ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc. (Nasdaq: COFS) is a Michigan financial holding company whose primary business is banking through ChoiceOne Bank, a full-service institution serving commercial and individual customers. Its offerings include deposits, payment services, secured commercial and consumer loans,… From the company’s description.
Over the twelve months to Jun 30, 2026, ChoiceOne Financial Services, Inc. reported revenue of $171.77M, up 39.1% from a year earlier, and net income of $54.72M. Its pre-tax margin was 38.9%. In fiscal 2025, it reported revenue of $161.74M, up 75.0% from fiscal 2024, and net income of $28.18M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What ChoiceOne Financial Services, Inc. does
In the company’s own words
ChoiceOne Financial Services, Inc. (Nasdaq: COFS) is a Michigan financial holding company whose primary business is banking through ChoiceOne Bank, a full-service institution serving commercial and individual customers. Its offerings include deposits, payment services, secured commercial and consumer loans, safe-deposit and automated transaction services, and trust and wealth management; its insurance subsidiary also operates an independent insurance agency, and 109 Technologies develops intellectual property for a fintech product licensed to banks and bank holding companies. The company operates primarily as a single banking segment, serving western, central and southeastern Michigan. Its history includes the 2025 merger with Fentura Financial and the consolidation of The State Bank into ChoiceOne Bank, as well as earlier combinations with Valley Ridge, County Bank and Community Shores. At December 31, 2025, ChoiceOne had $4.4 billion in assets and served customers through 47 full-service offices, one drive-up office, five loan production offices and a wealth management office. Its website is www.choiceone.bank.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- SPARTA, MI
- Fiscal year end
- December
- CIK
- 803164
- SIC
- 6022
Financial performance, year by year
Fiscal 2011–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns ChoiceOne Financial Services, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · ChoiceOne Financial Services, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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