Choiceone Financial Services vs Simmons First National
Choiceone Financial Services is the larger business, with $228m of revenue in fiscal 2025 against $103m for Simmons First National (2.2 times as much). Choiceone Financial Services grew faster (63.6% against -86.7%). Choiceone Financial Services kept more of each dollar of sales as profit: a net margin of 12.4% against -385.1%.
| Latest fiscal year | Choiceone Financial ServicesCOFS, 2025 | Simmons First NationalSFNC, 2025 |
|---|---|---|
| Revenue | $228m | $103m |
| Revenue growth | 63.6% | -86.7% |
| Net income | $28.2m | −$398m |
| Operating margin | — | — |
| Net margin | 12.4% | -385.1% |
| Return on equity | 7.8% | -11.4% |
| Free cash flow | $25.2m | $411m |
| Cash | $88.0m | $712m |
| Total debt | $0 | $620m |
| Debt to equity | — | — |
| Dividend per share | $1.13 | $0.85 |
| Dividend yield | 3.2% | 3.6% |
| Share buybacks | $2.7m | $0 |
| Employees | 598 | 2,917 |
| Market value | $540m | $3.41bn |
| Price vs our value range | — | — |
| Moat score | 53 (Moderate) | 44 (Weak) |
| Insider trades, 12 months | 8 buys, 1 sales | 0 buys, 0 sales |