE FINANCIAL SERVICES INC

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