COFS
ChoiceOne Financial Services Inc
NASDAQ: COFS · FINANCIAL SERVICES · BANKS - REGIONAL
$31.16
+1.00% today
Updated 2026-05-06
Market cap
$457.78M
P/E ratio
7.25
P/S ratio
2.68x
EPS (TTM)
$4.22
Dividend yield
3.80%
52W range
$26 – $35
Volume
0.1M
ChoiceOne Financial Services Inc (COFS) Financial statements
SEC filings — annual and quarterly data.
Profit margin
32.60%
Operating margin
44.60%
ROE
12.40%
ROA
1.28%
Debt/equity
—
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $20.32M | $2.09M | 56.22% | 13.42% | 10.27% |
| 2007 | $35.25M | $3.58M | 55.58% | 12.82% | 10.16% |
| 2008 | $31.05M | $1.44M | 52.73% | 3.96% | 4.62% |
| 2009 | $28.55M | $1.48M | 58.10% | 4.49% | 5.18% |
| 2010 | $27.53M | $2.71M | 67.61% | 12.22% | 9.85% |
| 2011 | $27.61M | $3.51M | 73.73% | 16.56% | 12.72% |
| 2012 | $27.11M | $4.26M | 81.34% | 20.68% | 15.72% |
| 2013 | $25.26M | $5.09M | 93.19% | 27.22% | 20.17% |
| 2014 | $25.82M | $5.70M | 95.15% | 30.10% | 22.06% |
| 2015 | $27.05M | $5.74M | 95.97% | 28.42% | 21.23% |
| 2016 | $28.19M | $6.09M | 96.56% | 29.27% | 21.60% |
| 2017 | $28.94M | $6.17M | 93.22% | 29.56% | 21.31% |
| 2018 | $31.45M | $7.33M | 92.06% | 26.99% | 23.32% |
| 2019 | $41.64M | $7.17M | 88.71% | 20.33% | 17.22% |
| 2020 | $78.41M | $15.61M | 88.98% | 24.08% | 19.91% |
| 2021 | $83.81M | $22.04M | 94.76% | 31.62% | 26.30% |
| 2022 | $89.13M | $23.64M | 91.03% | 31.03% | 26.52% |
| 2023 | $113.89M | $21.26M | 70.81% | 22.45% | 18.67% |
| 2024 | $139.10M | $26.73M | 66.00% | 23.79% | 19.21% |
| 2025 | $192.89M | $28.18M | 58.16% | 17.72% | 14.61% |