COFSNasdaqState Commercial BanksFiscal year ends December 31

CHOICEONE FINANCIAL SERVICES INC

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026

$32.84−0.26 (-0.79%)

Close on Oct 19, 2026

Market cap: $492.81M
P/E (TTM): 16.3
Dividend yield: 3.44%

CHOICEONE FINANCIAL SERVICES INC income statement

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31
Revenue	228	139	114	89	80	74	37	29	28	27	26	25	24	25	24	23	21
Advertising Expenses	0.98	0.79	0.72	0.76	0.85	0.59	0.53	0.31	0.30	0.22	0.25	0.28	0.24	0.21	0.16	0.17	0.12
Interest Expense	–	–	33	7.75	3.98	4.64	4.70	2.46	1.48	0.97	0.99	1.15	1.42	2.54	3.55	4.97	7.09
Asset Impairment Charges	–	–	–	–	–	0	–	–	–	–	–	–	–	–	–	–	–
Gain (Loss) on Investments	0.61	0.20	-0.32	-0.96	0.48	-0.16	0	0.07	–	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	–	–	–	–	–	–	–	–	0.91	–	–	–	–	–	–	–	–
Pretax Income	34	33	26	28	26	19	8.47	8.49	8.56	8.25	7.69	7.77	6.88	5.61	4.57	3.37	1.28
Income Tax Expense	6.01	6.36	4.31	4.02	4.46	3.27	1.29	1.16	2.39	2.16	1.95	2.08	1.78	1.34	1.06	0.65	-0.20
Net Income	28	27	21	24	22	16	7.17	7.33	6.17	6.09	5.74	5.70	5.09	4.26	3.51	2.71	1.48
Net Income to Common	28	27	21	24	22	16	7.17	7.33	6.17	6.09	5.74	–	–	–	–	–	–
EPS (Basic)(per share)	2.02	3.27	2.82	3.15	2.87	2.08	1.58	2.03	1.70	1.68	1.67	1.73	1.55	1.29	1.07	0.83	0.45
EPS (Diluted)(per share)	2.01	3.25	2.82	3.15	2.86	2.07	1.58	2.02	1.70	1.68	1.66	1.72	1.54	1.29	1.07	0.83	0.45
Shares Outstanding (Basic, Weighted)(shares)	14	8.17	7.53	7.50	7.69	7.52	4.53	3.61	3.62	3.62	3.45	3.30	3.30	3.30	3.29	3.27	–
Shares Outstanding (Diluted, Weighted)(shares)	14	8.22	7.57	7.53	7.70	7.53	4.54	3.63	3.63	3.62	3.45	3.31	3.30	3.30	3.29	3.27	–
Dividend per Share(per share)	1.13	1.09	1.05	1.01	0.94	0.82	1.40	0.71	0.64	0.62	0.63	0.59	0.54	0.50	0.48	0.48	0.48
Total Interest Income	203	121	99	75	65	56	32	25	22	20	19	19	19	20	21	22	23
Net Interest Income	137	74	66	67	61	51	28	22	21	19	18	18	18	18	18	17	16
Non-Interest Income	25	18	15	14	19	23	9.17	6.92	7.81	7.88	7.70	6.80	6.25	6.89	6.14	5.57	5.42
Provision for Credit Losses	15	0.63	0.15	0.25	0.42	4.00	0	0.04	0.49	–	0.10	0.10	0.30	2.52	3.70	3.95	4.88
Non-Interest Expense	113	59	55	53	53	51	28	20	19	19	18	17	17	16	16	15	15

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 42.0%
Return on equity, FY2025: 7.8%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 16.3
Price to sales: 3.78
Price to book: 1.02
Dividend yield: 3.44%