CHOICEONE FINANCIAL financials
$32.78−0.52%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 |
|---|---|---|---|---|---|---|
| Revenue | $227.6M | $139.1M | $113.9M | $89.1M | $83.8M | $78.4M |
| Gross profit | $161.7M | $92.4M | $80.8M | $81.4M | $79.8M | $73.8M |
| Gross margin | 71.1% | 66.5% | 70.9% | 91.3% | 95.3% | 94.1% |
| Operating income | $34.2M | $33.1M | $25.6M | $27.7M | $26.5M | $18.9M |
| Net income | $28.2M | $26.7M | $21.3M | $23.6M | $22.0M | $15.6M |
| Net margin | 12.4% | 19.2% | 18.7% | 26.5% | 26.3% | 19.9% |
| Diluted EPS | $2.01 | $3.25 | $2.82 | $3.15 | $2.86 | $2.07 |
| EBITDA | $51.6M | $34.1M | $25.6M | $27.7M | $26.5M | $18.9M |
| Operating cash flow | $31.8M | $47.1M | $46.3M | $44.1M | $37.1M | $8.5M |
| Free cash flow | $25.2M | $45.4M | $42.1M | $42.9M | $34.3M | $6.6M |
| Diluted shares | 14.0M | 8.2M | 7.6M | 7.5M | 7.7M | 7.5M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $87.6M | $96.4M | $55.1M | $43.6M | $31.5M | $79.2M |
| Short-term investments | $980.4M | $896.5M | $939.9M | $973.2M | $1.12B | $586.0M |
| Total debt | $313.2M | $210.8M | $235.5M | $85.3M | $85.0M | $12.4M |
| Total assets | $4.41B | $2.72B | $2.58B | $2.39B | $2.37B | $1.92B |
| Total liabilities | $3.95B | $2.46B | $2.38B | $2.22B | $2.15B | $1.69B |
| Shareholders' equity | $465.4M | $260.4M | $195.6M | $168.9M | $221.7M | $227.3M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology