Filing Flows › Choiceone Financial Services (COFS) › Q3 2026 › vs Q3 2025
Choiceone Financial Services (COFS) Q3 2026 vs Q3 2025 (year over year)
Choiceone Financial Services's revenue rose $603K (+1%) from $61.8M in Q3 2025 to $62.4M in Q3 2026. Operating margin 28.4% against 29.6% (-1.2 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 28.4% | 29.6% | -1.2 pts |
| Net margin | 23.3% | 23.7% | -0.4 pts |
| Free cash flow margin | 23.3% | 22.1% | +1.2 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $62.4M | $61.8M | $603K | +1% |
| Operating profit | $17.7M | $18.3M | −$581K | -3% |
| Costs & expenses | $44.7M | $43.5M | $1.2M | +3% |
| Pre-tax earnings | $17.7M | $18.3M | −$581K | -3% |
| Sales & marketing | $268K | $207K | $61K | +29% |
| Other operating costs | $44.4M | $43.3M | $1.1M | +3% |
| Net earnings | $14.5M | $14.7M | −$136K | -0.9% |
| Income tax | $3.2M | $3.6M | −$445K | -12% |
| Depreciation & amortization | $2.6M | $2.8M | −$222K | -8% |
| Share-based compensation | $283K | $242K | $41K | +17% |
| Working capital & other | $1.6M | $2.4M | −$776K | -32% |
| Operating cash flow | $15.8M | $15.3M | $459K | +3% |
| Free cash flow (OCF − capex) | $14.6M | $13.7M | $878K | +6% |
| Capital expenditures | $1.2M | $1.6M | −$419K | -26% |
Questions
How much did Choiceone Financial Services's revenue grow year over year in Q3 2026?
Choiceone Financial Services's revenue rose $603K (+1%) from $61.8M in Q3 2025 to $62.4M in Q3 2026. Operating margin 28.4% against 29.6% (-1.2 pts).