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ChoiceOne Financial COFS Q2 2025 earnings

Reported July 25, 2025 · Before market open

Revenue$42.8MBeat by $675.0K
EPS$0.91Beat by $0.11
Revenue estimate$42.2M
EPS estimate$0.80

Next report

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

Financials

Q2 2025

Income statement

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Revenue$42.8M+90.7%
Net income$13.5M+105%
EPS (diluted)$0.90+3.4%

Balance sheet

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Cash & equivalents$156.3M+54.7%
Total equity$431.8M+101%
Total assets$4.3B+61.4%

Cash flow

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Operating cash flow$11.9M-24.5%
CapEx$2.1M+330%
Free cash flow$9.8M-35.7%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$436.49M+102%
P/E30.9×+21.3×
P/S3.5×+0.9×

Profitability

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Net margin11.4%-15.7pp

Returns & leverage

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Return on equity4.4%-7.1pp

Segments

By product

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Interchange Income$2.1M+36.3%
Customer Service Charges$1.4M+22.3%
Trust Fee Income$596.0K+171%
Insurance And Investment Commission Income$540.0K+191%
Other Charges And Fees For Customer Services$198.0K+102%

FAQ

When did ChoiceOne Financial report Q2 2025 earnings?
ChoiceOne Financial (COFS) reported Q2 2025 earnings on July 25, 2025 before market open.
What were ChoiceOne Financial's Q2 2025 revenue and EPS?
ChoiceOne Financial reported revenue of $42.8M and eps of $0.91 for Q2 2025.
Did ChoiceOne Financial beat estimates in Q2 2025?
Revenue beat the consensus estimate of $42.2M by $675.0K. EPS beat the consensus estimate of $0.80 by $0.11.
How did ChoiceOne Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 25.9% from $34.0M a year earlier and eps grew 4.6% from $0.87.
Where can I find ChoiceOne Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000950170-25-098569) and the 10-Q periodic report (0000950170-25-105803) directly on SEC EDGAR. The filing index links above go to sec.gov.