What is Choiceone Financial Services, Inc. Quarterly Revenue?

Choiceone Financial Services, Inc. Quarterly Revenue Choiceone Fin Services Inc Jun-2026 Quarterly Revenue is $42 Million which is growth of -2.8% YoY.

What is Choiceone Financial Services, Inc. Quarterly Net Profit?

Choiceone Financial Services, Inc. Quarterly Net Profit Choiceone Fin Services Inc Jun-2026 Quarterly Net Profit is $12 Million which is growth of -7.9% YoY.

What is Choiceone Financial Services, Inc. Annual Revenue?

Choiceone Financial Services, Inc. Annual Revenue Choiceone Fin Services Inc Dec-2025 Annual Revenue is $162 Million which is growth of 75.0% YoY.

What is Choiceone Financial Services, Inc. Annual Net Profit?

Choiceone Financial Services, Inc. Annual Net Profit Choiceone Fin Services Inc Dec-2025 Annual Net Profit is $28 Million which is growth of 5.4% YoY.

What is Choiceone Financial Services, Inc. Total Shareholders Fund?

Choiceone Financial Services, Inc. Total Shareholders Fund Choiceone Fin Services Inc Dec-2025 Total Shareholders Fund is $465 Million which is growth of 78.7% YoY.

What is Choiceone Financial Services, Inc. Total Assets?

Choiceone Financial Services, Inc. Total Assets Choiceone Fin Services Inc Dec-2025 Total Assets is $4,411 Million which is growth of 62.0% YoY.

What is Choiceone Financial Services, Inc. Book Value Per Share?

Choiceone Financial Services, Inc. Book Value Per Share Choiceone Fin Services Inc Book Value Per Share is $32 which is growth of 11.2% YoY.

What is Choiceone Financial Services, Inc. ROE?

Choiceone Financial Services, Inc. ROE Choiceone Fin Services Inc ROE is 0% which is growth of 0% YoY.

What is Choiceone Financial Services, Inc. Cash From Operating Activity?

Choiceone Financial Services, Inc. Cash From Operating Activity Choiceone Fin Services Inc Dec-2025 Cash From Operating Activity is $32 Million which is growth of -34.6% YoY.

What is Choiceone Financial Services, Inc. Net Cash Flow?

Choiceone Financial Services, Inc. Net Cash Flow Choiceone Fin Services Inc Dec-2025 Net Cash Flow is $-9 Million which is growth of -121.2% YoY.

Choiceone Financial Services, Inc.

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Choiceone Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Choiceone Fin Services Inc share price target, revenues, EPS, net income and more

Choiceone Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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NEGATIVE
Quarterly Revenue Choiceone Fin Services Inc Jun-2026 Quarterly Revenue is $42 Million which is growth of -2.8% YoY.
NEGATIVE
Quarterly Net Profit Choiceone Fin Services Inc Jun-2026 Quarterly Net Profit is $12 Million which is growth of -7.9% YoY.

Choiceone Financial Services, Inc., Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
Indicator	Jun '26	Mar '26	Dec '25	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24	Mar '24	Dec '23	Sep '23	Jun '23
SR_Q Operating Rev.	41.6	42.5	42.9	44.7	42.8	31.2	24.3	25.1	22.5	20.5	20.6	19.9	19.6
CostOfRevenue_Q Cost Of Rev.	-	-	-	-	-	-	-	-	-	-	-	-	-
GrossProfit_Q Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-
OEXPNS_Q Operating Exp. ⌄	-	-	-	-	-	-	-	-	-	-	-	8.6	8.2
AdminAndSellingExpenses_Q Admin Plus Selling Exp.	15.3	14.9	15.3	14.9	14.5	11	9.4	8.9	8.9	8.4	8.6	8.6	8.2
ResearchAndDevlopmentExpenses_Q RnD Exp.	-	-	-	-	-	-	-	-	-	-	-	-	-
OP_Q Operating Profit	-	-	-	-	-	-	-	-	-	-	-
NetNonOperIntIncExp_Q Net Non Operations Interest Incuding Expenses ⌄	-	-	-	-	-	-	-	-	-	-	-	-	-
Others_Q Other Interest Earned	-	-	-	-	-	-	-	-	-	-	-	-	-
IntExpNonOperating_Q Interest Exp. Non Operating	-	-	-	-	-	-	-	-	-	-	-	-	-
PBT_Q Profit Before Tax	15	16.7	16.8	18.3	16.7	-17.6	8.8	9.3	8.2	6.8	6.5	6.2	6.3
TAX_Q Tax	2.6	3	2.9	3.6	3.1	-3.7	1.6	1.9	1.6	1.2	1.2	1.1	1
NICommonStockholders_Q Net Income Common Stockholders ⌄	12.5	13.7	13.9	14.7	13.5	-13.9	7.2	7.4	6.6	5.6	5.3	5.1	5.2
NP_Q Net Profit	12.5	13.7	13.9	14.7	13.5	-13.9	7.2	7.4	6.6	5.6	5.3	5.1	5.2
NIIncludingNoncontrollingInterests_Q Net Income Including Non controlling Interests	12.5	13.7	13.9	14.7	13.5	-13.9	7.2	7.4	6.6	5.6	5.3	5.1	5.2
DilutedNIAvailtoComStockholders_Q Diluted NI Avail to Com Stockholders Ann.	12.5	13.7	13.9	14.7	13.5	-13.9	7.2	7.4	6.6	5.6	5.3	5.1	5.2
EPS_Q Basic EPS	0.8	0.9	0.9	1	0.9	-1.3	0.8	0.9	0.9	0.8	0.7	0.7	0.7
AfterDilutedEPS_Q Diluted EPS After ExtraOrdinary	0.8	0.9	0.9	1	0.9	-0	0.8	0.9	0.9	0.7	0.7	0.7	0.7
SHARE_Q Number Of Shares End	15	15	15	15	15	10.7	9	8.6	7.6	7.6	7.6	7.5	7.5
NIContinuingDiscontinuedOper_Q Net Income Continuing Discontinued Operations	12.5	13.7	13.9	14.7	13.5	-13.9	7.2	7.4	6.6	5.6	5.3	5.1	5.2
NormalizedIncome_Q Normalized Income	12.4	13.7	14	14.7	13.7	-0.3	7.5	7.7	6.6	5.6	5.3	5.1	5.1
InterestIncome_Q Interest Income	53.9	53.3	54.4	54.7	53.9	40	31	31.7	29.9	28.4	28	26.3	23.3
INT_Q Interest	17.2	16.6	17.5	17.1	17.6	13.7	11.7	11.4	11.6	12	11.4	10.1	7.2
NetInterestIncome_Q Net Interest Income	36.7	36.6	36.8	37.6	36.3	26.3	19.4	20.3	18.4	16.5	16.6	16.2	16.1
EBIT_Q EBIT	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA_Q EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-
ReconciledCostOfRevenue_Q Reconciled Cost Of Rev.	-	-	-	-	-	-	-	-	-	-	-	-	-
ReconciledDepreciation_Q Reconciled Depr.	4.7	4.9	5.3	5.5	5.4	3.6	3.2	3.1	3	3.1	3.1	3.2	3.1
ProfitLossFromContinuingOperations_Q Profit From Continuing Operations	12.5	13.7	13.9	14.7	13.5	-13.9	7.2	7.4	6.6	5.6	5.3	5.1	5.2
NormalizedEBITDA_Q Normalized EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-

*All financials are in USD Million and price data in USD

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Choiceone Fin Services Inc competitor comparison and performance snapshot within industry

Choiceone Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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POSITIVE
Annual Revenue Choiceone Fin Services Inc Dec-2025 Annual Revenue is $162 Million which is growth of 75.0% YoY.
POSITIVE
Annual Net Profit Choiceone Fin Services Inc Dec-2025 Annual Net Profit is $28 Million which is growth of 5.4% YoY.

Choiceone Financial Services, Inc., Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	TTM	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
SR_A Total Rev. Ann. ⌄	25.7%	17%		161.7	92.4	80.8	81.4	79.8	73.8	36.9	29	27.5	27.2	26.1
TotalOperatingRevenues_A Operating Rev. Ann.	25.7%	17%	171.8	161.7	92.4	80.8	81.4	79.8	73.8	36.9	29	27.5	27.2	26.1
CostOfRevenue_A Cost Of Rev. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
GrossProfit_A Gross Profit Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
OEXPNS_A Operating Exp. Ann.	-	-		-	-	-	-7.8	-4	-4.6	-4.7	-2.5	-1.5	-1	-1
OP_A Operating Profit Ann.	-	-		-	-	-	89.1	83.8	78.4	41.6	31.4	28.9	28.2	27.1
NetNonOperIntIncExp_A Net Non Operations Interest Incuding Expenses Ann, ⌄	-	-		-	-	-	-	-	-	-	-	-	-	-
Others_A Other Interest Earned Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
IntExpNonOperating_A Interest Exp. Non Operating Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
OtherExpenses_A Other Exp. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
PBT_A PBT Ann.	7.3%	12.6%	66.8	34.2	33.1	25.6	27.7	26.5	18.9	8.5	8.5	8.6	8.3	7.7
TAX_A Tax Ann.	14.5%	12.7%	12.1	6	6.4	4.3	4	4.5	3.3	1.3	1.2	2.4	2.2	1.9
NICommonStockholders_A Net Income Common Stockholders Ann. ⌄	6.1%	12.6%	54.7	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
NP_A Net Profit Ann.	6.1%	12.6%	54.7	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
NIIncludingNoncontrollingInterests_A Net Income Including Non controlling Interests Ann.	6.1%	12.6%	54.7	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
DilutedNIAvailtoComStockholders_A Diluted NI Avail to Com Stockholders Ann.	6.1%	12.6%	54.7	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
EPS_A EPS Ann.	-14.5%	-1%		2	3.3	2.8	3.2	2.9	2.1	1.6	2	1.7	1.7	1.6
DilutedEPS_A Diluted EPS Ann.	-14.5%	-1%		2	3.3	2.8	3.2	2.9	2.1	1.6	2	1.7	1.7	1.6
SHARE_Q Number Of Shares End	26%	14%		15	9	7.6	7.5	7.6	7.8	7.3	3.6	3.6	3.6	3.6
TotalExpenses_A Total Exp. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
NIContinuingDiscontinuedOper_A Net Income Continuing Discontinued Operations Ann.	6.1%	12.6%	54.7	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
NormalizedIncome_A Normalized Income Ann.	21.9%	22.3%	54.8	42.7	27.4	21.1	23.6	22	15.6	7.1	7.3	5.5	6.1	5.8
InterestIncome_A Interest Income Ann.	39.3%	29.5%	216.3	203	121.1	99	75.1	64.6	55.7	32.5	24.5	22	20.3	19.4
INT_A Interest Ann.	103.7%	70.3%	68.5	65.9	46.7	33.1	7.8	4	4.6	4.7	2.5	1.5	1	1
EBITDA_A EBITDA Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
ReconciledCostOfRevenue_A Reconciled Cost Of Rev. Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-
ReconciledDepreciation_A Reconciled Depr. Ann.	14.4%	20.9%	20.5	19.9	12.3	12.4	13.3	12.4	7.7	3.1	2.1	2.5	2.6	2.5
ProfitLossFromContinuingOperations_A Profit From Continuing Operations Ann.	6.1%	12.6%	54.7	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
NormalizedEBITDA_A Normalized EBITDA Ann.	-	-		-	-	-	-	-	-	-	-	-	-	-

*All financials are in USD Million and price data in USD

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Total Rev. Ann.

1Y CHG

75%

2Y CAGR

41.5%

3Y CAGR

25.7%

5Y CAGR

17%

7Y CAGR

27.8%

10Y CAGR

20%

Total Revenue Annual growth is higher than historical averages.

Net Profit Ann.

1Y CHG

5.6%

2Y CAGR

15.1%

3Y CAGR

6.1%

5Y CAGR

12.6%

7Y CAGR

21.3%

10Y CAGR

17.3%

Net Profit Annual growth is lower than historical averages.

Choiceone Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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POSITIVE
Total Shareholders Fund Choiceone Fin Services Inc Dec-2025 Total Shareholders Fund is $465 Million which is growth of 78.7% YoY.
POSITIVE
Total Assets Choiceone Fin Services Inc Dec-2025 Total Assets is $4,411 Million which is growth of 62.0% YoY.

Choiceone Financial Services, Inc., Balance Sheet, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
TA_A Total Assets Ann. ⌄	22.7%	18.1%	4,410.6	2,723.2	2,576.7	2,385.9	2,366.7	1,919.3	1,386.1	670.5	646.5	607.4	567.8
CA_A Total Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CashEquivalentsShortTermInvestments_A Cash Equivalents and Short Term Investments Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables_A Change In Account Receivables Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
Inventories_A Inventories Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
OtherCurrentAssets_A Other Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentAssets_A Total Non Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
NetPPE_A Net PPE Ann.	19.5%	10.3%	48.1	27.1	29.8	28.2	29.9	29.5	24.3	15.9	12.9	12.6	11.9
InvestmentsAndAdvances_A Investments & Advances Ann.	-0.5%	10.4%	949	881.4	930.1	964.2	1,107.4	577.7	342.4	169.5	155.6	174.4	160.1
OtherNonCurrentAssets_A Other Non Current Assets Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalLiabilitiesNetMinorityInterest_A Total Liabilities Net Minority Interest Ann. ⌄	21.2%	18.4%	3,945.2	2,462.8	2,381.1	2,217	2,145	1,692.1	1,194	590.1	570	535.7	497.9
CL_A Total Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
PayablesAndAccruedExpenses_A Payables & Accrued Exp.s Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CurrentDebtCapLeaseObligation_A Current Debt Cap Lease Obligation Ann.	69.8%	-	245	155	30	50	50	-	-	-	-	-	-
CurrentDeferredLiabilities_Q Current Deferred Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-
OtherCurrentLiabilities_A Other Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalNonCurrentLiabilities_A Total Non Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
LongTermDebtAndCapitalLeaseObligation_Q LT Debt & Capital Lease Obligation	24.7%	40.8%	68.5	55.8	205.5	35.3	35	12.4	33.2	5.2	20.3	12.3	11.3
TradeandOtherPayablesNonCurrent_A Trade & Other Payables Non Current Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalDeferredCreditsAndOtherNonCurrentLiabilities_A Total Deferred Credits & Other Non Current Liabilities Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
TotalShareHoldersFunds_A Total ShareHolders Funds Ann. ⌄	40.2%	15.4%	465.4	260.4	195.6	168.9	221.7	227.3	192.1	80.5	76.6	71.7	69.8
EQCAP_A Equity Share Capital Ann.	40.2%	15.4%	465.4	260.4	195.6	168.9	221.7	227.3	192.1	80.5	76.6	71.7	69.8
CapitalStock_A Capital Stock Ann.	32.2%	17.4%	398.4	206.8	173.5	172.3	171.9	178.8	162.6	54.5	50.3	46.3	46.5
RetainedEarnings_A Retained Earnings Ann.	14.5%	22.3%	102.6	91.4	73.7	68.4	52.3	37.5	28.1	26.7	26	26	22.1
GainsLossesNotAffectingRetainedEarnings_A Gains Losses Not Affecting Retained Earnings Ann.	-	-	-35.7	-37.8	-51.6	-71.8	-2.6	11	1.5	-0.7	0.2	-0.6	1.2
TotalCapitalization_A Total Capitalization Ann.	37.8%	17.4%	533.8	316.2	401.1	204.1	256.7	239.7	225.3	85.7	96.8	84	81.2
TangibleAssets_A Tangible Assets Ann.	42.6%	13.7%	307.5	199.4	133.8	106.1	157.8	161.5	133.3	66.8	62.8	58	55.7
WC_A Working Capital Ann.	-	-	-	-	-
InvestedCapital_A Invested Capital Ann.	45.3%	26.6%	778.8	471.2	431.1	254.1	306.7	239.7	225.3	85.7	96.8	84	81.2
TangibleBookValue_A Tangible Book Value Ann.	42.6%	13.7%	307.5	199.4	133.8	106.1	157.8	161.5	133.3	66.8	62.8	58	55.7
Borrowings_A Borrowings Ann.	54.3%	90.8%	313.5	210.8	235.5	85.3	85	12.4	33.2	5.2	20.3	12.3	11.3
NetDebt_A Net Debt Ann.	76.1%	-	225.5	114	180.1	41.3	53.1	-	-	-	-	-	0.1
ShareIssued_A Share Issued Ann.	26%	14%	15	9	7.6	7.5	7.5	7.8	7.3	3.6	3.6	3.6	3.6
SHARE_Q Number Of Shares End	26%	14%	15	9	7.6	7.5	7.6	7.8	7.3	3.6	3.6	3.6	3.6

*All financials are in USD Million and price data in USD

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Total Assets Ann.

1Y CHG

62%

2Y CAGR

30.8%

3Y CAGR

22.7%

5Y CAGR

18.1%

7Y CAGR

30.9%

10Y CAGR

22.8%

Total Assets Annual growth is higher than historical averages.

Total ShareHolders Funds Ann.

1Y CHG

78.7%

2Y CAGR

54.3%

3Y CAGR

40.2%

5Y CAGR

15.4%

7Y CAGR

28.5%

10Y CAGR

20.9%

Total ShareHolders Funds Annual growth is higher than historical averages.

Choiceone Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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POSITIVE
Book Value Per Share Choiceone Fin Services Inc Book Value Per Share is $32 which is growth of 11.2% YoY.
NEUTRAL
ROE Choiceone Fin Services Inc ROE is 0% which is growth of 0% YoY.

Choiceone Financial Services, Inc., Ratios, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
ROA_A RoA Ann. %	-	-	-	1.01%	0.86%	0.99%	1.03%	0.94%	0.70%	1.11%	0.98%	1.04%	1.03%
ROE_A ROE Ann. %	-	-	-	11.72%	11.67%	12.11%	9.82%	7.45%	5.26%	9.34%	8.32%	8.61%	8.44%
ROIC_Q ROIC %	-	-	-	-	-	-	-	-	-	-	-	-	-
OPMPCT_A OPM Ann. %	-	-	-	-	-	109.52%	104.98%	106.30%	112.72%	108.49%	105.38%	103.56%	103.80%
NBTO_A Inventory Turnover Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ASETTO_A Asset Turnover Ann. %	-	-	-	0	0	0	0	0	0	0	0	0.1	0.1
WCTO_A Working Capital Turnover Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
QuickRatio_A Quick Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CRATIO_A Current Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
IC_A Interest Coverage Ratio Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
LTDE_A LT Debt To Equity Ann.	-	-	-	0.2	1.1	0.2	0.2	0.1	0.2	0.1	0.3	0.2	0.2

*All financials are in USD Million and price data in USD

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Choiceone Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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NEGATIVE
Cash From Operating Activity Choiceone Fin Services Inc Dec-2025 Cash From Operating Activity is $32 Million which is growth of -34.6% YoY.
NEGATIVE
Net Cash Flow Choiceone Fin Services Inc Dec-2025 Net Cash Flow is $-9 Million which is growth of -121.2% YoY.

Choiceone Financial Services, Inc., Cash Flow, standalone, All financials are in USD Million and price data in USD
Indicator	CAGR 3 Yrs	CAGR 5 Yrs	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16	Dec '15
CFO_A Cash from Operating Act. Ann. ⌄	-10.9%	30.2%	31.8	48.7	46.5	45	37.7	8.5	9.2	10	8.1	10.9	4
ProfitLossFromContinuingOperations_A Profit From Continuing Operations Ann.	6.1%	12.6%	28.2	26.7	21.3	23.6	22	15.6	7.2	7.3	6.2	6.1	5.7
DepreciationAmortizationDepletion_A Depreciation Amortization Depletion Ann.	14.4%	20.9%	19.9	12.3	12.4	13.3	12.4	7.7	3.1	2.1	2.5	2.6	2.5
DepreciationAndAmortization_A Depreciation And Amortization Ann.	14.4%	20.9%	19.9	12.3	12.4	13.3	12.4	7.7	3.1	2.1	2.5	2.6	2.5
DeferredTax_A Deferred Tax Ann.	-	-	-0.1	-0.3	-0	-0	0.9	0.2	0.3	0.2	0.1	-0.1	-0.6
DeferredIncomeTax_A Deferred Income Tax Ann.	-	-	-0.1	-0.3	-0	-0	0.9	0.2	0.3	0.2	0.1	-0.1	-0.6
EmployeesStockOptions_A ESOPs Ann.	-3.5%	12.5%	0.9	0.7	1	1	0.8	0.5	0.4	0.3	0.3	0.4	0.1
OtherNonCashItems_A Other Non Cash Items Ann.	-	-	-14.1	-2.8	0.3	5.4	8	-0.5	-0.4	1.4	-0	4.1	-1.2
ChangeInWorkingCapital_A Change In Working Capital Ann.	-	-	-15.2	14	13	2	0.3	-6.7	0.6	-0.3	-0.4	-0.2	-1.1
ChangeInReceivables_A Change In Receivables Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangeInInventory_A Change In Inventory Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangePayablesAccruedExpense_A Change Payables Accrued Expense Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
ChangeInOtherCurrentAssets_A Change In Other Current Assets Ann.	-	-	3.4	-0.8	5.4	-4.2	-5.4	-3.2	2.1	-0.9	0.4	-2	-0.5
ChangeInOtherCurrentLiabilities_A Change In Other Current Liabilities Ann.	-	-	-18.7	14.8	7.6	6.2	5.7	-3.5	-1.5	0.6	-0.8	1.8	-0.6
ChangeInOtherWorkingCapital_A Change In Other Working Capital Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CFI_A Cash from Investing Act. Ann. ⌄	-	-	106.7	-97.9	-181.4	-90.5	-521.4	-250.8	36.4	-43.9	-18.3	-41.5	-22.7
NetPPEPurchaseAndSale_A Net PPE Purchase & Sale Ann.	-	-	-6.6	-1.7	-4.2	-1.2	-2.8	-1.9	-0.8	-4.2	-1.7	-1.8	-1
PurchaseOfPPE_A Purchase Of PPE Ann.	-	-	-6.6	-1.7	-4.2	-1.2	-2.8	-1.9	-0.8	-4.2	-1.7	-1.8	-1
NetBusinessPurchaseAndSale_A Net Business Purchase & Sale Ann.	-	37.2%	173.1	-	-			35.6	20.6	-	-	-	-
PurchaseOfBusiness_A Purchase Of Business Ann.	-	-	-0	-	-	-	-	-	-	-	-	-	-
PurchaseOfInvestment_A Purchase Of Investment Ann.	-	-	-88.4	-16.8	-6.4	-65.5	-637.9	-375.7	-209.8	-31.5	-56.1	-69.5	-70.9
SaleOfInvestment_A Sale Of Investment Ann.	4.9%	-6.3%	123.2	59.8	51.5	106.8	83.9	170.7	226.7	16.2	75.2	52	53
NetOtherInvestingChanges_A Net Other Investing Changes Ann.	-	-	-5.2	-3.1	-0.9	-	-10	-		-	-	-1.9
CFA_A Cash from Financing Act. Ann. ⌄	-	-	-147.3	90.6	146.4	57.5	436	262.2	-5.7	16.8	32.2	34.2	13.2
NetIssuancePaymentsOfDebt_A Net Issuance Payments Of Debt Ann.	-	-	-80.2	-25	150		73.2	-23.9	5	-15	8	1	-7
NetLongTermDebtIssuance_A Net Long Term Debt Issuance Ann.	-	-	-	-25	150		73.2	-23.9	5	-15	8	1	-7
NetShortTermDebtIssuance_A Net ST Debt Issuance Ann.	-	-	-80.2	-	-	-	-	-	-	-	-	-	-
NetCommonStockIssuance_A Net Common Stock Issuance Ann.	-	-	-1.8	32.8	0.2	-0.6	-7.7	0.1	-0.2	-0.5	-0.1	-0.7	-0.2
CommonStockIssuance_A Common Stock Issuance Ann.	65.1%	55.2%	0.9	32.8	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.2
CommonStockPayments_A Common Stock Payments Ann.	-	-	-2.7			-0.8	-7.8		-0.4	-0.5	-0.2	-0.8	-0.4
dividend_1Y_actual Dividend 1year	3.2%	6.6%	1.1	1.1	1.1	1	0.9	0.8	0.8	0.7	0.6	0.6	0.6
DividendPerShare_A Dividend Per Share Ann.	-	-	-17	-9	-7.9	-7.6	-7.2	-6.2	-5.8	-2.6	-2.3	-2.2	-2.2
NetOtherFinancingCharges_A Net Other Financing Charges Ann.	-	-	-	-	-	-	-	-	-	-	-	-	-
CashAndCashEquivalentEndOfYear_A Cash Plus Cash Eqv. End Of Year Ann.	26.1%	2.1%	88	96.8	55.4	43.9	31.9	79.5	59.6	19.7	36.8	14.8	11.2
NetIncDecInCashAndCashEquivalents_A Net Increase In Cash Plus Cash Eqv.s Ann.	-	-	-8.8	41.3	11.5	12.1	-47.6	20	39.9	-17.2	22	3.6	-5.5
CashAndCashEquivalentBeginOfYear_A Cash Plus Cash Eqv. Begin Of Year Ann.	44.8%	10.2%	96.8	55.4	43.9	31.9	79.5	59.6	19.7	36.8	14.8	11.2	16.7
IncomeTaxPaidSupplementalData_A Income Tax Paid Supplemental Data Ann.	54%	7.9%	7.3	6.4	4.5	2	3.3	5	1	0.9	2.1	1.8	2.4
InterestPaidSupplementalData_A Interest Paid Supplemental Data Ann.	104.6%	67.8%	65.1	49.9	27.5	7.6	3.7	4.9	4.5	2.3	1.5	1	1
CapitalExpenditure_A Capex Ann.	-	-	-6.6	-1.7	-4.2	-1.2	-2.8	-1.9	-0.8	-4.2	-1.7	-1.8	-1
IssuanceOfCapitalStock_A Issuance Of Capital Stock Ann.	65.1%	55.2%	0.9	32.8	0.2	0.2	0.1	0.1	0.1	0.1	0.1	0.1	0.2
IssuanceOfDebt_A Issuance Of Debt Ann.	-	-	-	315	420	726	87.5	10.1	115	128.5	212.5	311	194.6
RepaymentOfDebt_A Repayment Of Debt Ann.	-	-	-	-340	-270	-726	-14.3	-33.9	-110	-143.5	-204.5	-310.1	-201.6
RepurchaseOfCapitalStock_A Repurchase Of Capital Stock Ann.	-	-	-2.7			-0.8	-7.8		-0.4	-0.5	-0.2	-0.8	-0.4
FreeCashFlow_A Free Cash Flow Ann.	-16.9%	30.7%	25.2	46.9	42.3	43.9	34.9	6.6	8.4	5.8	6.4	9.1	2.9

*All financials are in USD Million and price data in USD

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Cash from Operating Act. Ann.

1Y CHG

-34.7%

2Y CAGR

-17.3%

3Y CAGR

-10.9%

5Y CAGR

30.2%

7Y CAGR

18%

10Y CAGR

23%

Cash from Operating Activity Annual is falling faster than historical averages.

Forecaster
Quarterly
Competitors/Peers
Annual
Balance Sheet
Ratios
Cash Flow

26.78% Gain from 52W Low

Choiceone Fin Services Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

Choiceone Fin Services Inc - Forecaster

Forecaster Analyst Estimates for Choiceone Fin Services Inc share price target, revenues, EPS, net income and more

Choiceone Fin Services Inc - Earnings Report - Quarterly Results

Choiceone Fin Services Inc quarterly results: revenue, profit, and P&L – 13 quarter history

Quarterly Revenue Choiceone Fin Services Inc Jun-2026 Quarterly Revenue is $42 Million which is growth of -2.8% YoY.

Quarterly Net Profit Choiceone Fin Services Inc Jun-2026 Quarterly Net Profit is $12 Million which is growth of -7.9% YoY.

Choiceone Fin Services Inc - Competitors/Peers

Choiceone Fin Services Inc competitor comparison and performance snapshot within industry

Choiceone Fin Services Inc - Earnings Report - Annual Results

Choiceone Fin Services Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

Annual Revenue Choiceone Fin Services Inc Dec-2025 Annual Revenue is $162 Million which is growth of 75.0% YoY.

Annual Net Profit Choiceone Fin Services Inc Dec-2025 Annual Net Profit is $28 Million which is growth of 5.4% YoY.

Choiceone Fin Services Inc - Balance Sheet

Choiceone Fin Services Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

Total Shareholders Fund Choiceone Fin Services Inc Dec-2025 Total Shareholders Fund is $465 Million which is growth of 78.7% YoY.

Total Assets Choiceone Fin Services Inc Dec-2025 Total Assets is $4,411 Million which is growth of 62.0% YoY.

Choiceone Fin Services Inc - Ratios

Choiceone Fin Services Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

Book Value Per Share Choiceone Fin Services Inc Book Value Per Share is $32 which is growth of 11.2% YoY.

ROE Choiceone Fin Services Inc ROE is 0% which is growth of 0% YoY.

Choiceone Fin Services Inc - Cash Flow

Choiceone Fin Services Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

Cash From Operating Activity Choiceone Fin Services Inc Dec-2025 Cash From Operating Activity is $32 Million which is growth of -34.6% YoY.

Net Cash Flow Choiceone Fin Services Inc Dec-2025 Net Cash Flow is $-9 Million which is growth of -121.2% YoY.