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Choiceone Financial Services vs Acnb: COFS and ACNB compared
Choiceone Financial Services is the larger company: $58.9M of revenue in its latest quarter (Q2 2026) against $54.0M for Acnb (Q3 2026). Acnb is growing faster (+6% against -3% a year earlier). Acnb is more profitable, with an operating margin of 36.5% against 25.5%.
Where the money goes: COFS and ACNB
Choiceone Financial Services (COFS) · Q2 2026
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 follows the revenue to costs, profit and cash.
Acnb (ACNB) · Q3 2026
Acnb, Q3 2026: revenue $54.0M (+6% year over year), operating margin 36.5%, net earnings $15.7M, operating cash flow $47.1M. The chart follows the revenue to costs, profit and cash.
| Choiceone Financial Services (COFS) | Acnb (ACNB) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q3 2026 |
| Revenue | $58.9M | $54.0M |
| Revenue growth, Y/Y | -3% | +6% |
| Operating margin | 25.5% | 36.5% |
| Net earnings | $12.5M | $15.7M |
| Net margin | 21.2% | 29.1% |
| Operating cash flow | $29.9M | $47.1M |
| Free cash flow | $27.1M | $46.6M |
Questions
Which is bigger, Choiceone Financial Services or Acnb?
Choiceone Financial Services is the larger company: $58.9M of revenue in its latest quarter (Q2 2026) against $54.0M for Acnb (Q3 2026).
Is Choiceone Financial Services or Acnb growing faster?
Acnb is growing faster (+6% against -3% a year earlier).
Which is more profitable, Choiceone Financial Services or Acnb?
Acnb is more profitable, with an operating margin of 36.5% against 25.5%.
More: Choiceone Financial Services earnings · how Choiceone Financial Services makes money · Acnb earnings · how Acnb makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 10, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.