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ChoiceOne Financial COFS Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

Huntington Bancshares logo
Huntington BancsharesHBAN
$1.73B+32.2%
Financial Institutions logo
Financial InstitutionsFISI
$49.75M+13.2%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$42.11M+3.3%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$19.97M+9.2%
JPMorgan Chase logo
JPMorgan ChaseJPM
Ally Financial logo
Ally FinancialALLY

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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 (after provisions)?
ChoiceOne Financial (COFS) reported net interest income (after provisions) of $36.64M in Q1 2026.
How has ChoiceOne Financial's net interest income (after provisions) changed year-over-year?
ChoiceOne Financial's net interest income (after provisions) increased by 178.7% year-over-year, from $13.15M to $36.64M.
What is the long-term trend for ChoiceOne Financial's net interest income (after provisions)?
Over 4 years (2021 to 2025), ChoiceOne Financial's net interest income (after provisions) has grown at a 19.4% compound annual growth rate (CAGR), from $60.23M to $122.26M.
What does net interest income (after provisions) mean?
This metric is calculated by subtracting the provision for loan and lease losses from net interest income. It provides a more accurate view of the bank's profitability by accounting for the expected credit risk associated with the loan portfolio. It is a key indicator of the bank's ability to generate sustainable earnings after adjusting for potential credit deterioration.