All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2021-04-01.
From the record
ChoiceOne Financial Services, Inc.'s filings since 2017 show 3 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 3 times, the latest 2021-04-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+29.1% a year over 10 filed years; profitable in 10 of 10.
From the record
ChoiceOne Financial Services, Inc.'s 10 filed years say what it did: revenue went from $20 million in fiscal 2016 to $203 million in fiscal 2025, up 29.1% a year; it rose in 9 of 9 years; it never fell from a peak; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 22.9% a year. 29% of cash flow returned. Insiders: 1 sales, 8 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, ChoiceOne Financial Services, Inc.'s diluted share count grew about 22.9% a year, and dividends and buybacks returned about 29% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 8 purchases of their own stock on the open market in the year to 2026-10-02, buying about $404 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 6%: 6¢ of profit per shareholder dollar. Leverage 89%: owes 89¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, ChoiceOne Financial Services, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 89 cents per dollar of assets, and net share issuance: its share count grew 70.2% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 50% of 155 in its family; net margin 13.9%.
From the record
ChoiceOne Financial Services, Inc.'s standing among 155 graded names in its industry family: revenue of $203 million in fiscal 2025 ranks in the bottom 37% by size; a net margin of 13.9% ranks in the bottom 16%; revenue growth of 39.3% a year over the last 3 filed years ranks in the top 4% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 47% of 150 in its family for leadership; chief executive since 2020.
From the record
ChoiceOne Financial Services, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Potes, Kelly (Chief Executive Officer, as filed), filing under that title since 2020-06-18, 6.4 years (bottom 39% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 7.1 years (bottom 46%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 26% of 142 in its family for room to expand.
From the record
ChoiceOne Financial Services, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $88 million against no long-term debt tagged leaves 2% of its assets as net cash, bottom 36% of its family; cash from operations less capital spending is 12.4% of revenue (bottom 15%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 5% of 152 in its family for growth drivers.
From the record
ChoiceOne Financial Services, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 39.3% a year over the last three filed years against 29.1% over all 10, speeding up (top 12% of its family); the newest year grew 67.6% (top 1%); capital spending grew 78.5% a year (top 3%) (its annual reports). ChoiceOne Financial Services, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 43% of 150 in its family for expectations against reality.
From the record
ChoiceOne Financial Services, Inc.'s newest year against its own record: revenue of $203 million in fiscal 2025 came in 32% above the $154 million its prior three years' pace pointed to (top 2% of its family); net income of $28 million against a prior three-year average of $24 million (top 41%); a net margin of 13.9% against 25% before (bottom 12%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made