CHOICEONE FINANCIAL SERVICES INC
Company Stats
- Market Cap
- $483.2M
- as of Sep 30, 2026
- Shares Outstanding
- 15.0M
- Free Float
- 93.5%
Income Statement
- Revenue
- $227.6M
- Net Income
- $28.2M
- Revenue Growth, 3Y
- 36.7%
- FCF Margin, 3Y Avg
- 26.9%
- FCF Margin, Worst Year
- 11.1%
Cash Flow
- Free Cash Flow
- $25.2M
- FCF Yield
- 5.2%
- Owner FCF Yield
- 5.0%
Balance Sheet
- Cash & Equivalents
- $88.0M
Returns & Capital
- Dividends Paid
- $16.9M
- Dividend Yield
- 3.5%
- Dividend Payout, 3Y Avg
- 43.7%
- Share Repurchases
- $2.7M
- Buyback Yield, 3Y Avg
- 0.2%
- SBC, 3Y Avg
- $869,333
Cash Flow by Year
| Year | Revenue | FCF | Margin |
|---|---|---|---|
| FY2025 | $227.6M | $25.2M | 11.1% |
| FY2024 | $139.1M | $45.4M | 32.6% |
| FY2023 | $113.9M | $42.1M | 37.0% |
| FY2022 | $89.1M | $43.2M | 48.4% |
| FY2021 | — | $34.9M | — |
Annual filing data through FY ended December 31, 2025; shares and float as of October 7, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.
Stronger demand supports expansion as pricing diverges
Banks Post Broad Loan Growth as Funding Costs Ease