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About the company
ChoiceOne Financial Services, Inc. is a financial holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank and The State Bank. It operates 56 offices in parts of Kent, Ottawa, Muskegon, Newaygo, Lapeer, St. Clair, Macomb, Genesee, Jackson, Livingston, Ingham, Saginaw, Shiawassee, and Bay counties. It offers deposit, payment, credit and other financial services to all types of customers. Its services include time, savings, and demand deposits, safe deposit services, and automated transaction machine services. Commercial lending covers such categories as business, industry, agricultural, construction, inventory, and real estate. It provides services to small businesses and consumers in West, Central and Southeast Michigan a line of products and services delivered through a retail network including digital and branch banking. It offers insurance and investment products through ChoiceOne Insurance Agencies, Inc.
- Revenue in USD (TTM)202.96m
- Net income in USD28.18m
- Incorporated1986
- Employees569.00
- LocationChoiceOne Financial Services Inc109 E Division,P O Box 186SPARTA 49345-0186United StatesUSA
- Phone+1 (616) 887-7366
- Websitehttps://www.choiceone.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Isabella Bank Corp | 93.93m | 18.22m | 387.34m | 368.00 | 21.52 | 1.71 | 19.04 | 5.11 | 2.46 | 2.46 | 10.23 | 30.94 | -- | -- | -- | -- | 0.8343 | 0.8444 | -- | -- | -- | -- | 24.01 | 24.36 | -- | -- | -- | 48.82 | 12.99 | 5.98 | -23.55 | 1.29 | 9.55 | 1.11 |
| Greene County Bancorp Inc | 125.64m | 36.55m | 405.41m | 190.00 | 11.09 | 1.57 | 10.77 | 4.81 | 2.15 | 2.15 | 4.95 | 15.17 | -- | -- | -- | -- | 1.20 | 1.10 | -- | -- | -- | -- | 43.38 | 40.00 | -- | -- | -- | 10.80 | 13.54 | 17.16 | 25.71 | 10.70 | -9.14 | 5.73 |
| Investar Holding Corp | 142.39m | 22.55m | 406.30m | 329.00 | 13.55 | 1.10 | 15.67 | 4.54 | 2.18 | 2.18 | 8.61 | 30.05 | -- | -- | -- | -- | 0.8236 | 0.7362 | -- | -- | -- | -- | 25.81 | 20.84 | -- | -- | -- | 18.53 | 8.01 | 9.97 | 21.44 | 3.96 | -42.31 | 13.23 |
| Bank7 Corp | 128.75m | 43.07m | 416.83m | 124.00 | 9.79 | 1.66 | 12.59 | 4.33 | 4.50 | 4.50 | 10.07 | 26.52 | -- | -- | -- | -- | 2.33 | 2.14 | -- | -- | -- | -- | 44.69 | 41.08 | -- | -- | -- | 20.45 | -2.11 | 19.29 | -5.75 | 17.46 | -- | 20.59 |
| Pra Group Inc | 1.16bn | -343.21m | 425.66m | 2.81k | -- | 0.4592 | -- | 0.3664 | -8.80 | -8.80 | 29.44 | 23.76 | 0.2339 | -- | 0.269 | 372,930.70 | -6.57 | 2.27 | -6.92 | 2.40 | 79.54 | 79.97 | -28.10 | 9.97 | -- | 1.42 | 0.792 | 0.00 | 38.87 | 1.85 | 184.58 | -3.90 | -25.84 | -- |
| FIRST BANK (Hamilton) | 236.45m | 43.66m | 430.85m | 311.00 | 9.92 | 0.9635 | 41.03 | 2.93 | 1.74 | 1.74 | 5.85 | 17.88 | -- | -- | -- | -- | 1.13 | 1.13 | -- | -- | -- | -- | 29.66 | 31.43 | -- | -- | -- | 14.32 | 6.45 | 21.53 | 3.35 | 17.55 | -- | 14.87 |
| West Bancorporation Inc | 192.23m | 32.56m | 432.16m | 180.00 | 13.38 | 1.62 | 15.16 | 4.54 | 1.91 | 1.91 | 5.57 | 15.70 | -- | -- | -- | -- | 0.7983 | 0.9494 | -- | -- | -- | -- | 34.19 | 38.35 | -- | -- | -- | 46.79 | 1.14 | 13.91 | 35.38 | -0.0931 | -- | 3.55 |
| NewtekOne Inc | 309.47m | 58.18m | 433.56m | 591.00 | 6.09 | 1.09 | 7.37 | 1.40 | 2.19 | 2.19 | 11.71 | 13.87 | 0.1288 | -- | 11.70 | -- | 2.52 | 3.75 | 5.40 | 5.80 | 94.25 | -- | 19.55 | 25.53 | -- | 2.10 | 0.8492 | 75.37 | 13.34 | 24.47 | 18.12 | 11.59 | -- | -18.00 |
| Bank of Marin Bancorp | 152.43m | -35.68m | 438.80m | 312.00 | -- | 1.11 | -- | 13.07 | -2.24 | -2.24 | 2.10 | 24.51 | -- | -- | -- | -- | -0.9381 | 0.2871 | -- | -- | -- | -- | -106.23 | 11.88 | -- | -- | -- | 142.08 | 7.90 | 8.87 | -324.25 | -- | -- | 1.68 |
| Choiceone Financial Services Inc | 202.96m | 28.18m | 442.38m | 569.00 | 19.75 | 0.9506 | 15.33 | 2.74 | 1.49 | 1.49 | 11.59 | 31.02 | -- | -- | -- | -- | 0.7899 | 0.9219 | -- | -- | -- | -- | 17.42 | 24.56 | -- | -- | -- | 40.46 | 67.59 | 29.51 | 5.42 | 12.53 | -- | 6.62 |
| GBank Financial Holdings Inc | 84.33m | 20.93m | 467.58m | 184.00 | 22.86 | 2.87 | 34.11 | 6.15 | 1.44 | 1.44 | 5.25 | 11.52 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 27.53 | -- | -- | -- | -- | -- | 12.09 | -- | 12.30 | -- | -- | -- |
| Community West Bancshares | 185.71m | 38.17m | 470.08m | 338.00 | 12.26 | 1.15 | 15.57 | 3.21 | 2.00 | 2.00 | 7.69 | 21.37 | -- | -- | -- | -- | 1.06 | 0.9244 | -- | -- | -- | -- | 26.02 | 24.35 | -- | -- | -- | 27.95 | 15.79 | 22.98 | 397.89 | 13.41 | -- | 1.76 |
| Carter Bankshares Inc | 229.43m | 30.82m | 478.98m | 680.00 | 16.01 | 1.18 | 12.34 | 3.24 | 1.36 | 1.36 | 6.52 | 18.43 | -- | -- | -- | -- | 0.6593 | 0.3921 | -- | -- | -- | -- | 21.07 | 11.80 | -- | -- | -- | -- | 12.89 | 6.86 | 4.69 | -1.75 | -0.7689 | -- |
| Southern First Bancshares Inc | 211.48m | 30.37m | 480.13m | 297.00 | 15.62 | 1.30 | 20.15 | 4.07 | 3.74 | 3.74 | 14.56 | 44.89 | -- | -- | -- | -- | 0.7152 | 0.7424 | -- | -- | -- | -- | 25.71 | 26.45 | -- | -- | -- | -- | 5.10 | 17.40 | 95.53 | 10.63 | -- | -- |
| First Business Financial Services Inc | -100.00bn | -100.00bn | 486.20m | 365.00 | -- | 1.31 | -- | -- | -- | -- | -- | 44.63 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Streamex Corp | 13.00k | -39.89m | 496.02m | 5.00 | -- | -- | -- | 38,155.46 | -1.40 | -1.40 | 0.0005 | -0.1933 | 0.0002 | -- | 0.321 | 2,600.00 | -60.41 | -266.73 | -1,739.84 | -392.02 | -- | -- | -306,546.20 | -20,163.95 | -- | -3.00 | -- | -- | 122.22 | -- | 63.81 | -- | -- | -- |
Data as of Feb 11 2026. Currency figures normalised to ChoiceOne Financial Services Inc's reporting currency: US Dollar USD
28.36%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Fourthstone LLCas of 30 Sep 2025 | 1.09m | 7.28% |
| BlackRock Fund Advisorsas of 30 Sep 2025 | 781.55k | 5.20% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 708.82k | 4.72% |
| AllianceBernstein LPas of 30 Sep 2025 | 349.78k | 2.33% |
| Geode Capital Management LLCas of 30 Sep 2025 | 330.67k | 2.20% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 280.47k | 1.87% |
| Manulife Investment Management (US) LLCas of 30 Sep 2025 | 225.69k | 1.50% |
| ProShare Advisors LLCas of 31 Dec 2025 | 192.10k | 1.28% |
| Jacobs Asset Management LLCas of 30 Sep 2025 | 149.87k | 1.00% |
| Tontine Associates LLCas of 30 Sep 2025 | 148.55k | 0.99% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
