ChoiceOne Financial Services, Inc. (COFS) Revenue History
Annual and quarterly revenue from 2014 to 2025
Compound Annual Growth Rate (CAGR)
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COFS Revenue Growth
Revenue Breakdown (FY 2025)
COFS's revenue distribution by segment and geography for fiscal year 2025
By Product/Segment
COFS Revenue Analysis (2014–2025)
As of May 8, 2026, ChoiceOne Financial Services, Inc. (COFS) generated trailing twelve-month (TTM) revenue of $227.6 million, reflecting explosive growth of +67.8% year-over-year. The most recent quarter (Q4 2025) recorded $60.5 million in revenue, down 2.2% sequentially.
Looking at the longer-term picture, COFS's 5-year compound annual growth rate (CAGR) stands at +19.7%, indicating consistent double-digit revenue growth. The company achieved its highest annual revenue of $192.9 million in 2025, representing a new all-time high.
Revenue diversification analysis shows COFS's business is primarily driven by Interchange Income (70%), Trust Fee Income (23%), and Other Charges and Fees for Customer Services (7%). With over half of revenue concentrated in Interchange Income, the company maintains significant focus in this area while developing other growth vectors.
When compared to Financial Services sector peers including MBWM, IBCP, and CZWI. Compare COFS vs MBWM →
COFS Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| COFSCurrent | $228M | +67.8% | +19.7% | 17.7% | |
 MBWM | $372M | - | - | 27.5% | |
 IBCP | $315M | - | - | 25.8% | |
 CZWI | $90M | - | - | 7.0% | |
 BWFG | $208M | - | - | 23.3% | |
 LKFN | $422M | - | - | 29.8% |
COFS Historical Revenue Data (2014–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $192.9M | - | $112.2M | 58.2% | $34.2M | 17.7% |
| 2024 | $139.1M | - | $91.8M | 66.0% | $33.1M | 23.8% |
| 2023 | $113.9M | - | $80.6M | 70.8% | $25.6M | 22.4% |
| 2022 | $89.1M | - | $81.1M | 91.0% | $27.7M | 31.0% |
| 2021 | $83.8M | - | $79.4M | 94.8% | $26.5M | 31.6% |
| 2020 | $78.4M | - | $69.8M | 89.0% | $18.9M | 24.1% |
| 2019 | $41.6M | - | $36.9M | 88.7% | $8.5M | 20.3% |
| 2018 | $31.4M | - | $28.9M | 92.1% | $8.5M | 27.0% |
| 2017 | $28.9M | - | $27.0M | 93.2% | $8.6M | 29.6% |
| 2016 | $28.2M | - | $27.2M | 96.6% | $8.3M | 29.3% |
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Start ComparisonCOFS — Frequently Asked Questions
Quick answers to the most common questions about buying COFS stock.
Is COFS's revenue growth accelerating or slowing?
COFS revenue is accelerating at +67.8% year-over-year, exceeding the 5-year CAGR of +19.7%. TTM revenue reached $228M. Growth momentum has increased versus prior periods.
What is COFS's long-term revenue growth rate?
ChoiceOne Financial Services, Inc.'s 5-year revenue CAGR of +19.7% reflects the sustained expansion pattern. Current YoY growth of +67.8% is above this long-term average.
How is COFS's revenue distributed by segment?
COFS reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2014-2025 are available for download. Segment mix reveals concentration and diversification trends.