profit from every $100 of sales.
$0$100
ChoiceOne Financial Services
$36.91+0.11% today
+23.9% in 1 year
1-year low $27.031-year high $37.61
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $19.55 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What ChoiceOne Financial Services sold, what it kept, and what it did with the cash.
Sales went from $81.4 million in 2022 to $162 million in 2025, with $28.2 million of profit last year.
SalesProfit
ChoiceOne Financial Services handed back 78% of the cash it generated last year.
$17M
Free cash flow 2025$25M
Bought back its own shares$3M
Paid as dividends$17M
Cash vs. debt$88M vs. $313M
ChoiceOne Financial Services vs. similar companies
ChoiceOne Financial Services grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| ChoiceOne Financial Services | 19.6× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads ChoiceOne Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 81 | 81 | 92 | 162 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 24 | 21 | 27 | 28 | |
| 3.15 | 2.82 | 3.25 | 2.01 | |
| – | – | – | – | |
| – | – | – | – | |
| 29.0% | 26.3% | 28.9% | 17.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,386 | 2,577 | 2,723 | 4,411 |
| Cash | 44 | 55 | 97 | 88 |
| Total debt | 85 | 236 | 211 | 313 |
| Total liabilities | 2,217 | 2,381 | 2,463 | 3,945 |
| 169 | 196 | 260 | 465 | |
| 8 | 8 | 8 | 14 | |
| – | – | – | – | |
| 14.0% | 10.9% | 10.3% | 6.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 44 | 46 | 47 | 32 | |
| 1 | 4 | 2 | 7 | |
| 43 | 42 | 45 | 25 | |
| Dividends paid | 8 | 8 | 9 | 17 |
| 1 | 0 | 0 | 3 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 19.6×
- 10.3×
- –
- 1.0×
- 3.4×
- 5.1%
- 3.7%
Profitability
- 17.4%
- 1.3%
- 6.1%
- 12.3%
- 1.3%
Growth
- +25.7%
- −13.9%
- +6.6%
- +16.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 32%of 854
Top 35%of 733
Bottom 28%of 876
Top 18%of 878
Bottom 41%of 929
What analysts expect
- Average price target
- $34.00
- Range
- $34.00 – $34.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 24, 2026 | 0.91 | 0.85 | +7.1% |
| Jan 30, 2026 | 0.92 | 0.91 | +1.1% |
| Oct 24, 2025 | 0.97 | 0.86 | +12.8% |
| Jul 25, 2025 | 0.91 | 0.80 | +13.7% |
| Apr 30, 2025 | 0.86 | 0.82 | +4.9% |
| Mar 11, 2025 | 0.84 | – | – |
| Oct 23, 2024 | 0.85 | 0.74 | +14.9% |
| Jul 25, 2024 | 0.87 | 0.76 | +14.5% |
3.7%of the share price, paid each year
On $1,000 invested$37a year at today's yield, before tax
+6.6%2020 to 2025
Raised5 yearsin a row, in our data
Paid per share, each year
$0.60 in 2015 → $1.13 in 2025
How safe it looks
60.2% of its profit
Room to growStretchedMore than it earns: 67.3%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
45No pass
Benjamin Graham
66Pass
Philip Fisher
55No pass
Peter Lynch
50No pass
Joel Greenblatt
11No pass
Charlie Munger
39No pass
Terry Smith
32No pass
Questions about ChoiceOne Financial Services
Is ChoiceOne Financial Services a good stock to buy?
A solid business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the ChoiceOne Financial Services AI analysis
What does ChoiceOne Financial Services do?
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. It is in Banks - Regional.
Does ChoiceOne Financial Services pay a dividend?
Yes. At today's price the dividend is 3.7% a year, about 60% of its yearly profit. In 2025 it paid out $16.9 million in dividends.
Is ChoiceOne Financial Services stock halal?
No. ChoiceOne Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has ChoiceOne Financial Services stock done over the past year?
Up 23.9% over the past twelve months, to $36.91. It traded between $27.03 and $37.61, close to its high.
Who are ChoiceOne Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with ChoiceOne Financial Services's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.