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Side-by-side financial comparison of CHOICEONE FINANCIAL SERVICES INC (COFS) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $42.9M, roughly 1.8× CHOICEONE FINANCIAL SERVICES INC). On growth, CHOICEONE FINANCIAL SERVICES INC posted the faster year-over-year revenue change (76.4% vs 0.4%). CHOICEONE FINANCIAL SERVICES INC produced more free cash flow last quarter ($25.2M vs $23.2M). Over the past eight quarters, CHOICEONE FINANCIAL SERVICES INC's revenue compounded faster (15.0% CAGR vs -1.3%).
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.
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
COFS vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $42.9M | $78.6M |
| Net Profit | — | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 39.1% | -182.2% |
| Net Margin | — | -178.3% |
| Revenue YoY | 76.4% | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $1.43 | $-1.68 |
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.
| Q4 25 | $42.9M | $78.6M | ||
| Q3 25 | $61.8M | $77.7M | ||
| Q2 25 | $60.4M | $75.6M | ||
| Q1 25 | $44.9M | $77.3M | ||
| Q4 24 | $24.3M | $78.3M | ||
| Q3 24 | $36.6M | $79.1M | ||
| Q2 24 | $34.0M | $74.9M | ||
| Q1 24 | $32.5M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $14.7M | $-6.4M | ||
| Q2 25 | $13.5M | $-102.3M | ||
| Q1 25 | $-13.9M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $7.3M | $3.2M | ||
| Q2 24 | $6.6M | $-4.1M | ||
| Q1 24 | $5.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | 39.1% | -182.2% | ||
| Q3 25 | 29.6% | -3.9% | ||
| Q2 25 | 27.6% | -138.7% | ||
| Q1 25 | -39.2% | -4.7% | ||
| Q4 24 | 36.1% | -1.5% | ||
| Q3 24 | 25.4% | -0.9% | ||
| Q2 24 | 24.0% | -4.6% | ||
| Q1 24 | 21.1% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 23.7% | -8.3% | ||
| Q2 25 | 22.4% | -135.2% | ||
| Q1 25 | -31.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 20.1% | 4.1% | ||
| Q2 24 | 19.4% | -5.4% | ||
| Q1 24 | 17.3% | -6.5% |
| Q4 25 | $1.43 | $-1.68 | ||
| Q3 25 | $0.97 | $-0.08 | ||
| Q2 25 | $0.90 | $-1.15 | ||
| Q1 25 | $-1.29 | $-0.09 | ||
| Q4 24 | $0.79 | $-0.04 | ||
| Q3 24 | $0.85 | $0.03 | ||
| Q2 24 | $0.87 | $-0.04 | ||
| Q1 24 | $0.74 | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $88.0M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $465.4M | $484.4M |
| Total Assets | $4.4B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $88.0M | $115.7M | ||
| Q3 25 | $99.0M | $95.7M | ||
| Q2 25 | $156.3M | $162.6M | ||
| Q1 25 | $139.4M | $165.5M | ||
| Q4 24 | $96.8M | $189.5M | ||
| Q3 24 | $145.9M | $168.7M | ||
| Q2 24 | $101.0M | $147.1M | ||
| Q1 24 | $150.1M | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $465.4M | $484.4M | ||
| Q3 25 | $449.6M | $616.9M | ||
| Q2 25 | $431.8M | $633.7M | ||
| Q1 25 | $427.1M | $755.7M | ||
| Q4 24 | $260.4M | $761.3M | ||
| Q3 24 | $247.7M | $754.7M | ||
| Q2 24 | $214.5M | $815.4M | ||
| Q1 24 | $206.8M | $813.8M |
| Q4 25 | $4.4B | $1.2B | ||
| Q3 25 | $4.3B | $1.3B | ||
| Q2 25 | $4.3B | $1.4B | ||
| Q1 25 | $4.3B | $1.5B | ||
| Q4 24 | $2.7B | $1.6B | ||
| Q3 24 | $2.7B | $1.6B | ||
| Q2 24 | $2.7B | $1.5B | ||
| Q1 24 | $2.7B | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $31.8M | $23.3M |
| Free Cash FlowOCF − Capex | $25.2M | $23.2M |
| FCF MarginFCF / Revenue | 58.7% | 29.6% |
| Capex IntensityCapex / Revenue | 15.4% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $38.5M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $31.8M | $23.3M | ||
| Q3 25 | $15.3M | $32.2M | ||
| Q2 25 | $9.0M | $33.1M | ||
| Q1 25 | $-6.5M | $2.5M | ||
| Q4 24 | $47.1M | $34.3M | ||
| Q3 24 | $-7.4M | $60.1M | ||
| Q2 24 | $15.7M | $31.0M | ||
| Q1 24 | $15.3M | $24.8M |
| Q4 25 | $25.2M | $23.2M | ||
| Q3 25 | $13.7M | $32.1M | ||
| Q2 25 | $6.9M | $33.0M | ||
| Q1 25 | $-7.3M | $2.4M | ||
| Q4 24 | $45.4M | $34.0M | ||
| Q3 24 | $-7.6M | $59.8M | ||
| Q2 24 | $15.3M | $30.5M | ||
| Q1 24 | $15.0M | $24.7M |
| Q4 25 | 58.7% | 29.6% | ||
| Q3 25 | 22.1% | 41.3% | ||
| Q2 25 | 11.4% | 43.6% | ||
| Q1 25 | -16.3% | 3.0% | ||
| Q4 24 | 186.4% | 43.5% | ||
| Q3 24 | -20.8% | 75.6% | ||
| Q2 24 | 44.8% | 40.7% | ||
| Q1 24 | 46.2% | 30.6% |
| Q4 25 | 15.4% | 0.1% | ||
| Q3 25 | 2.6% | 0.2% | ||
| Q2 25 | 3.4% | 0.1% | ||
| Q1 25 | 1.9% | 0.2% | ||
| Q4 24 | 7.0% | 0.3% | ||
| Q3 24 | 0.7% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 1.0% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.04× | — | ||
| Q2 25 | 0.66× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | -1.00× | 18.52× | ||
| 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
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
