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ChoiceOne Financial COFS Customer Service Charges

Customer Service Charges at other companies

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Bank First CorporationBFC
$4.69M+133%
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$2.03M+18.7%
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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 / equity0×0.0×

Where this comes from

Reported directly by ChoiceOne Financial in its filing.

Tagged under the XBRL concept cofs:CustomerServiceCharges.

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 customer service charges?
ChoiceOne Financial (COFS) reported customer service charges of $1.66M in Q1 2026.
How has ChoiceOne Financial's customer service charges changed year-over-year?
ChoiceOne Financial's customer service charges increased by 40.2% year-over-year, from $1.18M to $1.66M.
What is the long-term trend for ChoiceOne Financial's customer service charges?
Over 2 years (2021 to 2025), ChoiceOne Financial's customer service charges has grown at a -16.7% compound annual growth rate (CAGR), from $8.63M to $5.99M.
What does customer service charges mean?
This represents fee-based revenue generated from deposit accounts, such as maintenance fees, overdraft charges, and other transactional service fees. It is a component of noninterest income that provides a stable, recurring revenue stream independent of interest rate fluctuations. Growth in this area indicates strong customer retention and effective fee-based service utilization.