ChoiceOne Financial Services (COFS)
Operates ChoiceOne Bank across western, central, and southeastern Michigan.
$32.78
vs last close−0.09 (−0.29%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 30 | 32 | 32 | 34 | 37 | 36 | 45 | 60 | 62 | 60 | 59 | 1 |
| Cost of revenue | 10 | 12 | 12 | 12 | 12 | 12 | 27 | 18 | 17 | 18 | 17 | 17 |
| Gross profit | 20 | 20 | 21 | 22 | 25 | 24 | 18 | 42 | 45 | 42 | 42 | −15 |
| 14 | 14 | 14 | 14 | 15 | 15 | 36 | 26 | 26 | 25 | 26 | 1 | |
| 9 | 9 | 8 | 9 | 9 | 9 | 11 | 15 | 15 | 15 | 1 | 1 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 8 | 8 | 8 | 9 | 9 | 9 | 11 | 14 | 15 | 15 | 1 | 1 |
| Other expenses | 5 | 5 | 5 | 5 | 6 | 6 | 25 | 11 | 11 | 10 | 25 | 0 |
| Operating income | 6 | 6 | 7 | 8 | 9 | 9 | −18 | 17 | 18 | 17 | 17 | −17 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 32 | |
| Interest income | 26 | 28 | 28 | 30 | 32 | 31 | 40 | 54 | 55 | 54 | 53 | −53 |
| Interest expense | 10 | 11 | 12 | 12 | 11 | 12 | 14 | 18 | 17 | 18 | 17 | 17 |
| Income before tax | 6 | 6 | 7 | 8 | 9 | 9 | −18 | 17 | 18 | 17 | 17 | 15 |
| Income tax expense | 1 | 1 | 1 | 2 | 2 | 2 | −4 | 3 | 4 | 3 | 3 | 3 |
| Net income from continuing operations | 5 | 5 | 6 | 7 | 7 | 7 | −14 | 14 | 15 | 14 | 14 | 12 |
| Net income | 5 | 5 | 6 | 7 | 7 | 7 | −14 | 14 | 15 | 14 | 14 | 12 |
| EPS, basic | $0.68 | $0.70 | $0.75 | $0.87 | $0.85 | $0.84 | −$1.70 | $0.90 | $0.98 | $0.92 | $0.91 | $0.83 |
| EPS, diluted | $0.68 | $0.70 | $0.74 | $0.87 | $0.85 | $0.84 | −$1.30 | $0.90 | $0.97 | $0.92 | $0.91 | $0.83 |
| Weighted average shares, basic | 8 | 8 | 8 | 8 | 9 | 9 | 8 | 15 | 15 | 15 | 15 | 15 |
| Weighted average shares, diluted | 8 | 8 | 8 | 8 | 9 | 9 | 11 | 15 | 15 | 15 | 15 | 15 |
| EBITDA | 9 | 10 | 10 | 11 | 12 | 12 | −14 | 22 | 24 | 22 | 22 | −22 |
| Depreciation & amortization | 3 | 3 | 3 | 3 | 3 | 3 | 4 | 5 | 6 | 5 | 5 | −5 |
| EBIT | 6 | 6 | 7 | 8 | 9 | 9 | −18 | 17 | 18 | 17 | 17 | −17 |