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COFS CHOICEONE FINANCIAL SERVICES INC

Trailing twelve months to 2026-06-30 · as filed 2026-08-10, not restated
Financials

Scale

Market cap
$497m
Revenue TTM
$242m
Net income TTM
$55m
Free cash flow
$51m
Composite score
70.0
Sector rank
#2405

Valuation

P / E
9.1
EV / EBITDA
EV / sales
1.7
FCF yield
10.28%
Earnings yield vs 10-yr
6.28pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
22.6%
EBITDA margin
ROE
11.3%
ROIC
Revenue growth
32.7%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

RESULTS OF OPERATIONS ChoiceOne reported net income of $12,463,000 and $26,167,000 for the three and six months ended June 30, 2026, respectively, compared to net income of $13,534,000 and a net loss of $372,000 for the three and six months ended June 30, 2025, respectively. This growth was partially offset by a reduction in the cash balance of $67.6 million as of June 30, 2026, during the twelve months ended June 30, 2026. Core loans, which exclude held for sale loans and mortgage warehouse advances, increased by $87.1 million or an annualized 11.9% during the second quarter of 2026 and grew by $101.5 million or 3.5% during the twelve months ended June 30, 2026. …CHOICEONE FINANCIAL SERVICES INC, 10-Q, period ended 2026-06-30, filed 2026-08-10

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