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ChoiceOne Financial COFS Q4 2025 Annual earnings

Reported January 30, 2026 · Before market open

Revenue$42.9MMiss by $913.0K
EPS$0.92Beat by $0.01
Revenue estimate$43.9M
EPS estimate$0.91

Next report

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

Financials

Q4 2025

Income statement

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Revenue$42.9M+76.4%
Net income$13.9M+93.7%
EPS (diluted)$0.96+21.5%

Balance sheet

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Cash & equivalents$88.0M-9.1%
Total debt$2.9M+360%
Total equity$465.4M+78.7%
Total assets$4.4B+62.0%

Cash flow

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Operating cash flow$14.0M-40.0%
CapEx$2.1M+221%
Free cash flow$11.9M-47.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$443.5M+38.9%
Enterprise value$358.37M+60.6%
P/E15.7×+3.8×
P/S2.7×-0.7×

Profitability

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Net margin17.4%-11.5pp
FCF margin15.6%—

Returns & leverage

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Return on equity7.8%-4.0pp
Debt / equity0×0.0×

Segments

By product

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Interchange Income$2.1M+39.6%
Customer Service Charges$1.7M+36.1%
Trust Fee Income$689.0K+186%
Other Charges And Fees For Customer Services$188.0K+22.9%

Versus estimates

Revenue

Q2 2026$41.1MMiss by $2.4MQ1 2026$42.5MMiss by $243.0K
Q4 2025$42.9MMiss by $913.0K
Q3 2025$44.7MBeat by $941.0KQ2 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 $0.06
Q4 2025$0.92Beat by $0.01
Q3 2025$0.97Beat by $0.11Q2 2025$0.91Beat by $0.11Q1 2025$0.86Beat by $0.04

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Questions, answered.

When did ChoiceOne Financial report Q4 2025 earnings?
ChoiceOne Financial (COFS) reported Q4 2025 earnings on January 30, 2026 before market open.
What were ChoiceOne Financial's Q4 2025 revenue and EPS?
ChoiceOne Financial reported revenue of $42.9M and eps of $0.92 for Q4 2025.
Did ChoiceOne Financial beat estimates in Q4 2025?
Revenue missed the consensus estimate of $43.9M by $913.0K. EPS beat the consensus estimate of $0.91 by $0.01.
How did ChoiceOne Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 19.2% from $36.0M a year earlier and eps grew 9.8% from $0.84.
Where can I find ChoiceOne Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-030504) and the 10-K periodic report (0001193125-26-105046) directly on SEC EDGAR. The filing index links above go to sec.gov.