Filing Flows › Choiceone Financial Services (COFS) › Operating margin
Choiceone Financial Services (COFS) operating margin by quarter
Choiceone Financial Services' operating margin was 25.5% in Q2 2026 (second quarter 2026), -2.7 pts from Q1 2026. Over the last 6 quarters it ranged from 24.4% (Q4 2024) to 29.6% (Q3 2025).
| Quarter | Operating margin | Q/Q | Y/Y |
|---|---|---|---|
| Q2 2026 | 25.5% | -2.7 pts | -2.0 pts |
| Q1 2026 | 28.2% | +0.5 pts | — |
| Q4 2025 | 27.8% | -1.9 pts | +3.3 pts |
| Q3 2025 | 29.6% | +2.0 pts | — |
| Q2 2025 | 27.6% | +3.2 pts | — |
| Q4 2024 | 24.4% | — | — |
Q2 2026 at a glance
Choiceone Financial Services, Q2 2026: revenue $58.9M (-3% year over year), operating margin 25.5%, net earnings $12.5M, operating cash flow $29.9M. The chart follows the revenue to costs, profit and cash.
Questions
What is Choiceone Financial Services' operating margin?
Choiceone Financial Services' operating margin was 25.5% in Q2 2026 (second quarter 2026), -2.7 pts from Q1 2026.
How has Choiceone Financial Services' operating margin changed?
Over the last 6 quarters it ranged from 24.4% (Q4 2024) to 29.6% (Q3 2025).
Q2 2026 results → · How Choiceone Financial Services makes money →