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Side-by-side financial comparison of CHOICEONE FINANCIAL SERVICES INC (COFS) and PRECISION BIOSCIENCES INC (DTIL). 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 $34.2M, roughly 1.3× PRECISION BIOSCIENCES INC). On growth, PRECISION BIOSCIENCES INC posted the faster year-over-year revenue change (5261.1% vs 76.4%). CHOICEONE FINANCIAL SERVICES INC produced more free cash flow last quarter ($25.2M vs $-11.3M). Over the past eight quarters, PRECISION BIOSCIENCES INC's revenue compounded faster (39.5% 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.

Precision BioSciences, Inc. is a publicly traded American clinical stage gene editing company headquartered in Durham, North Carolina. Founded in 2006, Precision is focused on developing both in vivo and ex vivo gene editing therapies using its proprietary "ARCUS" genome editing platform.

COFS vs DTIL — Head-to-Head

Bigger by revenue
COFS
COFS
1.3× larger
COFS
$42.9M
$34.2M
DTIL
Growing faster (revenue YoY)
DTIL
DTIL
+5184.7% gap
DTIL
5261.1%
76.4%
COFS
More free cash flow
COFS
COFS
$36.5M more FCF
COFS
$25.2M
$-11.3M
DTIL
Faster 2-yr revenue CAGR
DTIL
DTIL
Annualised
DTIL
39.5%
15.0%
COFS

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
COFS
COFS
DTIL
DTIL
Revenue
$42.9M
$34.2M
Net Profit
$20.1M
Gross Margin
Operating Margin
39.1%
36.6%
Net Margin
58.9%
Revenue YoY
76.4%
5261.1%
Net Profit YoY
213.5%
EPS (diluted)
$1.43
$2.62

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
DTIL
DTIL
Q4 25
$42.9M
$34.2M
Q3 25
$61.8M
$13.0K
Q2 25
$60.4M
$18.0K
Q1 25
$44.9M
$29.0K
Q4 24
$24.3M
$638.0K
Q3 24
$36.6M
$576.0K
Q2 24
$34.0M
$49.9M
Q1 24
$32.5M
$17.6M
Net Profit
COFS
COFS
DTIL
DTIL
Q4 25
$20.1M
Q3 25
$14.7M
$-21.8M
Q2 25
$13.5M
$-23.5M
Q1 25
$-13.9M
$-20.6M
Q4 24
Q3 24
$7.3M
$-16.4M
Q2 24
$6.6M
$32.7M
Q1 24
$5.6M
$8.6M
Operating Margin
COFS
COFS
DTIL
DTIL
Q4 25
39.1%
36.6%
Q3 25
29.6%
-158976.9%
Q2 25
27.6%
-121538.9%
Q1 25
-39.2%
-76248.3%
Q4 24
36.1%
Q3 24
25.4%
-3693.6%
Q2 24
24.0%
48.4%
Q1 24
21.1%
-23.8%
Net Margin
COFS
COFS
DTIL
DTIL
Q4 25
58.9%
Q3 25
23.7%
-167476.9%
Q2 25
22.4%
-130666.7%
Q1 25
-31.0%
-70913.8%
Q4 24
Q3 24
20.1%
-2851.6%
Q2 24
19.4%
65.6%
Q1 24
17.3%
48.8%
EPS (diluted)
COFS
COFS
DTIL
DTIL
Q4 25
$1.43
$2.62
Q3 25
$0.97
$-1.84
Q2 25
$0.90
$-2.13
Q1 25
$-1.29
$-2.21
Q4 24
$0.79
Q3 24
$0.85
$-2.25
Q2 24
$0.87
$4.67
Q1 24
$0.74
$1.70

Balance Sheet & Financial Strength

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

Metric
COFS
COFS
DTIL
DTIL
Cash + ST InvestmentsLiquidity on hand
$88.0M
$115.6M
Total DebtLower is stronger
Stockholders' EquityBook value
$465.4M
$92.2M
Total Assets
$4.4B
$154.4M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
COFS
COFS
DTIL
DTIL
Q4 25
$88.0M
$115.6M
Q3 25
$99.0M
$44.9M
Q2 25
$156.3M
$62.2M
Q1 25
$139.4M
$77.2M
Q4 24
$96.8M
$86.3M
Q3 24
$145.9M
$101.2M
Q2 24
$101.0M
$123.6M
Q1 24
$150.1M
$137.8M
Stockholders' Equity
COFS
COFS
DTIL
DTIL
Q4 25
$465.4M
$92.2M
Q3 25
$449.6M
$16.6M
Q2 25
$431.8M
$34.1M
Q1 25
$427.1M
$49.3M
Q4 24
$260.4M
$56.4M
Q3 24
$247.7M
$64.9M
Q2 24
$214.5M
$74.7M
Q1 24
$206.8M
$37.2M
Total Assets
COFS
COFS
DTIL
DTIL
Q4 25
$4.4B
$154.4M
Q3 25
$4.3B
$93.5M
Q2 25
$4.3B
$108.9M
Q1 25
$4.3B
$124.4M
Q4 24
$2.7B
$136.4M
Q3 24
$2.7B
$153.3M
Q2 24
$2.7B
$165.8M
Q1 24
$2.7B
$184.7M

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
DTIL
DTIL
Operating Cash FlowLast quarter
$31.8M
$-11.3M
Free Cash FlowOCF − Capex
$25.2M
$-11.3M
FCF MarginFCF / Revenue
58.7%
-32.9%
Capex IntensityCapex / Revenue
15.4%
0.1%
Cash ConversionOCF / Net Profit
-0.56×
TTM Free Cash FlowTrailing 4 quarters
$38.5M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
COFS
COFS
DTIL
DTIL
Q4 25
$31.8M
$-11.3M
Q3 25
$15.3M
$-15.3M
Q2 25
$9.0M
$-20.3M
Q1 25
$-6.5M
$-19.1M
Q4 24
$47.1M
$-58.4M
Q3 24
$-7.4M
$-5.9M
Q2 24
$15.7M
$-14.9M
Q1 24
$15.3M
$-19.0M
Free Cash Flow
COFS
COFS
DTIL
DTIL
Q4 25
$25.2M
$-11.3M
Q3 25
$13.7M
Q2 25
$6.9M
$-20.3M
Q1 25
$-7.3M
$-19.1M
Q4 24
$45.4M
$-58.7M
Q3 24
$-7.6M
$-6.0M
Q2 24
$15.3M
$-14.9M
Q1 24
$15.0M
$-19.1M
FCF Margin
COFS
COFS
DTIL
DTIL
Q4 25
58.7%
-32.9%
Q3 25
22.1%
Q2 25
11.4%
-112627.8%
Q1 25
-16.3%
-65917.2%
Q4 24
186.4%
-9199.8%
Q3 24
-20.8%
-1033.2%
Q2 24
44.8%
-29.9%
Q1 24
46.2%
-108.4%
Capex Intensity
COFS
COFS
DTIL
DTIL
Q4 25
15.4%
0.1%
Q3 25
2.6%
0.0%
Q2 25
3.4%
11.1%
Q1 25
1.9%
220.7%
Q4 24
7.0%
39.2%
Q3 24
0.7%
6.8%
Q2 24
1.4%
0.1%
Q1 24
1.0%
0.5%
Cash Conversion
COFS
COFS
DTIL
DTIL
Q4 25
-0.56×
Q3 25
1.04×
Q2 25
0.66×
Q1 25
Q4 24
Q3 24
-1.00×
Q2 24
2.39×
-0.45×
Q1 24
2.72×
-2.21×

Financial Flow Comparison

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

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