Go Deep
ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 20,488 | 8.9 | 1.01 | 0.67 | 3,094.14 |
| Oct 2026 | 20,542 | 8.8 | 1.00 | 0.67 | 3,052.56 |
| Oct 2026 | 20,421 | 9.1 | 1.02 | 0.67 | 3,126.12 |
| Oct 2026 | 20,393 | 9.0 | 1.03 | 0.67 | 3,135.06 |
| Oct 2026 | 20,434 | 8.9 | 1.02 | 0.67 | 3,113.77 |
| Oct 2026 | 20,347 | 9.1 | 1.03 | 0.67 | 3,165.92 |
| Oct 2026 | 20,383 | 9.0 | 1.03 | 0.67 | 3,136.34 |
| Oct 2026 | 20,231 | 9.3 | 1.06 | 0.67 | 3,221.56 |
| Oct 2026 | 20,211 | 9.3 | 1.06 | 0.67 | 3,247.24 |
ChoiceOne Financial Services, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 41,636,000.0 | 42,457,000.0 | 42,937,000.0 | 44,741,000.0 |
| Net Profit | 12,463,000.0 | 13,704,000.0 | 13,867,000.0 | 14,681,000.0 |
| EPS | 0.8 | 0.9 | 0.9 | 1.0 |
ChoiceOne Financial Services, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 161,736,000.0 | 92,437,000.0 | 80,791,000.0 | 81,386,000.0 | — |
| Net Profit | 28,176,000.0 | 26,727,000.0 | 21,261,000.0 | 23,640,000.0 | — |
| EPS | 2.0 | 3.3 | 2.8 | 3.1 | — |
ChoiceOne Financial Services, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Total Assets | 4,410,551,000.0 | 2,723,243,000.0 | 2,576,706,000.0 | 2,385,915,000.0 |
| Total Liabilities | 3,945,198,000.0 | 2,462,828,000.0 | 2,381,072,000.0 | 2,217,041,000.0 |
| Total Equity | 465,353,000.0 | 260,415,000.0 | 195,634,000.0 | 168,874,000.0 |
Owes vs Owns
ChoiceOne Financial Services, Inc. owed $0.89 for every $1 it owned in Jun 2026, down from $0.93 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.89× | 0.89× | 0.90× | 0.92× | 0.93× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
ChoiceOne Financial Services, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 5.0%Fixed assets (tangible) 1.1%Intangible assets 3.6%Long-term investments 21.5%Other assets 68.8%
How it's funded — Dec 2025
Short-term debt 5.6%Long-term debt 1.6%Other liabilities 82.3%Shareholders' equity 10.6%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 222.3 | 575.9 | 570.0 | 573.7 |
| Receivables | 0.0 | 0.0 | 0.0 | 0.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 48.1 | 27.1 | 29.8 | 28.2 |
| Intangible assets | 157.8 | 61.0 | 61.8 | 62.8 |
| Long-term investments | 949.0 | 881.4 | 930.1 | 964.2 |
| Other assets | 3,033.4 | 1,177.8 | 985.1 | 757.0 |
| Liabilities & equity | ||||
| Short-term debt | 245.0 | 155.0 | 20.0 | 50.0 |
| Long-term debt | 68.5 | 55.8 | 215.5 | 35.3 |
| Payables | 0.0 | 0.0 | 0.0 | 0.0 |
| Other liabilities | 3,631.7 | 2,252.1 | 2,145.6 | 2,131.8 |
| Shareholders' equity | 465.4 | 260.4 | 195.6 | 168.9 |
| Net tangible assets | 307.5 | 199.4 | 133.8 | 106.1 |
ChoiceOne Financial Services, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 31,814,000.0 | 47,081,000.0 | 46,333,000.0 | 44,327,000.0 | — |
| Investing Activities | 106,686,000.0 | -96,345,000.0 | -181,216,000.0 | -89,806,000.0 | — |
| Financing Activities | -147,263,000.0 | 90,582,000.0 | 146,373,000.0 | 57,536,000.0 | — |