COFS CHOICEONE FINANCIA revenue, earnings and financials

For the quarter ended June 30, 2026, CHOICEONE FINANCIA reported revenue of $5.43M (up 12.7% from a year earlier), net income of $12.5M and diluted EPS of $0.83; over the last four quarters revenue was $242M and net income $54.7M; for the fiscal year ended December 2025 revenue was $228M, up 63.6% on the year before.

COFS annual revenue and earnings

• Fiscal year ended Dec 2025: revenue $228M, gross profit n/a, operating income n/a, net income $28.2M (margin 12.4%), EPS $2.01
• Fiscal year ended Dec 2024: revenue $139M, gross profit n/a, operating income n/a, net income $26.7M (margin 19.2%), EPS $3.25
• Fiscal year ended Dec 2023: revenue $114M, gross profit n/a, operating income n/a, net income $21.3M (margin 18.7%), EPS $2.82
• Fiscal year ended Dec 2022: revenue $89.1M, gross profit n/a, operating income n/a, net income $23.6M (margin 26.5%), EPS $3.15
• Fiscal year ended Dec 2021: revenue n/a, gross profit n/a, operating income n/a, net income $22.0M (margin n/a), EPS $2.86

COFS quarterly revenue and earnings

• Quarter ended Jun 30, 2026: revenue $5.43M (up 12.7% year over year), net income $12.5M, EPS $0.83
• Quarter ended Mar 31, 2026: revenue $59.1M (up 31.7% year over year), net income $13.7M, EPS $0.91
• Quarter ended Dec 31, 2025 (from the annual report): revenue $173M (up 72.5% year over year), net income $13.9M, EPS $1.43
• Quarter ended Sep 30, 2025: revenue $5.29M (up 57.7% year over year), net income $14.7M, EPS $0.97
• Quarter ended Jun 30, 2025: revenue $4.82M (up 52.0% year over year), net income $13.5M, EPS $0.90
• Quarter ended Mar 31, 2025: revenue $44.9M (up 38.2% year over year), net income −$13.9M, EPS −$1.29
• Quarter ended Dec 31, 2024 (from the annual report): revenue $100M (down 5.0% year over year), net income $7.16M, EPS $0.79
• Quarter ended Sep 30, 2024: revenue $3.35M (up 14.1% year over year), net income $7.35M, EPS $0.85
• Quarter ended Jun 30, 2024: revenue $3.17M (up 13.5% year over year), net income $6.59M, EPS $0.87
• Quarter ended Mar 31, 2024: revenue $32.5M (up 1066.8% year over year), net income $5.63M, EPS $0.74
• Quarter ended Dec 31, 2023 (from the annual report): revenue $105M (up 30.7% year over year), net income $5.29M, EPS $0.70
• Quarter ended Sep 30, 2023: revenue $2.94M (up 1.1% year over year), net income $5.12M, EPS $0.68
• Quarter ended Jun 30, 2023: revenue $2.79M (down 3.2% year over year), net income $5.21M, EPS $0.69
• Quarter ended Mar 31, 2023: revenue $2.78M (up 2.4% year over year), net income $5.63M, EPS $0.75
• Quarter ended Dec 31, 2022 (from the annual report): revenue $80.6M, net income $6.68M, EPS $0.89
• Quarter ended Sep 30, 2022: revenue $2.90M (up 5.6% year over year), net income $5.81M, EPS $0.77
• Quarter ended Jun 30, 2022: revenue $2.89M (up 6.0% year over year), net income $5.62M, EPS $0.75
• Quarter ended Mar 31, 2022: revenue $2.72M (up 9.0% year over year), net income $5.53M, EPS $0.74
• Quarter ended Dec 31, 2021 (from the annual report): revenue n/a, net income $5.01M, EPS $0.66
• Quarter ended Sep 30, 2021: revenue $2.75M, net income $5.75M, EPS $0.75

COFS cash flow, buybacks and dividends

• Fiscal year ended Dec 2025: operating cash flow $31.8M, share buybacks $2.68M, dividends $1.13 per share
• Fiscal year ended Dec 2024: operating cash flow $47.1M, share buybacks $0, dividends $1.09 per share
• Fiscal year ended Dec 2023: operating cash flow $46.3M, share buybacks $0, dividends $1.05 per share
• Fiscal year ended Dec 2022: operating cash flow $44.3M, share buybacks $682K, dividends $1.01 per share
• Fiscal year ended Dec 2021: operating cash flow $37.7M, share buybacks $7.79M, dividends $0.94 per share

COFS balance sheet

• Jun 30, 2026: cash $88.6M, total assets $4.46B, total liabilities $3.97B, shareholders' equity $483M
• Mar 31, 2026: cash $84.2M, total assets $4.39B, total liabilities $3.92B, shareholders' equity $470M
• Dec 31, 2025: cash $88.0M, total assets $4.41B, total liabilities $3.95B, shareholders' equity $465M
• Sep 30, 2025: cash $99.0M, total assets $4.30B, total liabilities $3.85B, shareholders' equity $450M
• Jun 30, 2025: cash $156M, total assets $4.31B, total liabilities $3.88B, shareholders' equity $432M
• Mar 31, 2025: cash $139M, total assets $4.31B, total liabilities $3.88B, shareholders' equity $427M
• Dec 31, 2024: cash $96.8M, total assets $2.72B, total liabilities $2.46B, shareholders' equity $260M
• Sep 30, 2024: cash $146M, total assets $2.72B, total liabilities $2.48B, shareholders' equity $248M

What is COFS's revenue?

CHOICEONE FINANCIA reported $242M of revenue over its last four quarters, through June 30, 2026.

Is COFS profitable?

Yes. CHOICEONE FINANCIA earned $54.7M over the last four quarters.

What is COFS's EPS?

Diluted earnings per share over the last four quarters were $4.14; $0.83 in the latest quarter.

Does COFS pay a dividend?

CHOICEONE FINANCIA paid $1.13 per share in dividends in the fiscal year ended December 2025.

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