# Choiceone Financial Services Inc: financial statements, quarterly

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)

Standardized line items from XBRL company facts. Each value links to its filing; d marks a value derived from year-to-date figures. Other view: [annual](/companies/cofs/financials.md?period=annual).

## Income statement

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | 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 | [2.9](/filings/0000950170-24-124039.md) | [105 d](/filings/0001193125-26-105046.md) | [32.5](/filings/0000950170-25-069133.md) | [3.2](/filings/0000950170-25-105803.md) | [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) |
| Interest expense | $m | [10.1](/filings/0000950170-23-062899.md) | [11.4 d](/filings/0000950170-24-030747.md) | [12.0](/filings/0000950170-24-054451.md) | [11.6](/filings/0001140361-24-037183.md) | not reported | not reported | not reported | not reported | not reported | not reported | not reported | not reported |
| Income tax | $m | [1.1](/filings/0000950170-24-124039.md) | [1.2 d](/filings/0001193125-26-105046.md) | [1.2](/filings/0000950170-25-069133.md) | [1.6](/filings/0000950170-25-105803.md) | [1.9](/filings/0001193125-25-273356.md) | [1.6 d](/filings/0001193125-26-105046.md) | [(3.7)](/filings/0001193125-26-216698.md) | [3.1](/filings/0001193125-26-342347.md) | [3.6](/filings/0001193125-25-273356.md) | [2.9 d](/filings/0001193125-26-105046.md) | [3.0](/filings/0001193125-26-216698.md) | [2.6](/filings/0001193125-26-342347.md) |
| Net income | $m | [5.1](/filings/0000950170-24-124039.md) | [5.3 d](/filings/0001193125-26-105046.md) | [5.6](/filings/0000950170-25-069133.md) | [6.6](/filings/0000950170-25-105803.md) | [7.3](/filings/0001193125-25-273356.md) | [7.2 d](/filings/0001193125-26-105046.md) | [(13.9)](/filings/0001193125-26-216698.md) | [13.5](/filings/0001193125-26-342347.md) | [14.7](/filings/0001193125-25-273356.md) | [13.9 d](/filings/0001193125-26-105046.md) | [13.7](/filings/0001193125-26-216698.md) | [12.5](/filings/0001193125-26-342347.md) |
| Diluted EPS | $ per share | [0.68](/filings/0000950170-24-124039.md) | not reported | [0.74](/filings/0000950170-25-069133.md) | [0.87](/filings/0000950170-25-105803.md) | [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) |
| Basic EPS | $ per share | [0.68](/filings/0000950170-24-124039.md) | not reported | [0.75](/filings/0000950170-25-069133.md) | [0.87](/filings/0000950170-25-105803.md) | [0.86](/filings/0001193125-25-273356.md) | not reported | [(1.30)](/filings/0001193125-26-216698.md) | [0.90](/filings/0001193125-26-342347.md) | [0.98](/filings/0001193125-25-273356.md) | not reported | [0.91](/filings/0001193125-26-216698.md) | [0.83](/filings/0001193125-26-342347.md) |

- Revenue: us-gaap:RevenueFromContractWithCustomerIncludingAssessedTax, us-gaap:Revenues
- Interest expense: us-gaap:InterestExpense
- Income tax: us-gaap:IncomeTaxExpenseBenefit
- Net income: us-gaap:NetIncomeLoss
- Diluted EPS: us-gaap:EarningsPerShareDiluted
- Basic EPS: us-gaap:EarningsPerShareBasic

## Balance sheet

| Line item | Unit | Q3 FY2023 (2023-09-30) | FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | FY2024 (2024-12-31) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | FY2025 (2025-12-31) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Cash and equivalents | $m | [145](/filings/0000950170-23-062899.md) | [55.4](/filings/0000950170-25-036839.md) | [150](/filings/0000950170-24-054451.md) | [101](/filings/0001140361-24-037183.md) | [146](/filings/0000950170-24-124039.md) | [96.8](/filings/0001193125-26-105046.md) | [139](/filings/0000950170-25-069133.md) | [156](/filings/0000950170-25-105803.md) | [99.0](/filings/0001193125-25-273356.md) | [88.0](/filings/0001193125-26-342347.md) | [84.2](/filings/0001193125-26-216698.md) | [88.6](/filings/0001193125-26-342347.md) |
| Total assets | $m | [2,574](/filings/0000950170-23-062899.md) | [2,577](/filings/0001193125-26-105046.md) | [2,671](/filings/0000950170-25-069133.md) | [2,671](/filings/0000950170-25-105803.md) | [2,723](/filings/0001193125-25-273356.md) | [2,723](/filings/0001193125-26-105046.md) | [4,305](/filings/0001193125-26-216698.md) | [4,310](/filings/0001193125-26-342347.md) | [4,297](/filings/0001193125-25-273356.md) | [4,411](/filings/0001193125-26-342347.md) | [4,395](/filings/0001193125-26-216698.md) | [4,457](/filings/0001193125-26-342347.md) |
| Total liabilities | $m | [2,393](/filings/0000950170-23-062899.md) | [2,381](/filings/0000950170-25-036839.md) | [2,464](/filings/0000950170-24-054451.md) | [2,409](/filings/0001140361-24-037183.md) | [2,478](/filings/0000950170-24-124039.md) | [2,463](/filings/0001193125-26-105046.md) | [3,878](/filings/0000950170-25-069133.md) | [3,878](/filings/0000950170-25-105803.md) | [3,847](/filings/0001193125-25-273356.md) | [3,945](/filings/0001193125-26-342347.md) | [3,925](/filings/0001193125-26-216698.md) | [3,974](/filings/0001193125-26-342347.md) |
| Shareholders' equity | $m | [181](/filings/0000950170-24-124039.md) | [196](/filings/0001193125-26-105046.md) | [207](/filings/0000950170-25-105803.md) | [215](/filings/0001193125-25-273356.md) | [248](/filings/0001193125-25-273356.md) | [260](/filings/0001193125-26-342347.md) | [427](/filings/0001193125-26-342347.md) | [432](/filings/0001193125-26-342347.md) | [450](/filings/0001193125-25-273356.md) | [465](/filings/0001193125-26-342347.md) | [470](/filings/0001193125-26-342347.md) | [483](/filings/0001193125-26-342347.md) |

- Cash and equivalents: us-gaap:CashAndCashEquivalentsAtCarryingValue
- Total assets: us-gaap:Assets
- Total liabilities: us-gaap:Liabilities
- Shareholders' equity: us-gaap:StockholdersEquity

## Cash flow

| Line item | Unit | Q3 FY2023 (2023-09-30) | Q4 FY2023 (2023-12-31) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | 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) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Operating cash flow | $m | [32.2 d](/filings/0000950170-24-124039.md) | [(11.0) d](/filings/0001193125-26-105046.md) | [15.3](/filings/0000950170-25-069133.md) | [15.7 d](/filings/0000950170-25-105803.md) | [(7.4) d](/filings/0001193125-25-273356.md) | [23.4 d](/filings/0001193125-26-105046.md) | [(9.4)](/filings/0001193125-26-216698.md) | [11.9 d](/filings/0001193125-26-342347.md) | [15.3 d](/filings/0001193125-25-273356.md) | [14.0 d](/filings/0001193125-26-105046.md) | [(0.2)](/filings/0001193125-26-216698.md) | [29.9 d](/filings/0001193125-26-342347.md) |
| Capital expenditure | $m | [1.2 d](/filings/0000950170-24-124039.md) | [0.8 d](/filings/0001193125-26-105046.md) | [0.3](/filings/0000950170-25-069133.md) | [0.5 d](/filings/0000950170-25-105803.md) | [0.3 d](/filings/0001193125-25-273356.md) | [0.7 d](/filings/0001193125-26-105046.md) | [0.8](/filings/0001193125-26-216698.md) | [2.1 d](/filings/0001193125-26-342347.md) | [1.6 d](/filings/0001193125-25-273356.md) | [2.1 d](/filings/0001193125-26-105046.md) | [1.5](/filings/0001193125-26-216698.md) | [2.8 d](/filings/0001193125-26-342347.md) |
| Dividends paid | $m | [2.0 d](/filings/0000950170-24-124039.md) | [2.0 d](/filings/0001193125-26-105046.md) | [2.0](/filings/0000950170-25-069133.md) | [2.0 d](/filings/0000950170-25-105803.md) | [2.4 d](/filings/0001193125-25-273356.md) | [2.5 d](/filings/0001193125-26-105046.md) | [4.2](/filings/0001193125-26-216698.md) | [4.2 d](/filings/0001193125-26-342347.md) | [4.2 d](/filings/0001193125-25-273356.md) | [4.4 d](/filings/0001193125-26-105046.md) | [4.3](/filings/0001193125-26-216698.md) | [4.3 d](/filings/0001193125-26-342347.md) |
| Share repurchases | $m | [0.0 d](/filings/0000950170-23-062899.md) | [0.0 d](/filings/0001193125-26-105046.md) | [0.0](/filings/0000950170-25-069133.md) | not reported | not reported | not reported | [2.1](/filings/0001193125-26-216698.md) | [(2.1) d](/filings/0001193125-26-342347.md) | not reported | not reported | [1.4](/filings/0001193125-26-216698.md) | [1.1 d](/filings/0001193125-26-342347.md) |

- Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities
- Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment
- Dividends paid: us-gaap:PaymentsOfDividends
- Share repurchases: us-gaap:PaymentsForRepurchaseOfCommonStock

## Shares

| Line item | Unit | Q3 FY2022 (2022-09-30) | Q1 FY2023 (2023-03-31) | Q2 FY2023 (2023-06-30) | Q3 FY2023 (2023-09-30) | Q1 FY2024 (2024-03-31) | Q2 FY2024 (2024-06-30) | Q3 FY2024 (2024-09-30) | Q1 FY2025 (2025-03-31) | Q2 FY2025 (2025-06-30) | Q3 FY2025 (2025-09-30) | Q1 FY2026 (2026-03-31) | Q2 FY2026 (2026-06-30) |
| --- | --- | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: | ---: |
| Diluted shares (weighted) | millions of shares | [7.5](/filings/0000950170-23-062899.md) | [7.6](/filings/0000950170-24-054451.md) | [7.6](/filings/0001140361-24-037183.md) | [7.6](/filings/0000950170-24-124039.md) | [7.6](/filings/0000950170-25-069133.md) | [7.6](/filings/0000950170-25-105803.md) | [8.6](/filings/0001193125-25-273356.md) | [10.7](/filings/0001193125-26-216698.md) | [15.0](/filings/0001193125-26-342347.md) | [15.1](/filings/0001193125-25-273356.md) | [15.0](/filings/0001193125-26-216698.md) | [15.0](/filings/0001193125-26-342347.md) |

- Diluted shares (weighted): us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Shares outstanding: 14,955,520 at 2026-07-31, from the cover of the [10-Q filed 2026-08-10](/filings/0001193125-26-342347.md) (dei:EntityCommonStockSharesOutstanding).

Source: SEC EDGAR, XBRL company facts. Last ingested by Listed: Oct 24, 2026, 15:24 ET. No prices; not investment advice.