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CCHOICEONE FINANCIAL SERVICES INC

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CHOICEONE FINANCIAL SERVICES INC

$32.87Close · Sep 22, 2026
  • Overview
  • Financial statements
  • Metrics
    • Revenue & profit
    • Revenue by segment
    • Launches
    • Revenue concentration
    • Margins
    • Contracted revenue
    • Off-balance-sheet commitments
    • Cash flow
    • Cash & debt
    • Earnings per share
    • P/E ratio
    • Share count & dilution
  • Quarterly earnings
  • Similar companies
  • Insider Transactions
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Metrics

Revenue & profit
Revenue by segment
Margins
Contracted revenue
Cash flow
Cash & debt
Earnings per share
Share count & dilution

Metrics

Compare sales with the profit left after direct costs and the profit left after all expenses and taxes.Formula: Gross profit = revenue − cost of revenue Net income = total income − total expenses
Q2 ’26201720182019202020212022202320242025020M40M60M80M100MLatest period Q2 '26. Revenue 5.43M. Gross profit Unavailable. Net profit 12.46M.
RevenueGross profitNet profit
See which business lines, products, or regions generate the company’s sales.Formula: Company revenue = Σ(segment revenues) + reconciliation adjustments
Q2 ’2620172018201920202021202220232024202502M4M6MLatest period Q2 '26. Interchange Income 2.14M. Trust Fee Income 671K. Other Charges And Fees For Customer Services 155K. Customer Service Charges 1.75M. Insurance And Investment Commission Income 720K.
Other Charges And FeesInterchange IncomeService Charges And FeesInvestment Commission IncomeService Charges And Fees On Deposit AccountsTrust Fee IncomeOther Charges And Fees For Customer ServicesCredit And Debit Card FeesInsurance And Investment CommissionsCustomer Service ChargesInsurance And Investment Commission Income
See how much of each dollar of sales remains after direct costs, after running the business, and after all expenses and taxes.Formula: Gross margin = gross profit ÷ revenue × 100% Operating margin = operating income ÷ revenue × 100% Net margin = net income ÷ revenue × 100%
Q2 ’262017201820192020202120222023202420250%100%200%Latest period Q2 '26. Net profit margin 229.5%.
Gross marginOperating marginNet profit margin
Compare cash generated by the business, spending on long-lived assets, and what remains afterward.Formula: Free cash flow = operating cash flow − capital expenditures
$
Q2 ’26201720182019202020212022202320242025-10M010M20M30M
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    • Capex: purchases of property, plant and equipment
    Latest period Q2 '26. Operating cash flow 29.9M. Capex -2.8M. Free cash flow 27.1M.
    Operating cash flowCapexFree cash flow
    Compare the company’s cash cushion with its borrowings. Negative net cash means debt is greater than cash.Formula: Net cash = cash − debt
    20262017201820192020202120222023202420250100M200M300M
        Latest period 2026. Cash 88.6M. Debt 343.5M.
        CashDebtNet cash
        Profit for each share over the trailing 12 months, adjusted for stock splits.Formula: Earnings available to common shareholders ÷ weighted-average shares
        $/shareUsing split history cached 2026-09-23; assuming no new splits
        Q2 ’26201720182019202020212022202320242025-1.000.001.002.003.004.00
          • Earnings period 2017-01-01 to 2017-03-31. Shares as of 2017-03-31: 3,280,896 source shares.
          • Earnings period 2017-04-01 to 2017-06-30. Shares as of 2017-06-30: 3,452,354 source shares.
          • Earnings period 2017-07-01 to 2017-09-30. Shares as of 2017-09-30: 3,451,445 source shares.
          • Earnings period 2017-01-01 to 2017-12-31. Shares as of 2017-12-31: 3,448,569 source shares.
          • Earnings period 2018-01-01 to 2018-03-31. Shares as of 2018-03-31: 3,439,837 source shares.
          • Earnings period 2018-04-01 to 2018-06-30. Shares as of 2018-06-30: 3,613,080 source shares.
          • Earnings period 2018-07-01 to 2018-09-30. Shares as of 2018-09-30: 3,614,701 source shares.
          • Earnings period 2018-01-01 to 2018-12-31. Shares as of 2018-12-31: 3,616,483 source shares.
          • Earnings period 2019-01-01 to 2019-03-31. Shares as of 2019-03-31: 3,619,510 source shares.
          • Earnings period 2019-04-01 to 2019-06-30. Shares as of 2019-06-30: 3,632,917 source shares.
          • Earnings period 2019-07-01 to 2019-09-30. Shares as of 2019-09-30: 3,634,388 source shares.
          • Earnings period 2019-01-01 to 2019-12-31. Shares as of 2019-12-31: 7,245,088 source shares.
          • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: 7,249,533 source shares.
          • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: 7,261,605 source shares.
          • Earnings period 2020-07-01 to 2020-09-30. Shares as of 2020-09-30: 7,791,060 source shares.
          • Earnings period 2020-01-01 to 2020-12-31. Shares as of 2020-12-31: 7,796,352 source shares.
          • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 7,802,285 source shares.
          • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 7,692,537 source shares.
          • Earnings period 2021-07-01 to 2021-09-30. Shares as of 2021-09-30: 7,591,221 source shares.
          • Earnings period 2021-01-01 to 2021-12-31. Shares as of 2021-12-31: 7,510,379 source shares.
          • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 7,489,812 source shares.
          • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 7,503,072 source shares.
          • Earnings period 2022-07-01 to 2022-09-30. Shares as of 2022-09-30: 7,510,036 source shares.
          • Earnings period 2022-01-01 to 2022-12-31. Shares as of 2022-12-31: 7,516,098 source shares.
          • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 7,521,749 source shares.
          • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 7,534,658 source shares.
          • Earnings period 2023-07-01 to 2023-09-30. Shares as of 2023-09-30: 7,541,187 source shares.
          • Earnings period 2023-01-01 to 2023-12-31. Shares as of 2023-12-31: 7,548,217 source shares.
          • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: 7,556,137 source shares.
          • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: 7,573,618 source shares.
          • Earnings period 2024-07-01 to 2024-09-30. Shares as of 2024-09-30: 8,959,664 source shares.
          • Earnings period 2024-01-01 to 2024-12-31. Shares as of 2024-12-31: 8,965,483 source shares.
          • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: 14,975,034 source shares.
          • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: 15,008,864 source shares.
          • Earnings period 2025-07-01 to 2025-09-30. Shares as of 2025-09-30: 15,017,802 source shares.
          • Earnings period 2025-01-01 to 2025-12-31. Shares as of 2025-12-31: 15,000,939 source shares.
          • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 14,960,200 source shares.
          • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 14,950,472 source shares.
          Latest period Q2 2026. EPS (TTM) 3.66.
          EPS (TTM)
          How much investors pay for each dollar of the company’s yearly earnings. It is not useful when the company has no profit.Formula: Share price ÷ trailing 12-month EPS
          Using split history cached 2026-09-23; assuming no new splits
          historical price missing or staleMissinghistorical price missing or staleMissinghistorical price missing or staleMissingQ2 ’262017201820192020202120222023202420250x20x40x60x
          • Q1 2019: historical price missing or stale
          • Q2 2019: historical price missing or stale
          • Q3 2019: historical price missing or stale
          • Earnings period 2017-01-01 to 2017-03-31. Shares as of 2017-03-31: 3,280,896 source shares. Weekly price on 2017-03-31.
          • Earnings period 2017-04-01 to 2017-06-30. Shares as of 2017-06-30: 3,452,354 source shares. Weekly price on 2017-06-30.
          • Earnings period 2017-07-01 to 2017-09-30. Shares as of 2017-09-30: 3,451,445 source shares. Nearby weekly price on 2017-09-29.
          • Earnings period 2017-01-01 to 2017-12-31. Shares as of 2017-12-31: 3,448,569 source shares. Nearby weekly price on 2017-12-29.
          • Earnings period 2018-01-01 to 2018-03-31. Shares as of 2018-03-31: 3,439,837 source shares. Nearby weekly price on 2018-03-29.
          • Earnings period 2018-04-01 to 2018-06-30. Shares as of 2018-06-30: 3,613,080 source shares. Nearby weekly price on 2018-06-29.
          • Earnings period 2018-07-01 to 2018-09-30. Shares as of 2018-09-30: 3,614,701 source shares. Nearby weekly price on 2018-09-28.
          • Earnings period 2018-01-01 to 2018-12-31. Shares as of 2018-12-31: 3,616,483 source shares. Weekly price on 2018-12-31.
          • Earnings period 2019-01-01 to 2019-03-31. Shares as of 2019-03-31: 3,619,510 source shares.
          • Earnings period 2019-04-01 to 2019-06-30. Shares as of 2019-06-30: 3,632,917 source shares.
          • Earnings period 2019-07-01 to 2019-09-30. Shares as of 2019-09-30: 3,634,388 source shares.
          • Earnings period 2019-01-01 to 2019-12-31. Shares as of 2019-12-31: 7,245,088 source shares. Nearby weekly price on 2020-01-03.
          • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: 7,249,533 source shares. Nearby weekly price on 2020-04-03.
          • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: 7,261,605 source shares. Nearby weekly price on 2020-07-02.
          • Earnings period 2020-07-01 to 2020-09-30. Shares as of 2020-09-30: 7,791,060 source shares. Nearby weekly price on 2020-10-02.
          • Earnings period 2020-01-01 to 2020-12-31. Shares as of 2020-12-31: 7,796,352 source shares. Weekly price on 2020-12-31.
          • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 7,802,285 source shares. Nearby weekly price on 2021-04-01.
          • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 7,692,537 source shares. Nearby weekly price on 2021-07-02.
          • Earnings period 2021-07-01 to 2021-09-30. Shares as of 2021-09-30: 7,591,221 source shares. Nearby weekly price on 2021-10-01.
          • Earnings period 2021-01-01 to 2021-12-31. Shares as of 2021-12-31: 7,510,379 source shares. Weekly price on 2021-12-31.
          • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 7,489,812 source shares. Nearby weekly price on 2022-04-01.
          • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 7,503,072 source shares. Nearby weekly price on 2022-07-01.
          • Earnings period 2022-07-01 to 2022-09-30. Shares as of 2022-09-30: 7,510,036 source shares. Weekly price on 2022-09-30.
          • Earnings period 2022-01-01 to 2022-12-31. Shares as of 2022-12-31: 7,516,098 source shares. Nearby weekly price on 2022-12-30.
          • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 7,521,749 source shares. Weekly price on 2023-03-31.
          • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 7,534,658 source shares. Weekly price on 2023-06-30.
          • Earnings period 2023-07-01 to 2023-09-30. Shares as of 2023-09-30: 7,541,187 source shares. Nearby weekly price on 2023-09-29.
          • Earnings period 2023-01-01 to 2023-12-31. Shares as of 2023-12-31: 7,548,217 source shares. Nearby weekly price on 2023-12-29.
          • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: 7,556,137 source shares. Nearby weekly price on 2024-03-28.
          • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: 7,573,618 source shares. Nearby weekly price on 2024-06-28.
          • Earnings period 2024-07-01 to 2024-09-30. Shares as of 2024-09-30: 8,959,664 source shares. Nearby weekly price on 2024-09-27.
          • Earnings period 2024-01-01 to 2024-12-31. Shares as of 2024-12-31: 8,965,483 source shares. Nearby weekly price on 2025-01-03.
          • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: 14,975,034 source shares. Nearby weekly price on 2025-03-28.
          • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: 15,008,864 source shares. Nearby weekly price on 2025-06-27.
          • Earnings period 2025-07-01 to 2025-09-30. Shares as of 2025-09-30: 15,017,802 source shares. Nearby weekly price on 2025-10-03.
          • Earnings period 2025-01-01 to 2025-12-31. Shares as of 2025-12-31: 15,000,939 source shares. Nearby weekly price on 2026-01-02.
          • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 14,960,200 source shares. Nearby weekly price on 2026-04-02.
          • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 14,950,472 source shares. Nearby weekly price on 2026-07-02.
          Latest period Q2 2026. P/E ratio 9.3x.
          P/E ratio
          See how the number of shares changes over time. More shares can mean each existing share owns a smaller slice of the company.Formula: Outstanding shares = issued shares − treasury shares Share-count growth = (current shares ÷ previous shares − 1) × 100%
          Stock split history may be out of date.
          202620172018201920202021202220232024202505M10M15M
          2017-05-08: Stock split 105-for-100
          2018-05-09: Stock split 105-for-100
              Latest period 2026. Shares outstanding 15M. Class detail unavailable 15M.
              Class detail unavailableStock split