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ChoiceOne Financial COFS Q1 2025 earnings

Reported April 30, 2025 · Before market open

Revenue$44.9MBeat by $1.4M
EPS$0.86Beat by $0.04
Revenue estimate$43.5M
EPS estimate$0.82

Next report

Oct 28, 2026 (In 2 weeks)
Revenue estimate$44.5M
EPS estimate$0.93

Financials

Q1 2025

Income statement

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Revenue$31.2M+52.2%
Net income-$13.9M-347%
EPS (diluted)-$1.29-274%

Balance sheet

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Cash & equivalents$139.4M-7.1%
Total equity$427.1M+107%
Total assets$4.3B+61.2%

Cash flow

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Operating cash flow-$9.4M-161%
CapEx$835.0K+168%
Free cash flow-$10.2M-168%

Valuation & ratios

Valuation

as of 03/31/25
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Market cap$432.63M+109%
P/E60.2×+50.5×
P/S4.2×+1.6×

Profitability

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Net margin7%-19.4pp

Returns & leverage

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Return on equity2.3%-9.1pp

Segments

By product

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Interchange Income$1.5M+17.2%
Customer Service Charges$1.2M+3.3%
Trust Fee Income$506.0K+138%
Insurance And Investment Commission Income$295.0K+59.0%
Other Charges And Fees For Customer Services$162.0K+8.7%

FAQ

When did ChoiceOne Financial report Q1 2025 earnings?
ChoiceOne Financial (COFS) reported Q1 2025 earnings on April 30, 2025 before market open.
What were ChoiceOne Financial's Q1 2025 revenue and EPS?
ChoiceOne Financial reported revenue of $44.9M and eps of $0.86 for Q1 2025.
Did ChoiceOne Financial beat estimates in Q1 2025?
Revenue beat the consensus estimate of $43.5M by $1.4M. EPS beat the consensus estimate of $0.82 by $0.04.
How did ChoiceOne Financial's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 38.2% from $32.5M a year earlier and eps grew 16.2% from $0.74.
Where can I find ChoiceOne Financial's Q1 2025 SEC filings?
You can read the 8-K earnings release (0000950170-25-060598) and the 10-Q periodic report (0000950170-25-069133) directly on SEC EDGAR. The filing index links above go to sec.gov.