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Side-by-side financial comparison of CHOICEONE FINANCIAL SERVICES INC (COFS) and Cue Biopharma, Inc. (CUE). Click either name above to swap in a different company.

CHOICEONE FINANCIAL SERVICES INC is the larger business by last-quarter revenue ($42.9M vs $21.9M, roughly 2.0× Cue Biopharma, Inc.). On growth, Cue Biopharma, Inc. posted the faster year-over-year revenue change (1292.3% vs 76.4%). Over the past eight quarters, Cue Biopharma, Inc.'s revenue compounded faster (257.5% CAGR vs 15.0%).

ChoiceOne Financial Services Inc is a US regional financial holding company that operates through its banking subsidiary, offering personal and commercial banking products including savings accounts, loans, wealth management, and insurance services primarily to consumers, small businesses, and corporate clients across Michigan.

Cue Biopharma is a clinical-stage biotechnology company focused on developing novel targeted immunotherapies for cancer, autoimmune disorders, and inflammatory diseases. Its proprietary platform enables precise T-cell activity modulation, with core operations in North America and global pharma partnerships to advance lead product candidates through clinical trials.

COFS vs CUE — Head-to-Head

Bigger by revenue
COFS
COFS
2.0× larger
COFS
$42.9M
$21.9M
CUE
Growing faster (revenue YoY)
CUE
CUE
+1215.9% gap
CUE
1292.3%
76.4%
COFS
Faster 2-yr revenue CAGR
CUE
CUE
Annualised
CUE
257.5%
15.0%
COFS

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
COFS
COFS
CUE
CUE
Revenue
$42.9M
$21.9M
Net Profit
$1.6M
Gross Margin
Operating Margin
39.1%
9.0%
Net Margin
7.2%
Revenue YoY
76.4%
1292.3%
Net Profit YoY
116.7%
EPS (diluted)
$1.43
$0.05

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
COFS
COFS
CUE
CUE
Q4 25
$42.9M
$21.9M
Q3 25
$61.8M
$2.1M
Q2 25
$60.4M
$3.0M
Q1 25
$44.9M
$421.0K
Q4 24
$24.3M
$1.6M
Q3 24
$36.6M
$3.3M
Q2 24
$34.0M
$2.7M
Q1 24
$32.5M
$1.7M
Net Profit
COFS
COFS
CUE
CUE
Q4 25
$1.6M
Q3 25
$14.7M
$-7.4M
Q2 25
$13.5M
$-8.5M
Q1 25
$-13.9M
$-12.3M
Q4 24
Q3 24
$7.3M
$-8.7M
Q2 24
$6.6M
$-10.2M
Q1 24
$5.6M
$-12.3M
Operating Margin
COFS
COFS
CUE
CUE
Q4 25
39.1%
9.0%
Q3 25
29.6%
-353.4%
Q2 25
27.6%
-292.3%
Q1 25
-39.2%
-2921.4%
Q4 24
36.1%
Q3 24
25.4%
-264.2%
Q2 24
24.0%
-390.6%
Q1 24
21.1%
-737.8%
Net Margin
COFS
COFS
CUE
CUE
Q4 25
7.2%
Q3 25
23.7%
-346.6%
Q2 25
22.4%
-287.1%
Q1 25
-31.0%
-2911.4%
Q4 24
Q3 24
20.1%
-259.6%
Q2 24
19.4%
-382.7%
Q1 24
17.3%
-719.1%
EPS (diluted)
COFS
COFS
CUE
CUE
Q4 25
$1.43
$0.05
Q3 25
$0.97
$-0.07
Q2 25
$0.90
$-0.09
Q1 25
$-1.29
$-0.17
Q4 24
$0.79
Q3 24
$0.85
$-0.17
Q2 24
$0.87
$-0.20
Q1 24
$0.74
$-0.25

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
COFS
COFS
CUE
CUE
Cash + ST InvestmentsLiquidity on hand
$88.0M
$27.1M
Total DebtLower is stronger
Stockholders' EquityBook value
$465.4M
$26.4M
Total Assets
$4.4B
$42.2M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
COFS
COFS
CUE
CUE
Q4 25
$88.0M
$27.1M
Q3 25
$99.0M
$11.7M
Q2 25
$156.3M
$27.5M
Q1 25
$139.4M
$13.1M
Q4 24
$96.8M
$22.5M
Q3 24
$145.9M
$32.4M
Q2 24
$101.0M
$30.0M
Q1 24
$150.1M
$41.0M
Total Debt
COFS
COFS
CUE
CUE
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
$1.0M
Q2 24
$2.0M
Q1 24
$3.0M
Stockholders' Equity
COFS
COFS
CUE
CUE
Q4 25
$465.4M
$26.4M
Q3 25
$449.6M
$13.2M
Q2 25
$431.8M
$18.2M
Q1 25
$427.1M
$6.6M
Q4 24
$260.4M
$17.5M
Q3 24
$247.7M
$25.4M
Q2 24
$214.5M
$21.6M
Q1 24
$206.8M
$30.0M
Total Assets
COFS
COFS
CUE
CUE
Q4 25
$4.4B
$42.2M
Q3 25
$4.3B
$31.6M
Q2 25
$4.3B
$40.7M
Q1 25
$4.3B
$22.3M
Q4 24
$2.7B
$32.2M
Q3 24
$2.7B
$44.8M
Q2 24
$2.7B
$42.3M
Q1 24
$2.7B
$54.0M
Debt / Equity
COFS
COFS
CUE
CUE
Q4 25
Q3 25
Q2 25
Q1 25
Q4 24
Q3 24
0.04×
Q2 24
0.09×
Q1 24
0.10×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
COFS
COFS
CUE
CUE
Operating Cash FlowLast quarter
$31.8M
$-1.1M
Free Cash FlowOCF − Capex
$25.2M
FCF MarginFCF / Revenue
58.7%
Capex IntensityCapex / Revenue
15.4%
0.0%
Cash ConversionOCF / Net Profit
-0.68×
TTM Free Cash FlowTrailing 4 quarters
$38.5M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
COFS
COFS
CUE
CUE
Q4 25
$31.8M
$-1.1M
Q3 25
$15.3M
$-9.0M
Q2 25
$9.0M
$-3.4M
Q1 25
$-6.5M
$-8.2M
Q4 24
$47.1M
$-36.3M
Q3 24
$-7.4M
$-7.5M
Q2 24
$15.7M
$-10.0M
Q1 24
$15.3M
$-9.8M
Free Cash Flow
COFS
COFS
CUE
CUE
Q4 25
$25.2M
Q3 25
$13.7M
Q2 25
$6.9M
$-3.4M
Q1 25
$-7.3M
$-8.3M
Q4 24
$45.4M
$-36.4M
Q3 24
$-7.6M
$-7.5M
Q2 24
$15.3M
$-10.0M
Q1 24
$15.0M
$-9.8M
FCF Margin
COFS
COFS
CUE
CUE
Q4 25
58.7%
Q3 25
22.1%
Q2 25
11.4%
-116.5%
Q1 25
-16.3%
-1976.7%
Q4 24
186.4%
-2309.3%
Q3 24
-20.8%
-225.7%
Q2 24
44.8%
-376.2%
Q1 24
46.2%
-573.0%
Capex Intensity
COFS
COFS
CUE
CUE
Q4 25
15.4%
0.0%
Q3 25
2.6%
0.0%
Q2 25
3.4%
0.9%
Q1 25
1.9%
35.6%
Q4 24
7.0%
4.2%
Q3 24
0.7%
0.0%
Q2 24
1.4%
0.4%
Q1 24
1.0%
3.2%
Cash Conversion
COFS
COFS
CUE
CUE
Q4 25
-0.68×
Q3 25
1.04×
Q2 25
0.66×
Q1 25
Q4 24
Q3 24
-1.00×
Q2 24
2.39×
Q1 24
2.72×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

COFS
COFS

Segment breakdown not available.

CUE
CUE

Immuno Scape Collaboration And License Agreement$9.5M43%
BI Collaboration And License Agreement$8.1M37%
Other$4.3M20%

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