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ChoiceOne Financial COFS Q3 2025 earnings

Reported October 24, 2025 · Before market open

Revenue$44.7MBeat by $941.0K
EPS$0.97Beat by $0.11
Revenue estimate$43.8M
EPS estimate$0.86

Next report

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

Financials

Q3 2025

Income statement

See full
Revenue$44.7M+78.1%
Net income$14.7M+99.8%
EPS (diluted)$0.97+14.1%

Balance sheet

See full
Cash & equivalents$99.0M-32.2%
Total equity$449.6M+81.5%
Total assets$4.3B+57.8%

Cash flow

See full
Operating cash flow$15.3M—
CapEx$1.6M+532%
Free cash flow$13.7M—

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$434.83M+85.9%
P/E20.3×+10.8×
P/S3×+0.4×

Profitability

See full
Net margin15%-13.0pp
FCF margin25.1%—

Returns & leverage

See full
Return on equity6.2%-5.4pp

Segments

By product

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Interchange Income$2.1M+40.0%
Customer Service Charges$1.7M+38.4%
Trust Fee Income$734.0K+216%
Other Charges And Fees For Customer Services$204.0K+25.9%

Versus estimates

Revenue

Q2 2026$41.1MMiss by $2.4MQ1 2026$42.5MMiss by $243.0KQ4 2025$42.9MMiss by $913.0K
Q3 2025$44.7MBeat by $941.0K
Q2 2025$42.8MBeat by $675.0KQ1 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 $0.01
Q3 2025$0.97Beat by $0.11
Q2 2025$0.91Beat by $0.11Q1 2025$0.86Beat by $0.04

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Questions, answered.

When did ChoiceOne Financial report Q3 2025 earnings?
ChoiceOne Financial (COFS) reported Q3 2025 earnings on October 24, 2025 before market open.
What were ChoiceOne Financial's Q3 2025 revenue and EPS?
ChoiceOne Financial reported revenue of $44.7M and eps of $0.97 for Q3 2025.
Did ChoiceOne Financial beat estimates in Q3 2025?
Revenue beat the consensus estimate of $43.8M by $941.0K. EPS beat the consensus estimate of $0.86 by $0.11.
How did ChoiceOne Financial's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 78.1% from $25.1M a year earlier and eps grew 14.1% from $0.85.
Where can I find ChoiceOne Financial's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001193125-25-273356) directly on SEC EDGAR. The filing index links above go to sec.gov.