Filing Flows › Choiceone Financial Services (COFS) › Q4 2025
Choiceone Financial Services (COFS) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 13, 2026
Choiceone Financial Services (COFS) reported revenue of $60.5M for the fourth quarter 2025 (Q4 2025), +68% from a year earlier and -2% from the quarter before. Operating margin was 27.8%, net earnings $13.9M (22.9% of revenue).
Choiceone Financial Services, Q4 2025: revenue $60.5M (+68% year over year), operating margin 27.8%, net earnings $13.9M, operating cash flow $14.0M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $60.5M | -2% | +68% |
| Operating profit | $16.8M | -8% | +91% |
| Net earnings | $13.9M | -6% | +94% |
| Operating cash flow | $14.0M | -8% | -40% |
| Free cash flow | $11.9M | -13% | -48% |
What changed
Revenue was $60.5M in Q4 2025, up 68% year over year and down 2% from the previous quarter.
Operating profit was $16.8M, a 27.8% margin (up 3.3 points year over year). Of the extra revenue versus Q4 2024, 33% reached operating profit, above the 24% margin then. Total costs grew 60% against revenue growth of 68%. The fastest-growing cost line was Other operating costs (+61%). Net earnings were $13.9M, up 94% year over year. The effective tax rate was 17.4%.
Operating cash flow was $14.0M (down 40% year over year), 101% of net earnings. Non-cash charges added back $2.7M of depreciation and amortization and $259K of share-based compensation. Working capital and other items used $2.8M. Capital expenditures of $2.1M left free cash flow of $11.9M.
Questions
What was Choiceone Financial Services' revenue in the fourth quarter 2025?
Choiceone Financial Services (COFS) reported revenue of $60.5M for the fourth quarter 2025 (Q4 2025), +68% from a year earlier and -2% from the quarter before.
Was Choiceone Financial Services profitable in the fourth quarter 2025?
Operating profit was $16.8M (27.8% of revenue) and net earnings $13.9M.