ChoiceOne Financial Services, Inc.COFSNASDAQ

Revenue (LTM)

$193M

+38.7% YoY

Net Income (LTM)

$28M

+5.4% YoY

Free Cash Flow

$24M

Revenue CAGR (5Y)

+19.7%

Marginsdeclining

FCF$0.0B

Profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	84	89↑6.3%	114↑27.8%	139↑22.1%	193↑38.7%
Gross Profit	79	81↑2.2%	81↓0.6%	92↑13.9%	112↑22.2%
Operating Income	26	28↑4.4%	26↓7.6%	33↑29.4%	34↑3.3%
Net Income	22	24↑7.2%	21↓10.1%	27↑25.7%	28↑5.4%
EBITDA	39	41↑5.3%	38↓7.3%	45↑19.5%	34↓24.7%
EPS Diluted	2.86	3.15↑10.1%	2.82↓10.5%	3.25↑15.2%	2.01↓38.2%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	32	44↑37.8%	55↑26.1%	96↑73.9%	88↓8.7%
Total Current Assets	1,131	574↓49.3%	570↓0.6%	576↑1.0%	642↑11.6%
Total Assets	2,367	2,386↑0.8%	2,577↑8.0%	2,723↑5.7%	4,411↑62.0%
Total Current Liabilities	2,102	2,168↑3.1%	2,142↓1.2%	2,369↑10.6%	246↓89.6%
Total Liabilities	2,145	2,217↑3.4%	2,381↑7.4%	2,463↑3.4%	3,945↑60.2%
Total Equity	222	169↓23.8%	196↑15.8%	260↑33.1%	465↑78.7%
Total Debt	85	85↑0.3%	236↑176.2%	211↓10.5%	316↑50.0%
Net Debt	53	41↓22.2%	180↑335.8%	114↓36.7%	228↑100.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	38	44↑17.6%	46↑4.9%	49↑4.7%	21↓57.5%
Capital Expenditure	-3	-1↑57.8%	-4↓263.7%	-2↑59.7%	-7↓288.5%
Free Cash Flow	35	43↑23.5%	42↓2.1%	47↑11.1%	24↓49.1%
Stock-Based Comp	1	1↑18.0%	1↑4.9%	1↓28.4%	0
Net Change in Cash	-48	12↑125.3%	11↓4.7%	41↑259.6%	-97↓334.2%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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