Filing Flows › Choiceone Financial Services (COFS) › Q1 2026 › vs Q1 2025
Choiceone Financial Services (COFS) Q1 2026 vs Q1 2025 (year over year)
Choiceone Financial Services's revenue rose $14.2M (+32%) from $44.9M in Q1 2025 to $59.1M in Q1 2026. Operating margin 28.2% against -39.2% (+67.4 pts).
Choiceone Financial Services, Q1 2026: revenue $59.1M (+32% year over year), operating margin 28.2%, net earnings $13.7M, operating cash flow −$177K. The chart draws each line against Q1 2025, the increases inside each band.
Margins
| Q1 2026 | Q1 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.2% | -39.2% | +67.4 pts |
| Net margin | 23.2% | -31.0% | +54.2 pts |
Every line
| Line | Q1 2026 | Q1 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $59.1M | $44.9M | $14.2M | +32% |
| Operating profit | $16.7M | −$17.6M | $34.3M | — |
| Costs & expenses | $42.4M | $62.5M | −$20.1M | -32% |
| Pre-tax earnings | $16.7M | −$17.6M | $34.3M | — |
| Sales & marketing | $264K | $256K | $8K | +3% |
| Other operating costs | $42.1M | $62.2M | −$20.1M | -32% |
| Net earnings | $13.7M | −$13.9M | $27.6M | — |
| Income tax | $3.0M | −$3.7M | $6.7M | — |
| Operating cash sources | $16.7M | −$3.0M | $19.7M | — |
| Depreciation & amortization | $2.6M | $1.3M | $1.2M | +94% |
| Share-based compensation | $298K | $190K | $108K | +57% |
| Cash used in operations | $177K | $9.4M | −$9.2M | -98% |
| Working capital & other | $16.7M | −$3.0M | $19.7M | — |
Questions
How much did Choiceone Financial Services's revenue grow year over year in Q1 2026?
Choiceone Financial Services's revenue rose $14.2M (+32%) from $44.9M in Q1 2025 to $59.1M in Q1 2026. Operating margin 28.2% against -39.2% (+67.4 pts).