Filing Flows › Choiceone Financial Services (COFS) › Q2 2026 › vs Q2 2025
Choiceone Financial Services (COFS) Q2 2026 vs Q2 2025 (year over year)
Choiceone Financial Services's revenue fell $1.5M (-3%) from $60.4M in Q2 2025 to $58.9M in Q2 2026. Operating margin 25.5% against 27.6% (-2.0 pts).
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 draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 25.5% | 27.6% | -2.0 pts |
| Net margin | 21.2% | 22.4% | -1.2 pts |
| Free cash flow margin | 46.1% | 16.2% | +29.9 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $58.9M | $60.4M | −$1.5M | -3% |
| Operating profit | $15.0M | $16.7M | −$1.6M | -10% |
| Costs & expenses | $43.8M | $43.8M | $85K | +0.2% |
| Pre-tax earnings | $15.0M | $16.7M | −$1.6M | -10% |
| Sales & marketing | $279K | $260K | $19K | +7% |
| Other operating costs | $43.6M | $43.5M | $66K | +0.2% |
| Net earnings | $12.5M | $13.5M | −$1.1M | -8% |
| Income tax | $2.6M | $3.1M | −$563K | -18% |
| Depreciation & amortization | $2.5M | $2.6M | −$122K | -5% |
| Share-based compensation | $266K | $192K | $74K | +39% |
| Working capital & other | $14.7M | −$4.5M | $19.2M | — |
| Operating cash flow | $29.9M | $11.9M | $18.1M | +152% |
| Free cash flow (OCF − capex) | $27.1M | $9.8M | $17.3M | +177% |
| Capital expenditures | $2.8M | $2.1M | $738K | +36% |
Questions
How much did Choiceone Financial Services's revenue grow year over year in Q2 2026?
Choiceone Financial Services's revenue fell $1.5M (-3%) from $60.4M in Q2 2025 to $58.9M in Q2 2026. Operating margin 25.5% against 27.6% (-2.0 pts).