When did ChoiceOne Financial report Q4 2024 earnings?

ChoiceOne Financial (COFS) reported Q4 2024 earnings on March 11, 2025.

What were ChoiceOne Financial's Q4 2024 revenue and EPS?

ChoiceOne Financial reported revenue of $36.0M and eps of $0.84 for Q4 2024.

Where can I find ChoiceOne Financial's Q4 2024 SEC filings?

You can read the 10-K periodic report (0000950170-25-036839) directly on SEC EDGAR. The filing index links above go to sec.gov.

ChoiceOne Financial COFS Q4 2024 Annual earnings

Reported March 11, 2025

Revenue$36.0M

EPS$0.84

Next report

Oct 23, 2026 (in 3 months)

Revenue estimate$44.5M

EPS estimate$0.92

Financials

Q4 2024

Income statement

See full

Revenue$24.3M+18.2%

Net income$7.2M+35.3%

EPS (diluted)$0.79+12.9%

Balance sheet

See full

Cash & equivalents$96.8M+74.5%

Total debt$621.0K-12.4%

Total equity$260.4M+33.1%

Total assets$2.7B+5.7%

Cash flow

See full

Operating cash flow$23.4M—

CapEx$659.0K-15.5%

Free cash flow$22.7M—

Valuation & ratios

Valuation

as of 12/31/24

See full

Market cap$319.25M+44.1%

Enterprise value$223.12M+33.7%

P/E11.9×+1.5×

P/S3.5×+0.7×

Profitability

See full

Net margin28.9%+2.6pp

Returns & leverage

See full

Return on equity11.7%-0.2pp

Debt / equity0×0.0×

Segments

By product

See full

Interchange Income$1.5M—

Customer Service Charges$1.2M—

Trust Fee Income$241.0K—

Insurance And Investment Commission Income$185.5K—

Other Charges And Fees For Customer Services$153.0K—

Versus estimates

Revenue

Q2 2026$41.1MMiss by $2.4M Q1 2026$42.5MMiss by $243.0K Q4 2025$42.9MMiss by $913.0K Q3 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 $0.05 Q1 2026$0.91Beat by $0.06 Q4 2025$0.92Beat by $0.01 Q3 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 Q4 2024 earnings?: ChoiceOne Financial (COFS) reported Q4 2024 earnings on March 11, 2025.
What were ChoiceOne Financial's Q4 2024 revenue and EPS?: ChoiceOne Financial reported revenue of $36.0M and eps of $0.84 for Q4 2024.
Where can I find ChoiceOne Financial's Q4 2024 SEC filings?: You can read the 10-K periodic report (0000950170-25-036839) directly on SEC EDGAR. The filing index links above go to sec.gov.