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How Choiceone Financial Services (COFS) makes money
Choiceone Financial Services (COFS) made $58.9M of revenue in the second quarter 2026 (Q2 2026), -3% from a year earlier. Of every dollar of revenue, 26¢ was left as operating profit, 21¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q2 2026 | % of revenue |
|---|---|---|
| Revenue | $58.9M | 100.0% |
| Operating profit | $15.0M | 25.5% |
| Income tax | $2.6M | 4.4% |
| Net earnings | $12.5M | 21.2% |
| Operating cash flow | $29.9M | 50.9% |
| Free cash flow | $27.1M | 46.1% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q2 2026 | $58.9M | -3% |
| Q1 2026 | $59.1M | +32% |
| Q4 2025 | $60.5M | +68% |
| Q3 2025 | $61.8M | +69% |
| Q2 2025 | $60.4M | +78% |
| Q1 2025 | $44.9M | +38% |
| Q4 2024 | $36.0M | +75% |
From Choiceone Financial Services' 10-Q filed Aug 10, 2026 (on EDGAR).
Questions
How does Choiceone Financial Services make money?
Choiceone Financial Services (COFS) made $58.9M of revenue in the second quarter 2026 (Q2 2026), -3% from a year earlier. Of every dollar of revenue, 26¢ was left as operating profit, 21¢ was left as net earnings.
What is Choiceone Financial Services' profit margin?
Net earnings were $12.5M, 21.2% of revenue, in the second quarter 2026; the operating margin was 25.5%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.