ChoiceOne Financial Services (COFS) Financials

$33.36

$-0.44 (-1.30%)

As on 16-Sep-2026 16:00EDT

Market cap

$509 Mln

Revenue (TTM)

$183 Mln

P/E Ratio

9

P/B Ratio

1.1

Div. Yield

3.4 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	182.65	192.89	139.10	113.89	89.13	83.81
Cost of Revenue	68.90	80.70	47.29	33.25	8.00	4.39
Gross Profit	113.75	112.19	91.81	80.64	81.14	79.42
Operating Expenses	78.64	78.00	58.72	55.07	53.48	52.92
Operating Profit (EBIT)	35.11	34.19	33.09	25.57	27.66	26.50
Other Income	--	--	--	--	--	--
Profit before Tax	66.83	34.19	33.09	25.57	27.66	26.50
Provision for Tax	12.12	6.01	6.36	4.31	4.02	4.46
Profit after Tax (Net Income)	54.72	28.18	26.73	21.26	23.64	22.04
Minority Interest	--	--	--	--	--	--
Consolidated Profit	--	--	--	--	23.64	22.04

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	482.68	465.35	260.42	195.63	168.87	221.67
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	77.53	100.17	93.73	239.02	49.04	42.72
Current Liabilities	3,896.68	3,845.03	2,369.10	2,142.06	2,168.00	2,102.29
Total Liabilities	8,353.57	4,410.55	2,723.24	2,576.71	2,385.92	2,366.68

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	3,812.67	4,188.29	2,147.38	2,006.68	1,812.22	1,235.91
Current Assets	644.22	222.27	575.87	570.03	573.69	1,130.77
Total Assets	5,101.11	4,410.55	2,723.24	2,576.71	2,385.92	2,366.68
Total Debt*	343.50	313.46	210.75	235.51	85.26	85.02
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	31.81	48.65	46.48	45.02	37.70
Cash Flow from Investing Activities	--	106.69	-97.91	-181.37	-90.50	-521.37
Cash from Financing Activities	--	-147.26	90.58	296.37	57.54	436.04
Net Cash Inflow / Outflow	--	--	--	--	12.06	-47.63

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	3.63	1.87	3.13	2.81	3.15	2.91
Cash EPS ($)	--	3.19	4.57	4.46	3.30	3.08
Adjusted Book Value ($)	--	30.89	30.48	25.87	22.49	29.25
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	2.11	5.69	6.15	5.99	4.97
Free Cash Flow per Share ($)	--	1.67	5.49	5.59	5.84	4.61

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	4.51	5.92	6.21	8.43	8.07
ROE (%)	11.54	7.76	11.72	11.67	12.11	9.82
ROA (%)	1.14	0.79	1.01	0.86	0.99	1.03
EBIT Margin (%)	19.22	17.72	23.79	22.45	31.03	31.62
Net Margin (%)	29.96	14.61	19.21	18.67	26.52	26.30
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	2.67	0.39	0.22	0.28	0.06	0.07
EBIT Growth (%)	104.79	3.32	29.42	-7.56	4.38	40.31
Net Profit Growth (%)	287.09	5.42	25.71	-10.06	7.25	41.18
EPS Growth (%)	178.32	-0.40	0.11	-0.11	0.08	0.45
Book Value Growth (%)	11.56	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	9.01	15.78	11.39	10.42	9.21	9.11
Price / Book Value	1.06	0.96	1.17	1.13	1.29	0.91
Dividend Yield (%)	3.39	--	--	--	--	--
EV/EBITDA	--	9.91	-1.33	-2.97	-6.60	-21.71
Close Price ($)	34.00	29.52	35.64	29.30	29.00	26.49
High Price ($)	35.40	36.26	38.15	32.14	29.99	31.45
Low Price ($)	26.10	24.89	21.52	15.84	19.20	22.76
Market Cap ($ Cr)	509.24	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	0.14	0.67	0.81	1.20	0.50	0.38
Short term debt to equity ratio	0.61	0.53	0.60	0.10	0.30	0.23
Current Ratio	0.17	0.06	0.24	0.27	0.26	0.54
Quick Ratio	0.17	--	--	--	--	0.54
Interest Coverage	1.98	0.52	0.71	0.77	3.57	6.66

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	--	5.70	--	--	--	--
Asset Turnover	0.04	0.05	0.05	0.05	0.04	0.04
Receivable days	--	20.83	--	--	--	--
Inventory Days	--	--	--	--	8.86	19.12
Payable days	--	--	--	23,269.68	95,247.69	154,934.22
Cash Conversion Cycle	--	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.