Company

CHOICEONE FINANCIAL SERVICES INC (COFS)

Standardized SEC financial data for CHOICEONE FINANCIAL SERVICES INC — income statement, balance sheet, cash flow and 40+ ratios, available as a clean JSON API. CIK 0000803164 · NASDAQ · State Commercial Banks.

Operating margin

30.8%

Net margin

12.4%

Revenue growth (YoY)

1681.0%

Return on equity

6.0%

Free cash flow

$25.2M

EPS (diluted)

$2.01

Ratios for fiscal year 2025, standardized from SEC filings.

Income statement

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	—	—	$89.1M	$113.9M	$139.1M	$227.6M
Operating income	$18.9M	$26.5M	$27.7M	$28.1M	$48.2M	$70.0M
Interest expense	$4.9M	$4.0M	$7.7M	$33.1M

Balance sheet

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash & equivalents	$79.5M	$31.9M	$43.9M	$55.4M	$96.8M	$88.0M
Property, plant & equipment	$29.5M	$29.9M	$28.2M	$29.8M	$27.1M	$48.1M
Goodwill	$60.5M	$59.9M	$59.9M	$59.9M

Cash flow

USD	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Operating cash flow	$8.5M	$37.7M	$44.3M	$46.3M	$47.1M	$31.8M
Capital expenditures	$1.9M	$2.8M	$1.2M	$4.2M	$1.7M	$6.6M
Free cash flow	$6.6M	$34.9M	$43.2M	$42.1M

Get COFS data via API

# JSON
curl https://sec-financial-api-production.up.railway.app/v1/company/COFS/financials \
  -H "X-API-Key: YOUR_KEY"

# CSV export (income / balance / cash-flow)
curl "https://sec-financial-api-production.up.railway.app/v1/company/COFS/income-statement?format=csv" \
  -H "X-API-Key: YOUR_KEY"

Get a free API key Use with Claude (MCP) →View COFS filings on SEC EDGAR →