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Home CompaniesChoiceOne Financial Services Inc

ChoiceOne Financial Services Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
37.235 USD 0.55 ( 1.49%)
Last update at 2026-11-09T14:51:00Z
VOLUME
1687
Market Cap
505.50M
P/E
8.94

Momentum Score

…

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
37.21
Low
37.40
High
52 Week Price Range
25.14
Low
34.70
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

ChoiceOne Financial Services, Inc. is a regional bank holding company offering commercial and consumer lending, deposit and mortgage services primarily in Michigan. Long-term growth may be supported by local loan growth, deposit retention and modest expansion of fee-based services, and investors may find the company attractive for its regional franchise and stable interest-earning asset base.

Key risks are interest-rate sensitivity, loan concentration and local economic exposure that could impair credit quality, competitive pressure from larger banks and fintechs, and regulatory or execution risk; investors should monitor asset quality and funding.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
36.69
Dividend Yield
3.40%
Revenue TTM
169.92M
Revenue Per Share
11.32
Gross Profit TTM
169.92M
Debt / Equity
0.68
ROE
11.97%
Net Debt
228.11M
ROCE
0.82%
Diluted EPS TTM
3.78

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 34.19M 33.09M 25.57M 27.66M 26.50M
Net income 28.18M 26.73M 21.26M 23.64M 22.04M
Selling general administrative 62.05M 34.74M 33.15M 30.39M 29.30M
Selling and marketing expenses 0.98M 0.79M 0.72M 0.76M 0.85M
Gross profit 112.19M 91.81M 80.64M 81.39M 79.83M
Reconciled depreciation 19.87M 12.33M 12.43M 1.15M 1.31M
Ebit - 33.09M 25.57M 35.40M 26.50M
Ebitda 34.19M 45.42M 38.00M 36.56M 27.80M
Depreciation and amortization - 12.33M 12.43M 1.15M 1.31M
Operating income 34.19M 33.09M 25.57M 35.40M 26.50M
Other operating expenses 158.70M 106.01M 88.32M 2.94M 53.34M
Interest expense 65.89M 46.66M 33.09M 7.75M 3.98M
Tax provision 6.01M 6.36M 4.31M 4.02M 4.46M
Interest income 202.96M 121.10M 98.98M 75.06M 64.62M
Net interest income 137.07M 74.44M 65.89M 67.31M 60.64M
Income tax expense 6.01M 6.36M 4.31M 4.02M 4.46M
Total revenue 192.89M 139.10M 113.89M 81.39M 79.83M
Total operating expenses 78.00M 58.72M 55.07M 2.94M -53.34M
Cost of revenue 80.70M 47.29M 33.24M - -
Total other income expense net -17.37M -1.04M -6.75M -7.75M -3.98M
Net income from continuing ops 28.18M 26.73M 21.26M 23.64M 22.04M
Net income applicable to common shares - - - 23.64M 22.04M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4410.55M 2723.24M 2597.84M 2385.91M 2366.68M
Intangible assets 31.15M 1.10M 1.85M 2.81M 3.96M
Other current assets -11.00M - 55.55M -17.50M 25.86M
Total liab 3945.20M 2462.83M 2402.20M 2217.04M 2145.01M
Total stockholder equity 465.35M 260.42M 195.63M 168.87M 221.67M
Other current liab 907.01M -155.00M 1763.59M -50.00M -50.00M
Common stock 398.39M 206.78M 173.51M 172.28M 171.91M
Capital stock 398.39M 206.78M 173.51M 172.28M 171.91M
Retained earnings 102.64M 91.41M 73.70M 68.39M 52.33M
Other liab - - - - 7.70M
Good will 129.85M 59.95M 59.95M 59.95M 59.95M
Other assets 3559.03M 2059.58M - 731.28M 25.86M
Cash 87.99M 96.40M 55.43M 43.94M 31.89M
Total current liabilities 245.69M 155.00M 1963.90M 50.00M 50.00M
Net debt 228.11M 114.00M 180.78M 91.32M 53.13M
Short term debt 245.69M 155.00M 200.31M 50.00M 50.00M
Short long term debt 245.00M 155.00M 30.00M 50.00M 50.00M
Short long term debt total 316.10M 210.75M 236.22M 135.26M 85.02M
Other stockholder equity - - - -71.80M -2.58M
Property plant equipment - - - 28.23M 29.88M
Total current assets 642.41M 575.52M 55.55M 590.84M 1130.77M
Long term investments 948.97M 881.43M 930.06M 972.80M 1116.26M
Net tangible assets - - - 106.12M 157.76M
Short term investments 554.42M 479.12M 514.60M 546.90M 1098.88M
Net receivables 11.00M - - - -
Long term debt 68.46M 55.75M 205.51M 85.26M 85.02M
Inventory - - - - 0.19M
Accounts payable - - - 2118.00M 2052.29M
Accumulated other comprehensive income -35.67M -37.78M -51.58M -71.80M -2.58M
Common stock total equity - - - 172.28M 171.91M
Retained earnings total equity - - - 68.39M 52.33M
Non currrent assets other -3808.36M -881.43M 2406.15M -1063.79M -1210.05M
Non current assets total 209.11M 88.14M 2542.28M 1063.79M 1210.05M
Long term debt total - - - 35.26M 35.02M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 34.80M -97.91M -181.37M -88.30M -508.62M
Change to liabilities - - - 6.21M 5.71M
Total cashflows from investing activities -29.42M -97.91M -181.37M -90.50M -521.37M
Net borrowings -80.21M -25.00M 150.00M - 73.17M
Total cash from financing activities -96.75M 90.58M 146.37M 57.54M 436.04M
Change to operating activities - - - - 0.30M
Net income 28.18M 26.73M 21.26M 23.64M 22.04M
Change in cash -96.75M 41.32M 11.49M 12.06M -47.63M
Begin period cash flow 96.75M 55.43M 43.94M 31.89M 79.52M
End period cash flow 87.99M 96.75M 55.43M 43.94M 31.89M
Total cash from operating activities 20.65M 48.65M 46.48M 45.02M 37.70M
Issuance of capital stock 0.89M 32.77M 0.23M 0.17M 0.14M
Depreciation 19.87M 12.33M 12.43M 13.34M 12.43M
Other cashflows from investing activities -29.42M -139.13M -222.18M -1.03M -10.00M
Dividends paid 16.95M 9.01M 7.91M 7.58M 7.20M
Sale purchase of stock -2.68M 0.00M -150.00M -0.77M -7.79M
Other cashflows from financing activities 2.20M 91.83M 4.05M 791.71M 465.22M
Change to netincome - - - 4.66M 3.37M
Capital expenditures 6.63M 1.71M 4.23M 1.16M 2.76M
Cash flows other operating - - - -2.83M -5.85M
Cash and cash equivalents changes - - - 12.06M -47.63M
Change in working capital -15.22M 13.97M 12.99M 2.00M 0.30M
Stock based compensation 0.88M 0.72M 1.00M 0.96M 0.81M
Other non cash items 7.70M -4.84M -1.18M 5.09M 1.20M
Free cash flow 23.88M 46.94M 42.25M 43.85M 34.94M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
COFS
ChoiceOne Financial Services Inc		 0.55
1.49%		 37.23 8.94 7.79 2.97 1.06 4.98
DBSDY
DBS Group Holdings Ltd ADR		 2.71
1.26%		 218.59 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.11
0.32%		 34.84 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

ChoiceOne Financial Services Inc

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

109 East Division Street, Sparta, MI, United States, 49345

616 887 7366

https://www.choiceone.bank

577

Name Title Year Born
Mr. Kelly J. Potes CFP CEO & Director 1962
Mr. Michael J. Burke Jr. Pres & Director 1970
Mr. Bradley A. Henion Sr. VP & Chief Lending Officer of ChoiceOne Bank 1970
Mr. Adom J. Greenland CFO, Sr. VP, Sec. & Treasurer 1981
Ms. Shelly M. Childers Sr. VP & Chief Information Officer 1963
Mr. Lee A. Braford Sr. VP & Chief Credit Officer of ChoiceOne Bank 1961
Mr. Peter Batistoni Sr. VP & Sr. Lender of ChoiceOne Bank 1966
Ms. Heather D. Brolick Sr. VP of HR of ChoiceOne Bank 1960
Mr. Daniel C. Wheat Mortgage Loan Originator NA
Mr. Michael J. Burke Jr. President & Director 1970

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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