# Choiceone Financial Services Inc: overview

COFS · Nasdaq · CIK 803164 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31

Pages: [Overview](/companies/cofs.md) · [Financials](/companies/cofs/financials.md) · [Filings](/companies/cofs/filings.md) · [Insiders](/companies/cofs/insiders.md)

Latest reported revenue: [$5.4m](/filings/0001193125-26-342347.md) for Q2 FY2026, three months to 2026-06-30, from the 10-Q filed Aug 10, 2026 (XBRL us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax, accession 0001193125-26-342347).

## Last eight quarters

| Line item | Unit | Q3 FY2024 (2024-09-30) | Q4 FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q4 FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | [3.4](/filings/0001193125-25-273356.md) | [36.0 d](/filings/0001193125-26-105046.md) | [44.9](/filings/0001193125-26-216698.md) | [4.8](/filings/0001193125-26-342347.md) | [5.3](/filings/0001193125-25-273356.md) | [60.5 d](/filings/0001193125-26-105046.md) | [59.1](/filings/0001193125-26-216698.md) | [5.4](/filings/0001193125-26-342347.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | [219.3%](/filings/0001193125-25-273356.md) | [19.9% d](/filings/0001193125-26-105046.md) | [(31.0%)](/filings/0001193125-26-216698.md) | [280.9%](/filings/0001193125-26-342347.md) | [277.8%](/filings/0001193125-25-273356.md) | [22.9% d](/filings/0001193125-26-105046.md) | [23.2%](/filings/0001193125-26-216698.md) | [229.5%](/filings/0001193125-26-342347.md) |
| Diluted EPS | $ per share | [0.85](/filings/0001193125-25-273356.md) | not reported | [(1.29)](/filings/0001193125-26-216698.md) | [0.90](/filings/0001193125-26-342347.md) | [0.97](/filings/0001193125-25-273356.md) | not reported | [0.91](/filings/0001193125-26-216698.md) | [0.83](/filings/0001193125-26-342347.md) |
| Free cash flow | $m | [(7.6) d](/filings/0001193125-25-273356.md) | [22.7 d](/filings/0001193125-26-105046.md) | [(10.2)](/filings/0001193125-26-216698.md) | [9.8 d](/filings/0001193125-26-342347.md) | [13.7 d](/filings/0001193125-25-273356.md) | [11.9 d](/filings/0001193125-26-105046.md) | [(1.7)](/filings/0001193125-26-216698.md) | [27.1 d](/filings/0001193125-26-342347.md) |

- Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax; Revenue: us-gaap:Revenues. Derived values: 12-month figure less the 9-month figure.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Derived values: 9-month figure less the 6-month figure; 12-month figure less the 9-month figure; 6-month figure less the 3-month figure.

## Last five fiscal years

| Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) |
| --- | --- | ---: | ---: | ---: | ---: | ---: |
| Revenue | $m | not reported | [89.1](/filings/0000950170-25-036839.md) | [114](/filings/0001193125-26-105046.md) | [139](/filings/0001193125-26-105046.md) | [228](/filings/0001193125-26-105046.md) |
| Gross margin | % | not reported | not reported | not reported | not reported | not reported |
| Operating margin | % | not reported | not reported | not reported | not reported | not reported |
| Net margin | % | not reported | [26.5%](/filings/0000950170-25-036839.md) | [18.7%](/filings/0001193125-26-105046.md) | [19.2%](/filings/0001193125-26-105046.md) | [12.4%](/filings/0001193125-26-105046.md) |
| Diluted EPS | $ per share | [2.86](/filings/0000950170-24-030747.md) | [3.15](/filings/0000950170-25-036839.md) | [2.82](/filings/0001193125-26-105046.md) | [3.25](/filings/0001193125-26-105046.md) | [2.01](/filings/0001193125-26-105046.md) |
| Free cash flow | $m | [34.9](/filings/0000950170-24-030747.md) | [43.2](/filings/0000950170-25-036839.md) | [42.1](/filings/0001193125-26-105046.md) | [45.4](/filings/0001193125-26-105046.md) | [25.2](/filings/0001193125-26-105046.md) |

- Revenue. XBRL Revenue: us-gaap:Revenues.
- Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:Revenues.
- Operating margin (operating income / revenue). XBRL Revenue: us-gaap:Revenues.
- Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:Revenues.
- Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted.
- Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment.

Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing.

## Insider purchases and sales

The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/cofs/insiders.md)

None in coverage.

## Funds that report holding it

From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md)

| Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before |
| --- | --- | ---: | ---: | --- | --- |
| [BlackRock, Inc.](/funds/2012383.md) | 2026-06-30 | $37.0m | 1,086,956 |  | Added +123,727 |
| [NORTHERN TRUST CORP](/funds/73124.md) | 2026-06-30 | $23.0m | 676,173 |  | Reduced −15,610 |
| [VANGUARD CAPITAL MANAGEMENT LLC](/funds/2100119.md) | 2026-06-30 | $21.2m | 624,274 |  | Reduced −8,874 |
| [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $15.2m | 447,442 |  | Added +126,269 |
| [GEODE CAPITAL MANAGEMENT, LLC](/funds/1214717.md) | 2026-06-30 | $13.0m | 380,890 |  | Added +30,255 |
| [DIMENSIONAL FUND ADVISORS LP](/funds/354204.md) | 2026-06-30 | $9.8m | 288,653 |  | Added +48,228 |
| [ALLIANCEBERNSTEIN L.P.](/funds/1109448.md) | 2026-06-30 | $9.6m | 342,635 |  | Reduced −15,860 |
| [HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC](/funds/1164833.md) | 2026-06-30 | $7.7m | 227,280 |  | Added +1,200 |
| [MANUFACTURERS LIFE INSURANCE COMPANY, THE](/funds/928047.md) | 2026-06-30 | $7.5m | 219,602 |  | Reduced −1,678 |
| [AQR CAPITAL MANAGEMENT LLC](/funds/1167557.md) | 2026-06-30 | $7.0m | 205,739 |  | Added +157,664 |

## Recent filings

[All 1,389 filings](/companies/cofs/filings.md)

| Filed | Accepted | Form | What it is | Accession |
| --- | --- | --- | --- | --- |
| 2026-08-10 | 16:06 ET | [10-Q](/filings/0001193125-26-342347.md) | Quarterly report, period 2026-06-30 | 0001193125-26-342347 |
| 2026-07-24 | 07:00 ET | [8-K](/filings/0001193125-26-315065.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001193125-26-315065 |
| 2026-05-27 | 16:44 ET | [8-K/A](/filings/0000905729-26-000112.md) | 5.07 Shareholder vote results | 0000905729-26-000112 |
| 2026-05-22 | 09:00 ET | [8-K](/filings/0000905729-26-000109.md) | 5.07 Shareholder vote results | 0000905729-26-000109 |
| 2026-05-20 | 07:31 ET | [8-K](/filings/0000905729-26-000107.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000905729-26-000107 |
| 2026-05-11 | 16:02 ET | [10-Q](/filings/0001193125-26-216698.md) | Quarterly report, period 2026-03-31 | 0001193125-26-216698 |
| 2026-05-05 | 08:30 ET | [8-K](/filings/0000905729-26-000093.md) | 7.01 Regulation FD disclosure; 9.01 Financial statements and exhibits | 0000905729-26-000093 |
| 2026-04-24 | 07:45 ET | [8-K](/filings/0001193125-26-175011.md) | 2.02 Results of operations; 9.01 Financial statements and exhibits | 0001193125-26-175011 |
| 2026-04-13 | 06:07 ET | [DEF 14A](/filings/0001140361-26-014320.md) | Proxy statement, period 2026-05-20 | 0001140361-26-014320 |
| 2026-03-13 | 07:31 ET | [10-K](/filings/0001193125-26-105046.md) | Annual report, period 2025-12-31 | 0001193125-26-105046 |

## Latest annual report

[Form 10-K for the fiscal year ended Dec 31, 2025](/filings/0001193125-26-105046.md), filed Mar 13, 2026.

## Forecast league

Q3 FY2026, the quarter ended 2026-09-30, is open for forecasts until the first results filing for it is accepted by EDGAR. Results are due by \[object Promise\]. [Forecast this quarter](/leagues/2026q3/targets/1d9cd2be-9450-40db-8f1b-166d72a41501)

## About the filer

- CIK: 803164
- Tickers: COFS
- Exchange: Nasdaq
- SIC code: 6022 State Commercial Banks
- State of incorporation: MI
- Filer category: Accelerated filer

Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 30, 2026, 07:17 ET. No prices; not investment advice.