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ChoiceOne Financial COFS Q1 2026 earnings

Reported April 24, 2026 · Before market open

Revenue$42.5MMiss by $243.0K
EPS$0.91Beat by $0.06
Revenue estimate$42.7M
EPS estimate$0.85

Next report

Oct 23, 2026 (in 3 months)
Revenue estimate$44.5M
EPS estimate$0.92

Financials

Q1 2026

Income statement

See full
Revenue$42.5M+35.9%
Net income$13.7M+199%
EPS (diluted)$0.91+171%

Balance sheet

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Cash & equivalents$84.2M-39.6%
Total equity$470.0M+10.1%
Total assets$4.4B+2.1%

Cash flow

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Operating cash flow-$177.0K+98.1%
CapEx$1.5M+82.5%
Free cash flow-$1.7M+83.4%

Valuation & ratios

Valuation

as of 03/31/26
See full
Market cap$421.29M-2.6%
P/E7.6×-52.6×
P/S2.4×-1.8×

Profitability

See full
Net margin32.3%+25.3pp
FCF margin19.5%—

Returns & leverage

See full
Return on equity12.4%+10.2pp

Segments

By product

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Interchange Income$1.9M+25.4%
Customer Service Charges$1.7M+40.2%
Trust Fee Income$692.0K+36.8%
Insurance And Investment Commission Income$551.0K+86.8%
Other Charges And Fees For Customer Services$191.0K+17.9%

Versus estimates

Revenue

Q2 2026$41.1MMiss by $2.4M
Q1 2026$42.5MMiss by $243.0K
Q4 2025$42.9MMiss by $913.0KQ3 2025$44.7MBeat by $941.0KQ2 2025$42.8MBeat by $675.0KQ1 2025$44.9MBeat by $1.4M

Diluted EPS

Q2 2026$0.83Miss by $0.05
Q1 2026$0.91Beat by $0.06
Q4 2025$0.92Beat by $0.01Q3 2025$0.97Beat by $0.11Q2 2025$0.91Beat by $0.11Q1 2025$0.86Beat by $0.04

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Questions, answered.

When did ChoiceOne Financial report Q1 2026 earnings?
ChoiceOne Financial (COFS) reported Q1 2026 earnings on April 24, 2026 before market open.
What were ChoiceOne Financial's Q1 2026 revenue and EPS?
ChoiceOne Financial reported revenue of $42.5M and eps of $0.91 for Q1 2026.
Did ChoiceOne Financial beat estimates in Q1 2026?
Revenue missed the consensus estimate of $42.7M by $243.0K. EPS beat the consensus estimate of $0.85 by $0.06.
How did ChoiceOne Financial's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 5.4% from $44.9M a year earlier and eps grew 5.8% from $0.86.
Where can I find ChoiceOne Financial's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-175011) and the 10-Q periodic report (0001193125-26-216698) directly on SEC EDGAR. The filing index links above go to sec.gov.