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

Newsmax Inc. is the larger business by last-quarter revenue ($52.2M vs $42.9M, roughly 1.2× CHOICEONE FINANCIAL SERVICES INC). CHOICEONE FINANCIAL SERVICES INC produced more free cash flow last quarter ($25.2M vs $1.8M).

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.

Newsmax Inc. is a U.S.-headquartered media and broadcasting company that offers news coverage, political commentary, opinion pieces, and lifestyle programming across cable TV, official websites, mobile apps, and streaming platforms. It mainly caters to U.S. domestic audiences, with a core focus on conservative-oriented current affairs content segments.

COFS vs NMAX — Head-to-Head

Bigger by revenue
NMAX
NMAX
1.2× larger
NMAX
$52.2M
$42.9M
COFS
More free cash flow
COFS
COFS
$23.4M more FCF
COFS
$25.2M
$1.8M
NMAX

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
COFS
COFS
NMAX
NMAX
Revenue
$42.9M
$52.2M
Net Profit
$-3.0M
Gross Margin
36.7%
Operating Margin
39.1%
-9.0%
Net Margin
-5.7%
Revenue YoY
76.4%
Net Profit YoY
EPS (diluted)
$1.43
$0.15

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
NMAX
NMAX
Q4 25
$42.9M
$52.2M
Q3 25
$61.8M
$45.3M
Q2 25
$60.4M
$46.4M
Q1 25
$44.9M
$45.3M
Q4 24
$24.3M
Q3 24
$36.6M
Q2 24
$34.0M
Q1 24
$32.5M
Net Profit
COFS
COFS
NMAX
NMAX
Q4 25
$-3.0M
Q3 25
$14.7M
$-4.1M
Q2 25
$13.5M
$-75.2M
Q1 25
$-13.9M
$-17.2M
Q4 24
Q3 24
$7.3M
Q2 24
$6.6M
Q1 24
$5.6M
Gross Margin
COFS
COFS
NMAX
NMAX
Q4 25
36.7%
Q3 25
35.3%
Q2 25
38.0%
Q1 25
47.8%
Q4 24
Q3 24
Q2 24
Q1 24
Operating Margin
COFS
COFS
NMAX
NMAX
Q4 25
39.1%
-9.0%
Q3 25
29.6%
-15.9%
Q2 25
27.6%
-164.5%
Q1 25
-39.2%
-25.5%
Q4 24
36.1%
Q3 24
25.4%
Q2 24
24.0%
Q1 24
21.1%
Net Margin
COFS
COFS
NMAX
NMAX
Q4 25
-5.7%
Q3 25
23.7%
-9.1%
Q2 25
22.4%
-161.9%
Q1 25
-31.0%
-38.0%
Q4 24
Q3 24
20.1%
Q2 24
19.4%
Q1 24
17.3%
EPS (diluted)
COFS
COFS
NMAX
NMAX
Q4 25
$1.43
$0.15
Q3 25
$0.97
$-0.03
Q2 25
$0.90
$-0.59
Q1 25
$-1.29
$-0.49
Q4 24
$0.79
Q3 24
$0.85
Q2 24
$0.87
Q1 24
$0.74

Balance Sheet & Financial Strength

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

Metric
COFS
COFS
NMAX
NMAX
Cash + ST InvestmentsLiquidity on hand
$88.0M
$20.4M
Total DebtLower is stronger
Stockholders' EquityBook value
$465.4M
$106.0M
Total Assets
$4.4B
$239.8M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
COFS
COFS
NMAX
NMAX
Q4 25
$88.0M
$20.4M
Q3 25
$99.0M
$14.2M
Q2 25
$156.3M
$33.8M
Q1 25
$139.4M
$126.7M
Q4 24
$96.8M
Q3 24
$145.9M
Q2 24
$101.0M
Q1 24
$150.1M
Stockholders' Equity
COFS
COFS
NMAX
NMAX
Q4 25
$465.4M
$106.0M
Q3 25
$449.6M
$106.0M
Q2 25
$431.8M
$106.9M
Q1 25
$427.1M
$177.4M
Q4 24
$260.4M
Q3 24
$247.7M
Q2 24
$214.5M
Q1 24
$206.8M
Total Assets
COFS
COFS
NMAX
NMAX
Q4 25
$4.4B
$239.8M
Q3 25
$4.3B
$233.3M
Q2 25
$4.3B
$259.8M
Q1 25
$4.3B
$278.2M
Q4 24
$2.7B
Q3 24
$2.7B
Q2 24
$2.7B
Q1 24
$2.7B

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
NMAX
NMAX
Operating Cash FlowLast quarter
$31.8M
$2.6M
Free Cash FlowOCF − Capex
$25.2M
$1.8M
FCF MarginFCF / Revenue
58.7%
3.4%
Capex IntensityCapex / Revenue
15.4%
1.7%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$38.5M
$-107.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
COFS
COFS
NMAX
NMAX
Q4 25
$31.8M
$2.6M
Q3 25
$15.3M
$-68.1M
Q2 25
$9.0M
$-23.2M
Q1 25
$-6.5M
$-15.7M
Q4 24
$47.1M
Q3 24
$-7.4M
Q2 24
$15.7M
Q1 24
$15.3M
Free Cash Flow
COFS
COFS
NMAX
NMAX
Q4 25
$25.2M
$1.8M
Q3 25
$13.7M
$-69.2M
Q2 25
$6.9M
$-23.8M
Q1 25
$-7.3M
$-15.8M
Q4 24
$45.4M
Q3 24
$-7.6M
Q2 24
$15.3M
Q1 24
$15.0M
FCF Margin
COFS
COFS
NMAX
NMAX
Q4 25
58.7%
3.4%
Q3 25
22.1%
-152.9%
Q2 25
11.4%
-51.3%
Q1 25
-16.3%
-34.9%
Q4 24
186.4%
Q3 24
-20.8%
Q2 24
44.8%
Q1 24
46.2%
Capex Intensity
COFS
COFS
NMAX
NMAX
Q4 25
15.4%
1.7%
Q3 25
2.6%
2.4%
Q2 25
3.4%
1.3%
Q1 25
1.9%
0.2%
Q4 24
7.0%
Q3 24
0.7%
Q2 24
1.4%
Q1 24
1.0%
Cash Conversion
COFS
COFS
NMAX
NMAX
Q4 25
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.

NMAX
NMAX

Advertising$33.9M65%
Affiliate Fee$8.3M16%
Subscription And Circulation$6.2M12%
Products$2.6M5%
Supplement Sales$1.1M2%

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