COFS
NASDAQ · Banking
Choiceone Financial Svcs Inc
$27.80
+0.58 (+2.13%)
Financial Highlights (FY 2026)
Revenue
166.06M
Net Income
30.93M
Gross Margin
—
Profit Margin
29.1%
Rev Growth
+32.2%
D/E Ratio
0.63
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 49.2% | 49.2% |
| Operating Margin | — | — | 22.7% | 26.5% |
| Profit Margin | 29.1% | 27.6% | 26.2% | 26.0% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 166.06M | 125.60M | 175.25M | 149.75M |
| Gross Profit | — | — | 86.20M | 73.65M |
| Operating Income | — | — | 39.77M | 39.70M |
| Net Income | 30.93M | 21.05M | 45.93M | 38.96M |
| Gross Margin | — | — | 49.2% | 49.2% |
| Operating Margin | — | — | 22.7% | 26.5% |
| Profit Margin | 29.1% | 27.6% | 26.2% | 26.0% |
| Rev Growth | +32.2% | +32.2% | +18.2% | +19.6% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 82.56M | 82.56M | 67.86M | 63.36M |
| Total Equity | 130.93M | 130.93M | 313.39M | 312.46M |
| D/E Ratio | 0.63 | 0.63 | 0.22 | 0.20 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 41.49M | 29.81M | 61.60M | 52.62M |
| Free Cash Flow | — | — | 37.44M | 36.17M |