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

Financials

Q2 2025

Income statement

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

Balance sheet

See full
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
See full
Market cap$436.49M+102%
P/E30.9×+21.3×
P/S3.5×+0.9×

Profitability

See full
Net margin11.4%-15.7pp

Returns & leverage

See full
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%
Other Charges And Fees For Customer Services$198.0K+102%

Versus estimates

Revenue

Q2 2026$41.1MMiss by $2.4MQ1 2026$42.5MMiss by $243.0KQ4 2025$42.9MMiss by $913.0KQ3 2025$44.7MBeat by $941.0K
Q2 2025$42.8MBeat by $675.0K
Q1 2025$44.9MBeat by $1.4M

Diluted EPS

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

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Questions, answered.

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 10-Q periodic report (0000950170-25-105803) directly on SEC EDGAR. The filing index links above go to sec.gov.