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ChoiceOne Financial COFS Net Interest Income

Net Interest Income at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$25.37B+9.0%
Huntington Bancshares logo
Huntington BancsharesHBAN
$1.89B+32.6%
Financial Institutions logo
Financial InstitutionsFISI
$51.99M+10.9%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.82M+3.1%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$20.75M+8.7%
STB
S&T BancorpSTBA
$88.44M+6.1%

Other financials

Income statement

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Revenue$42.5M+35.9%
Net income$13.7M+199%
EPS (diluted)$0.91+171%

Balance sheet

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Cash & equivalents$84.2M-39.6%
Total debt$2.9M+360%
Total equity$470.0M+10.1%
Total assets$4.4B+2.1%

Cash flow

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Operating cash flow-$177.0K+98.1%
CapEx$1.5M+82.5%
Free cash flow-$1.7M+83.4%

Valuation

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Market cap$490.73M+17.4%
P/E8.8×-49.4×
P/S2.8×-1.2×

Profitability

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Net margin32.3%+25.3pp
FCF margin19.5%

Returns & leverage

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Return on equity12.4%+10.2pp
Debt / equity0.0×

Where this comes from

Reported directly by ChoiceOne Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: ChoiceOne Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's net interest income?
ChoiceOne Financial (COFS) reported net interest income of $36.64M in Q1 2026.
How has ChoiceOne Financial's net interest income changed year-over-year?
ChoiceOne Financial's net interest income increased by 39.3% year-over-year, from $26.31M to $36.64M.
What is the long-term trend for ChoiceOne Financial's net interest income?
Over 4 years (2021 to 2025), ChoiceOne Financial's net interest income has grown at a 22.6% compound annual growth rate (CAGR), from $60.64M to $137.07M.
What does net interest income mean?
This is the difference between the interest income generated from loans and investment securities and the interest expense paid on deposits and other borrowings. It serves as the primary driver of a bank's core profitability and reflects the spread earned on the bank's balance sheet. A higher net interest income indicates effective management of the net interest margin and asset-liability mix.