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ChoiceOne Financial COFS Interchange Income

Interchange Income at other companies

Independent Bank Corporation logo
Independent Bank CorporationIBCP
$3.23M+3.4%
Orrstown Financial Services logo
Orrstown Financial ServicesORRF
$1.51M+6.0%
First Financial Corporation logo
First Financial CorporationTHFF
$186K-13.1%
Farmers & Merchants Bancorp logo
Farmers & Merchants BancorpFMAO
$1.51M+6.5%
Shore Bancshares logo
Shore BancsharesSHBI
$1.7M+7.7%
SBC
Seacoast Banking Corporation of FloridaSBCF
$2.07M+14.4%

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:InterchangeIncome.

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 interchange income?
ChoiceOne Financial (COFS) reported interchange income of $1.89M in Q1 2026.
How has ChoiceOne Financial's interchange income changed year-over-year?
ChoiceOne Financial's interchange income increased by 25.4% year-over-year, from $1.51M to $1.89M.
What does interchange income mean?
This represents the fees earned by the bank from processing debit and credit card transactions for its customers. It is a key component of noninterest income that scales with transaction volume and consumer spending activity. Higher interchange income reflects a robust retail banking franchise and active customer engagement with payment services.