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COFS ChoiceOne Financial Services

Watchlist
  • 29.090
  • +0.700+2.47%
Close May 8 16:00 ET
  • 29.090
  • 0.0000.00%
Post 16:05 ET
435.62MMarket Cap24.04P/E (TTM)

ChoiceOne Financial Services Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
(Q3)Sep 30, 2023
(Q2)Jun 30, 2023
Total revenue
52.17%31.23M
14.41%92.44M
18.16%24.34M
26.02%25.12M
14.70%22.45M
-0.76%20.53M
-0.73%80.79M
-2.43%20.6M
-2.23%19.93M
-0.73%19.58M
Net interest income
59.71%26.31M
12.99%74.44M
16.87%19.35M
24.79%20.25M
14.17%18.37M
-3.16%16.47M
-2.12%65.89M
-4.66%16.56M
-6.41%16.23M
-1.22%16.09M
-Net interest income
40.54%39.96M
22.35%121.1M
11.00%31.04M
20.48%31.69M
28.43%29.94M
32.87%28.43M
31.87%98.98M
35.51%27.96M
36.40%26.3M
31.98%23.32M
-Interest income from loans and lease
57.03%32.64M
31.00%89.58M
19.29%23.57M
30.82%23.25M
37.51%21.97M
39.76%20.79M
29.46%68.38M
37.30%19.76M
30.59%17.77M
27.59%15.98M
-Interest income from securities
-4.29%7.32M
3.03%31.52M
-8.97%7.47M
-1.08%8.44M
8.65%7.97M
17.18%7.65M
37.59%30.6M
31.37%8.2M
50.33%8.53M
42.68%7.34M
-Total interest expense
14.13%13.65M
40.99%46.66M
2.48%11.69M
13.53%11.44M
60.18%11.57M
172.64%11.96M
327.25%33.1M
248.91%11.41M
417.62%10.08M
424.69%7.23M
-Interest expense for deposit
22.09%10.72M
42.45%34.17M
3.43%8.71M
15.55%8.36M
64.66%8.33M
167.92%8.78M
310.44%23.99M
236.44%8.42M
363.02%7.24M
407.63%5.06M
-Interest expense for long term debt and capital securities
365.31%2.05M
15.25%2.04M
145.05%669K
72.06%468K
-25.44%463K
-27.11%441K
1,413.68%1.77M
150.46%273K
5,340.00%272K
30,950.00%621K
-Other interest expense
-67.88%880K
42.45%10.45M
-14.82%2.31M
1.67%2.61M
79.91%2.79M
442.57%2.74M
311.10%7.33M
312.79%2.71M
577.84%2.57M
308.44%1.55M
Non interest income
21.50%4.92M
20.72%18M
23.43%4.99M
31.40%4.87M
17.16%4.08M
10.35%4.05M
5.93%14.91M
7.92%4.05M
21.56%3.7M
1.60%3.49M
-Total premiums earned
-21.41%389K
76.46%1.93M
186.36%819K
13.31%315K
13.38%305K
88.21%495K
-16.46%1.1M
-44.89%286K
7.34%278K
5.91%269K
-Fees and commissions
23.97%3.49M
12.97%12.22M
13.10%3.14M
15.88%3.19M
16.41%3.07M
6.38%2.82M
-0.43%10.82M
1.42%2.78M
-1.36%2.75M
-4.45%2.64M
-Other non interest income
92.40%481K
-16.53%1.01M
-14.72%255K
-20.00%264K
-16.61%241K
-14.38%250K
-0.74%1.21M
0.67%299K
23.60%330K
3.21%289K
-Gain loss on sale of assets
14.49%561K
58.74%2.83M
13.91%778K
219.48%1.1M
61.46%465K
4.48%490K
163.13%1.78M
252.06%683K
227.88%344K
114.93%288K
Credit losses provision
-13.16M
-316.67%-625K
46.67%-200K
-425K
0
0
40.00%-150K
-150.00%-375K
0
250K
Non interest expense
34.92%18.46M
4.74%57.68M
8.51%14.95M
7.60%14.77M
5.19%14.28M
-2.22%13.68M
2.98%55.07M
4.26%13.78M
2.33%13.73M
3.16%13.57M
Occupancy and equipment
17.58%1.72M
-4.15%5.8M
-5.98%1.38M
3.36%1.48M
-1.99%1.48M
-11.02%1.46M
-2.28%6.05M
-2.00%1.47M
-7.64%1.43M
-0.72%1.51M
Professional expense and contract services expense
13.33%697K
12.42%2.47M
24.86%653K
40.23%610K
-4.20%593K
-0.97%615K
1.06%2.2M
-4.39%523K
-22.18%435K
10.73%619K
Selling and administrative expenses
32.01%11.03M
4.91%35.53M
9.89%9.39M
4.12%8.93M
7.81%8.85M
-2.06%8.36M
6.25%33.87M
7.60%8.55M
6.39%8.58M
3.83%8.21M
-General and administrative expense
31.31%10.78M
4.81%34.74M
8.60%9.12M
5.46%8.76M
7.41%8.65M
-2.11%8.21M
6.54%33.15M
9.69%8.4M
5.66%8.31M
3.80%8.06M
-Selling and marketing expense
70.67%256K
9.29%788K
83.11%271K
-37.55%168K
28.39%199K
0.67%150K
-5.63%721K
-48.25%148K
35.18%269K
5.44%155K
Depreciation amortization depletion
234.98%680K
-20.73%757K
-24.63%153K
-19.84%198K
-19.76%203K
-19.44%203K
-17.17%955K
-19.44%203K
-16.84%247K
-21.43%253K
-Depreciation and amortization
234.98%680K
-20.73%757K
-24.63%153K
-19.84%198K
-19.76%203K
-19.44%203K
-17.17%955K
-19.44%203K
-16.84%247K
-21.43%253K
Other non-interest expense
42.22%4.34M
9.35%13.13M
11.04%3.37M
17.00%3.56M
5.70%3.15M
3.43%3.05M
-0.65%12.01M
2.09%3.03M
3.01%3.04M
4.67%2.98M
Income from associates and other participating interests
Special income (charges)
-17.2M
-1.04M
-394K
-645K
0
0
0
Less:Restructuring and mergern&acquisition
--17.2M
--1.04M
--394K
--645K
----
----
--0
--0
--0
----
Other non-operating income (expenses)
Income before tax
-357.20%-17.6M
29.42%33.09M
36.44%8.8M
49.52%9.27M
30.75%8.18M
2.67%6.84M
-7.56%25.57M
-16.79%6.45M
-9.71%6.2M
-4.71%6.25M
Income tax
-405.63%-3.69M
47.75%6.36M
41.87%1.64M
78.24%1.93M
52.88%1.59M
17.18%1.21M
7.17%4.31M
8.44%1.16M
2.27%1.08M
9.82%1.04M
Earnings from equity interest net of tax
Net income
-346.82%-13.91M
25.71%26.73M
35.25%7.16M
43.46%7.35M
26.34%6.59M
0.02%5.63M
-10.06%21.26M
-20.81%5.29M
-11.89%5.12M
-7.16%5.21M
Net Income continuous operations
-346.82%-13.91M
25.71%26.73M
35.25%7.16M
43.46%7.35M
26.34%6.59M
0.02%5.63M
-10.06%21.26M
-20.81%5.29M
-11.89%5.12M
-7.16%5.21M
Minority interest income
Net income attributable to the parent company
-346.82%-13.91M
25.71%26.73M
35.25%7.16M
43.46%7.35M
26.34%6.59M
0.02%5.63M
-10.06%21.26M
-20.81%5.29M
-11.89%5.12M
-7.16%5.21M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
-346.82%-13.91M
25.71%26.73M
35.25%7.16M
43.46%7.35M
26.34%6.59M
0.02%5.63M
-10.06%21.26M
-20.81%5.29M
-11.89%5.12M
-7.16%5.21M
Basic earnings per share
-273.33%-1.3
15.96%3.27
12.86%0.79
26.47%0.86
26.09%0.87
0.00%0.75
-10.48%2.82
-21.35%0.7
-11.69%0.68
-8.00%0.69
Diluted earnings per share
-275.68%-1.3
15.25%3.25
12.86%0.79
25.00%0.85
26.09%0.87
-1.33%0.74
-10.48%2.82
-21.35%0.7
-11.69%0.68
-8.00%0.69
Dividend per share
3.70%0.28
3.81%1.09
3.70%0.28
3.85%0.27
3.85%0.27
3.85%0.27
3.96%1.05
3.85%0.27
4.00%0.26
4.00%0.26
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion with Explanatory Notes
--
--
--
(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023(Q3)Sep 30, 2023(Q2)Jun 30, 2023
Total revenue 52.17%31.23M14.41%92.44M18.16%24.34M26.02%25.12M14.70%22.45M-0.76%20.53M-0.73%80.79M-2.43%20.6M-2.23%19.93M-0.73%19.58M
Net interest income 59.71%26.31M12.99%74.44M16.87%19.35M24.79%20.25M14.17%18.37M-3.16%16.47M-2.12%65.89M-4.66%16.56M-6.41%16.23M-1.22%16.09M
-Net interest income 40.54%39.96M22.35%121.1M11.00%31.04M20.48%31.69M28.43%29.94M32.87%28.43M31.87%98.98M35.51%27.96M36.40%26.3M31.98%23.32M
-Interest income from loans and lease 57.03%32.64M31.00%89.58M19.29%23.57M30.82%23.25M37.51%21.97M39.76%20.79M29.46%68.38M37.30%19.76M30.59%17.77M27.59%15.98M
-Interest income from securities -4.29%7.32M3.03%31.52M-8.97%7.47M-1.08%8.44M8.65%7.97M17.18%7.65M37.59%30.6M31.37%8.2M50.33%8.53M42.68%7.34M
-Total interest expense 14.13%13.65M40.99%46.66M2.48%11.69M13.53%11.44M60.18%11.57M172.64%11.96M327.25%33.1M248.91%11.41M417.62%10.08M424.69%7.23M
-Interest expense for deposit 22.09%10.72M42.45%34.17M3.43%8.71M15.55%8.36M64.66%8.33M167.92%8.78M310.44%23.99M236.44%8.42M363.02%7.24M407.63%5.06M
-Interest expense for long term debt and capital securities 365.31%2.05M15.25%2.04M145.05%669K72.06%468K-25.44%463K-27.11%441K1,413.68%1.77M150.46%273K5,340.00%272K30,950.00%621K
-Other interest expense -67.88%880K42.45%10.45M-14.82%2.31M1.67%2.61M79.91%2.79M442.57%2.74M311.10%7.33M312.79%2.71M577.84%2.57M308.44%1.55M
Non interest income 21.50%4.92M20.72%18M23.43%4.99M31.40%4.87M17.16%4.08M10.35%4.05M5.93%14.91M7.92%4.05M21.56%3.7M1.60%3.49M
-Total premiums earned -21.41%389K76.46%1.93M186.36%819K13.31%315K13.38%305K88.21%495K-16.46%1.1M-44.89%286K7.34%278K5.91%269K
-Fees and commissions 23.97%3.49M12.97%12.22M13.10%3.14M15.88%3.19M16.41%3.07M6.38%2.82M-0.43%10.82M1.42%2.78M-1.36%2.75M-4.45%2.64M
-Other non interest income 92.40%481K-16.53%1.01M-14.72%255K-20.00%264K-16.61%241K-14.38%250K-0.74%1.21M0.67%299K23.60%330K3.21%289K
-Gain loss on sale of assets 14.49%561K58.74%2.83M13.91%778K219.48%1.1M61.46%465K4.48%490K163.13%1.78M252.06%683K227.88%344K114.93%288K
Credit losses provision -13.16M-316.67%-625K46.67%-200K-425K0040.00%-150K-150.00%-375K0250K
Non interest expense 34.92%18.46M4.74%57.68M8.51%14.95M7.60%14.77M5.19%14.28M-2.22%13.68M2.98%55.07M4.26%13.78M2.33%13.73M3.16%13.57M
Occupancy and equipment 17.58%1.72M-4.15%5.8M-5.98%1.38M3.36%1.48M-1.99%1.48M-11.02%1.46M-2.28%6.05M-2.00%1.47M-7.64%1.43M-0.72%1.51M
Professional expense and contract services expense 13.33%697K12.42%2.47M24.86%653K40.23%610K-4.20%593K-0.97%615K1.06%2.2M-4.39%523K-22.18%435K10.73%619K
Selling and administrative expenses 32.01%11.03M4.91%35.53M9.89%9.39M4.12%8.93M7.81%8.85M-2.06%8.36M6.25%33.87M7.60%8.55M6.39%8.58M3.83%8.21M
-General and administrative expense 31.31%10.78M4.81%34.74M8.60%9.12M5.46%8.76M7.41%8.65M-2.11%8.21M6.54%33.15M9.69%8.4M5.66%8.31M3.80%8.06M
-Selling and marketing expense 70.67%256K9.29%788K83.11%271K-37.55%168K28.39%199K0.67%150K-5.63%721K-48.25%148K35.18%269K5.44%155K
Depreciation amortization depletion 234.98%680K-20.73%757K-24.63%153K-19.84%198K-19.76%203K-19.44%203K-17.17%955K-19.44%203K-16.84%247K-21.43%253K
-Depreciation and amortization 234.98%680K-20.73%757K-24.63%153K-19.84%198K-19.76%203K-19.44%203K-17.17%955K-19.44%203K-16.84%247K-21.43%253K
Other non-interest expense 42.22%4.34M9.35%13.13M11.04%3.37M17.00%3.56M5.70%3.15M3.43%3.05M-0.65%12.01M2.09%3.03M3.01%3.04M4.67%2.98M
Income from associates and other participating interests
Special income (charges) -17.2M-1.04M-394K-645K000
Less:Restructuring and mergern&acquisition --17.2M--1.04M--394K--645K----------0--0--0----
Other non-operating income (expenses)
Income before tax -357.20%-17.6M29.42%33.09M36.44%8.8M49.52%9.27M30.75%8.18M2.67%6.84M-7.56%25.57M-16.79%6.45M-9.71%6.2M-4.71%6.25M
Income tax -405.63%-3.69M47.75%6.36M41.87%1.64M78.24%1.93M52.88%1.59M17.18%1.21M7.17%4.31M8.44%1.16M2.27%1.08M9.82%1.04M
Earnings from equity interest net of tax
Net income -346.82%-13.91M25.71%26.73M35.25%7.16M43.46%7.35M26.34%6.59M0.02%5.63M-10.06%21.26M-20.81%5.29M-11.89%5.12M-7.16%5.21M
Net Income continuous operations -346.82%-13.91M25.71%26.73M35.25%7.16M43.46%7.35M26.34%6.59M0.02%5.63M-10.06%21.26M-20.81%5.29M-11.89%5.12M-7.16%5.21M
Minority interest income
Net income attributable to the parent company -346.82%-13.91M25.71%26.73M35.25%7.16M43.46%7.35M26.34%6.59M0.02%5.63M-10.06%21.26M-20.81%5.29M-11.89%5.12M-7.16%5.21M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders -346.82%-13.91M25.71%26.73M35.25%7.16M43.46%7.35M26.34%6.59M0.02%5.63M-10.06%21.26M-20.81%5.29M-11.89%5.12M-7.16%5.21M
Basic earnings per share -273.33%-1.315.96%3.2712.86%0.7926.47%0.8626.09%0.870.00%0.75-10.48%2.82-21.35%0.7-11.69%0.68-8.00%0.69
Diluted earnings per share -275.68%-1.315.25%3.2512.86%0.7925.00%0.8526.09%0.87-1.33%0.74-10.48%2.82-21.35%0.7-11.69%0.68-8.00%0.69
Dividend per share 3.70%0.283.81%1.093.70%0.283.85%0.273.85%0.273.85%0.273.96%1.053.85%0.274.00%0.264.00%0.26
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions --Unqualified Opinion--------Unqualified Opinion with Explanatory Notes------

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