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ChoiceOne Financial Services Inc
NASDAQ:COFS

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ChoiceOne Financial Services Inc Logo
ChoiceOne Financial Services Inc
NASDAQ:COFS
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Price: 29.4 USD -0.31% Market Closed
Market Cap: $441m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+104%
5Y
+168%
10Y
+647%
Non Interest Income
+
3Y
+75%
5Y
+9%
10Y
+220%
Net Income
+
3Y
+19%
5Y
+80%
10Y
+391%

Income Statement
ChoiceOne Financial Services Inc

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Income Statement
Currency: USD
Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Net Interest Income
15
16
16
16
16
16
16
17
17
17
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
19
19
19
19
20
20
20
21
21
22
22
22
22
22
22
28
33
40
48
51
55
57
59
61
62
64
66
67
68
68
67
66
65
68
72
74
84
102
120
137
Interest Income
27
26
25
24
23
23
22
22
22
22
22
22
21
21
21
21
20
20
20
19
19
19
19
19
19
19
19
19
19
20
20
20
20
21
21
21
22
23
23
24
25
25
26
26
32
39
45
54
56
59
61
63
65
66
69
71
75
79
85
92
99
106
113
118
121
133
157
180
203
Interest Expense
11
10
9
8
7
6
6
5
5
5
4
4
4
3
3
3
3
2
2
2
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
2
2
2
2
3
4
4
5
5
5
5
5
4
4
4
4
4
5
6
8
11
17
25
33
41
45
46
47
48
54
60
66
Non Interest Income
4
4
4
5
5
6
5
5
6
5
6
6
6
6
7
7
7
7
7
6
6
6
6
7
7
8
8
8
8
7
7
8
8
8
8
8
8
8
8
7
7
7
7
7
9
11
16
20
23
24
22
21
19
17
16
14
14
14
14
15
15
15
16
17
18
19
21
24
25
Revenue
19
N/A
20
+1%
20
+3%
21
+2%
21
+4%
22
+1%
22
+0%
22
+1%
23
+3%
23
+1%
23
+2%
24
+2%
24
+1%
24
+1%
24
0%
24
+1%
25
+0%
25
0%
25
+0%
24
-2%
24
-1%
24
-1%
24
0%
24
+3%
25
+2%
26
+4%
26
+2%
26
+1%
26
-1%
26
-1%
26
+2%
27
+2%
27
+2%
27
+0%
27
+1%
28
+1%
28
+2%
29
+1%
29
+1%
29
+1%
29
-1%
29
+1%
30
+1%
30
+0%
37
+25%
45
+21%
56
+25%
69
+23%
74
+7%
79
+7%
80
+1%
80
+0%
80
+0%
80
0%
80
+1%
80
0%
81
+2%
82
+1%
82
0%
81
-1%
81
-1%
81
0%
84
+4%
89
+6%
92
+4%
103
+12%
124
+20%
143
+16%
162
+13%
Pre-Tax Income
Loan Loss Provision
(3)
(4)
(4)
(5)
(5)
(5)
(5)
(5)
(4)
(4)
(4)
(4)
(4)
(4)
(3)
(3)
(3)
(2)
(1)
(1)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
(0)
0
0
0
0
0
(0)
(0)
(0)
(1)
(1)
(0)
(0)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
2
2
2
1
0
0
0
0
Non Interest Expense
(15)
(15)
(15)
(15)
(15)
(15)
(15)
(15)
(15)
(15)
(16)
(16)
(16)
(16)
(16)
(16)
(16)
(17)
(17)
(17)
(17)
(17)
(17)
(17)
(17)
(17)
(18)
(18)
(18)
(19)
(19)
(19)
(19)
(19)
(19)
(19)
(19)
(20)
(20)
(20)
(20)
(21)
(21)
(23)
(28)
(34)
(42)
(51)
(55)
(56)
(57)
(54)
(53)
(54)
(54)
(54)
(54)
(54)
(54)
(54)
(56)
(56)
(58)
(60)
(60)
(95)
(106)
(117)
(128)
Pre-Tax Income
1
N/A
1
-3%
1
-54%
0
-56%
1
+433%
1
-5%
2
+50%
2
+30%
3
+42%
3
+2%
4
+10%
4
+6%
5
+14%
5
+9%
5
+3%
5
+6%
6
+3%
6
+7%
6
+8%
7
+2%
7
+5%
7
+0%
7
+0%
7
+8%
8
+4%
8
+6%
8
+2%
8
-2%
8
-6%
7
-5%
7
0%
8
+5%
8
+8%
8
+2%
9
+3%
9
+0%
9
-2%
9
+0%
9
0%
9
+0%
8
-1%
8
0%
8
-5%
7
-15%
8
+24%
10
+23%
14
+36%
18
+25%
19
+7%
23
+19%
23
+2%
25
+10%
27
+5%
25
-4%
26
+2%
26
0%
28
+6%
28
+1%
28
-1%
27
-2%
26
-5%
26
+1%
28
+7%
31
+11%
33
+8%
9
-74%
17
+98%
26
+53%
34
+30%
Net Income
Tax Provision
0
0
0
1
0
0
(0)
(0)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(2)
(2)
(3)
(3)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(4)
(5)
(6)
(6)
(1)
(3)
(5)
(6)
Income from Continuing Operations
1
1
1
1
1
1
2
2
3
3
3
3
4
4
4
4
4
4
5
5
5
5
5
5
6
6
6
6
6
5
5
6
6
6
6
6
6
7
7
7
7
7
7
6
7
9
12
15
16
19
19
21
22
21
22
22
24
24
23
23
21
21
23
25
27
7
14
21
28
Net Income (Common)
1
N/A
1
-2%
1
-29%
1
-20%
1
+85%
1
-6%
2
+26%
2
+19%
3
+30%
3
+2%
3
+8%
3
+5%
4
+11%
4
+9%
4
+3%
4
+6%
4
+2%
4
+5%
5
+6%
5
+2%
5
+5%
5
+0%
5
+1%
5
+7%
6
+4%
6
+7%
6
+1%
6
-2%
6
-6%
5
-6%
5
+0%
6
+4%
6
+8%
6
+3%
6
+3%
7
+1%
6
-5%
6
+4%
7
+3%
7
+4%
7
+7%
7
0%
7
-5%
6
-14%
7
+20%
9
+23%
12
+33%
15
+24%
16
+7%
19
+19%
19
+3%
21
+10%
22
+4%
21
-3%
22
+3%
22
+0%
24
+8%
24
+0%
23
-2%
23
-3%
21
-6%
21
0%
23
+6%
25
+10%
27
+7%
7
-73%
14
+97%
21
+52%
28
+31%
EPS (Diluted)
0.4
N/A
0.4
N/A
0.29
-28%
0.23
-21%
0.41
+78%
0.39
-5%
0.49
+26%
0.58
+18%
0.75
+29%
0.76
+1%
0.82
+8%
0.86
+5%
0.97
+13%
1.05
+8%
1.08
+3%
1.15
+6%
1.17
+2%
1.23
+5%
1.31
+7%
1.33
+2%
1.4
+5%
1.4
N/A
1.41
+1%
1.51
+7%
1.56
+3%
1.68
+8%
1.7
+1%
1.67
-2%
1.58
-5%
1.47
-7%
1.48
+1%
1.55
+5%
1.68
+8%
1.74
+4%
1.79
+3%
1.79
N/A
1.69
-6%
1.67
-1%
1.81
+8%
1.9
+5%
2.02
+6%
2.02
N/A
1.92
-5%
1.64
-15%
1.58
-4%
1.21
-23%
1.61
+33%
1.86
+16%
2.07
+11%
2.38
+15%
2.46
+3%
2.76
+12%
2.86
+4%
2.83
-1%
2.9
+2%
2.92
+1%
3.14
+8%
3.15
+0%
3.09
-2%
3
-3%
2.81
-6%
2.81
N/A
2.98
+6%
2.88
-3%
3.25
+13%
0.67
-79%
0.94
+40%
1.42
+51%
2.01
+42%

See Also

Summary
COFS intrinsic value, competitors valuation, and company profile.
DCF Valuation
COFS stock valuation using Discount Cash Flow valuation method.
Relative Valuation
COFS stock valuation using valuation multiples.
Wall Street Estimates
COFS price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
COFS stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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