# ChoiceOne Financial Services, Inc. (COFS)

> Financial Services · US · Reports in USD

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/COFS/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2026 | $ 59.09M | $ 13.70M | $ -1.70M | $ 233.37M | $ 470.00M |
| 2025 | $ 233.07M | $ 28.85M | $ 25.79M | $ 313.46M | $ 465.35M |
| 2024 | $ 146.20M | $ 28.09M | $ 49.34M | $ 210.75M | $ 260.42M |
| 2023 | $ 123.14M | $ 22.99M | $ 45.68M | $ 235.51M | $ 195.63M |
| 2022 | $ 99.57M | $ 26.41M | $ 48.99M | $ 85.26M | $ 168.87M |
| 2021 | $ 99.62M | $ 26.20M | $ 41.53M | $ 85.02M | $ 221.67M |
| 2020 | $ 99.89M | $ 19.89M | $ 8.44M | $ 12.42M | $ 227.27M |
| 2019 | $ 53.75M | $ 9.26M | $ 10.89M | $ 33.20M | $ 192.14M |
| 2018 | $ 41.53M | $ 9.68M | $ 7.59M | $ 10.03M | $ 80.48M |
| 2017 | $ 38.99M | $ 8.31M | $ 8.67M | $ 27.42M | $ 76.55M |
| 2016 | $ 38.79M | $ 8.38M | $ 12.53M | $ 20.21M | $ 71.70M |
| 2015 | $ 37.99M | $ 8.06M | $ 4.13M | $ 20.79M | $ 69.84M |
| 2014 | $ 36.48M | $ 8.05M | $ 9.45M | $ 45.11M | $ 66.19M |
| 2013 | $ 35.99M | $ 7.24M | $ 13.60M | $ 32.43M | $ 61.56M |
| 2012 | $ 39.14M | $ 6.15M | $ 12.59M | $ 19.99M | $ 60.51M |
| 2011 | $ 40.57M | $ 5.16M | $ 17.70M | $ 52.19M | $ 57.90M |
| 2010 | $ 41.83M | $ 4.10M | $ 11.68M | $ 30.72M | $ 54.31M |
| 2009 | $ 43.23M | $ 2.24M | $ 12.75M | $ 42.66M | $ 52.93M |
| 2008 | $ 46.36M | $ 2.17M | $ 9.79M | $ 77.53M | $ 52.19M |
| 2007 | $ 53.37M | $ 5.42M | $ 9.06M | $ 57.64M | $ 53.14M |
| 2006 | $ 30.77M | $ 3.16M | $ -12.81M | $ 39.38M | $ 51.52M |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.50 |
| Liabilities / Eq | 8.35 |
| Current Ratio | 0.52 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 11.67 |
| Gross Debt / FCF | 9.31 |

## Other views

- [Metrics](https://sponda.capital/en/COFS.md)
- [Charts](https://sponda.capital/en/COFS/charts.md)
- [Compare](https://sponda.capital/en/COFS/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-27.