Skip to content
Screener

ChoiceOne Financial COFS Q2 2026 earnings

Reported July 24, 2026 · Before market open

Revenue$41.6MMiss by $1.8M
EPS$0.83Miss by $0.05
Revenue estimate$43.5M
EPS estimate$0.88
“Our disciplined approach to balance sheet management is improving our earning asset mix and interest rate positioning, while supporting continued momentum through the remainder of 2026.”
Kelly Potes

Next report

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

Financials

Q2 2026

Income statement

See full
Revenue$41.6M-2.8%
Net income$12.5M-7.9%
EPS (diluted)$0.83-7.8%

Balance sheet

See full
Cash & equivalents$88.6M-43.3%
Total equity$482.7M+11.8%
Total assets$4.5B+3.4%

Cash flow

See full
Operating cash flow$29.9M+152%
CapEx$2.8M+35.6%
Free cash flow$27.1M+177%

Valuation & ratios

Valuation

as of 10/09/26
See full
Market cap$493.83M+17.7%
P/E9×-10.5×
P/S2.9×-0.1×

Profitability

See full
Net margin31.9%+20.4pp
FCF margin29.7%—

Returns & leverage

See full
Return on equity12%+7.6pp

Segments

By product

See full
Interchange Income$2.1M+2.7%
Customer Service Charges$1.7M+24.6%
Insurance And Investment Commission Income$720.0K+33.3%
Trust Fee Income$671.0K+12.6%
Other Charges And Fees For Customer Services$155.0K-21.7%

FAQ

When did ChoiceOne Financial report Q2 2026 earnings?
ChoiceOne Financial (COFS) reported Q2 2026 earnings on July 24, 2026 before market open.
What were ChoiceOne Financial's Q2 2026 revenue and EPS?
ChoiceOne Financial reported revenue of $41.6M and eps of $0.83 for Q2 2026.
Did ChoiceOne Financial beat estimates in Q2 2026?
Revenue missed the consensus estimate of $43.5M by $1.8M. EPS missed the consensus estimate of $0.88 by $0.05.
How did ChoiceOne Financial's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 2.8% from $42.8M a year earlier and eps declined 8.8% from $0.91.
Where can I find ChoiceOne Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-315065) and the 10-Q periodic report (0001193125-26-342347) directly on SEC EDGAR. The filing index links above go to sec.gov.