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Choiceone Financial Services Inc key statistics and ratios

In fiscal 2025, Choiceone Financial Services Inc had return on equity of 7.8% and a net margin of 12.4%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin6.9%12.0%14.6%17.4%21.4%23.1%22.0%22.4%21.7%25.3%19.4%21.2%27.6%26.5%18.7%19.2%12.4%31.9%
Return on equity2.8%5.1%6.3%7.2%8.3%8.9%8.4%8.6%8.3%9.3%5.3%7.4%9.8%12.4%11.9%11.7%7.8%11.5%
Return on assets—0.6%0.7%0.8%1.0%1.1%1.0%1.0%1.0%1.1%0.7%0.9%1.0%1.0%0.9%1.0%0.8%1.2%
Effective tax rate−15.2%19.4%23.2%24.0%25.9%26.7%25.3%26.2%27.9%13.6%15.3%17.3%16.8%14.5%16.8%19.2%17.6%18.1%
Dividends ÷ net income105.8%58.0%44.9%38.7%34.9%34.2%37.8%36.6%37.7%35.2%81.1%39.5%32.7%32.1%37.2%33.7%60.2%31.5%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

53 /100

Moderate moat

How hard Choiceone Financial Services's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 11 / 20

    Net income has been a median 0.9% of total assets over 10 years.

  • Durability 14 / 20

    Net margin has been a median 23.6%; its worst year was 11.4%.

  • Discipline 10 / 20

    The diluted share count rose 93.1% over five years; stock-based pay has been a median 0.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (58 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: COFS vs SFNCBWB vs COFSCOFS vs FSBC

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Choiceone Financial Services Inc's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Choiceone Financial Services Inc.