What is ChoiceOne Financial's debt-to-equity?

ChoiceOne Financial (COFS) reported debt-to-equity of 0× in Q4 2025.

What is the long-term trend for ChoiceOne Financial's debt-to-equity?

Over 2 years (2023 to 2025), ChoiceOne Financial's debt-to-equity has grown at a 30.2% compound annual growth rate (CAGR), from 0× to 0×.

What does debt-to-equity mean?

Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.

ChoiceOne Financial COFS Debt-to-equity

Debt-to-equity at other companies

JPMorgan ChaseJPM

1.4×+0.1×

Ally FinancialALLY

1.5×+0.2×

Huntington BancsharesHBAN

0.7×-0.2×

Financial InstitutionsFISI

0.4×0.0×

Capital City Bank GroupCCBG

0.1×0.0×

Pioneer Bancorp, Inc.PBFS

0.2×0.0×

Other financials

Income statement

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Revenue$42.5M+35.9%

Net income$13.7M+199%

EPS (diluted)$0.91+171%

Balance sheet

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Cash & equivalents$84.2M-39.6%

Total debt$2.9M+360%

Total equity$470.0M+10.1%

Total assets$4.4B+2.1%

Cash flow

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Operating cash flow-$177.0K+98.1%

CapEx$1.5M+82.5%

Free cash flow-$1.7M+83.4%

Valuation

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Market cap$490.73M+17.4%

P/E8.8×-49.4×

P/S2.8×-1.2×

Profitability

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Net margin32.3%+25.3pp

FCF margin19.5%—

Returns & leverage

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Return on equity12.4%+10.2pp

Where this comes from

Calculated from ChoiceOne Financial’s reported figures.

total debt/total stockholders equity=0×

Based on the most recent quarter.

The official record: ChoiceOne Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's debt-to-equity?: ChoiceOne Financial (COFS) reported debt-to-equity of 0× in Q4 2025.
What is the long-term trend for ChoiceOne Financial's debt-to-equity?: Over 2 years (2023 to 2025), ChoiceOne Financial's debt-to-equity has grown at a 30.2% compound annual growth rate (CAGR), from 0× to 0×.
What does debt-to-equity mean?: Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.