Filing Flows › Choiceone Financial Services (COFS) › Q3 2026 › vs Q2 2026
Choiceone Financial Services (COFS) Q3 2026 vs Q2 2026 (quarter over quarter)
Choiceone Financial Services's revenue rose $3.6M (+6%) from $58.9M in Q2 2026 to $62.4M in Q3 2026. Operating margin 28.4% against 25.5% (+2.9 pts).
Choiceone Financial Services, Q3 2026: revenue $62.4M (+1% year over year), operating margin 28.4%, net earnings $14.5M, operating cash flow $15.8M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 28.4% | 25.5% | +2.9 pts |
| Net margin | 23.3% | 21.2% | +2.1 pts |
| Free cash flow margin | 23.3% | 46.1% | -22.7 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $62.4M | $58.9M | $3.6M | +6% |
| Operating profit | $17.7M | $15.0M | $2.7M | +18% |
| Costs & expenses | $44.7M | $43.8M | $856K | +2% |
| Pre-tax earnings | $17.7M | $15.0M | $2.7M | +18% |
| Sales & marketing | $268K | $279K | −$11K | -4% |
| Other operating costs | $44.4M | $43.6M | $867K | +2% |
| Net earnings | $14.5M | $12.5M | $2.1M | +17% |
| Income tax | $3.2M | $2.6M | $628K | +24% |
| Depreciation & amortization | $2.6M | $2.5M | $59K | +2% |
| Share-based compensation | $283K | $266K | $17K | +6% |
| Working capital & other | $1.6M | −$14.7M | $16.3M | — |
| Operating cash flow | $15.8M | $29.9M | −$14.2M | -47% |
| Free cash flow (OCF − capex) | $14.6M | $27.1M | −$12.6M | -46% |
| Capital expenditures | $1.2M | $2.8M | −$1.6M | -58% |
Questions
How much did Choiceone Financial Services's revenue grow quarter over quarter in Q3 2026?
Choiceone Financial Services's revenue rose $3.6M (+6%) from $58.9M in Q2 2026 to $62.4M in Q3 2026. Operating margin 28.4% against 25.5% (+2.9 pts).