Filing Flows › Choiceone Financial Services (COFS) › Q1 2026 › vs Q4 2025
Choiceone Financial Services (COFS) Q1 2026 vs Q4 2025 (quarter over quarter)
Choiceone Financial Services's revenue fell $1.4M (-2%) from $60.5M in Q4 2025 to $59.1M in Q1 2026. Operating margin 28.2% against 27.8% (+0.5 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 Q4 2025, the increases inside each band.
Margins
| Q1 2026 | Q4 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.2% | 27.8% | +0.5 pts |
| Net margin | 23.2% | 22.9% | +0.3 pts |
Every line
| Line | Q1 2026 | Q4 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $59.1M | $60.5M | −$1.4M | -2% |
| Operating profit | $16.7M | $16.8M | −$107K | -0.6% |
| Costs & expenses | $42.4M | $43.7M | −$1.3M | -3% |
| Pre-tax earnings | $16.7M | $16.8M | −$107K | -0.6% |
| Sales & marketing | $264K | $258K | $6K | +2% |
| Other operating costs | $42.1M | $43.4M | −$1.3M | -3% |
| Net earnings | $13.7M | $13.9M | −$163K | -1% |
| Income tax | $3.0M | $2.9M | $56K | +2% |
| Operating cash sources | $16.7M | $2.8M | $13.9M | +496% |
| Depreciation & amortization | $2.6M | $2.7M | −$151K | -6% |
| Share-based compensation | $298K | $259K | $39K | +15% |
| Cash used in operations | $177K | −$14.0M | $14.2M | — |
| Working capital & other | $16.7M | $2.8M | $13.9M | +496% |
Questions
How much did Choiceone Financial Services's revenue grow quarter over quarter in Q1 2026?
Choiceone Financial Services's revenue fell $1.4M (-2%) from $60.5M in Q4 2025 to $59.1M in Q1 2026. Operating margin 28.2% against 27.8% (+0.5 pts).