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ChoiceOne Financial COFS Retained Earnings

Retained Earnings at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$428.21B+10.8%
Ally Financial logo
Ally FinancialALLY
$827M+1,160%
Huntington Bancshares logo
Huntington BancsharesHBAN
$6.52B+19.0%
Financial Institutions logo
Financial InstitutionsFISI
$451.48M+13.2%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$519.63M+9.0%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$208.34M+5.0%

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:RetainedEarningsAccumulatedDeficit.

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 retained earnings?
ChoiceOne Financial (COFS) reported retained earnings of $112.01M in Q1 2026.
How has ChoiceOne Financial's retained earnings changed year-over-year?
ChoiceOne Financial's retained earnings increased by 52.8% year-over-year, from $73.32M to $112.01M.
What is the long-term trend for ChoiceOne Financial's retained earnings?
Over 5 years (2020 to 2025), ChoiceOne Financial's retained earnings has grown at a 22.3% compound annual growth rate (CAGR), from $37.49M to $102.64M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.