Filing Flows › Comparisons › COFS vs HBIA
Choiceone Financial Services vs Hills Bancorporation: COFS and HBIA compared
Choiceone Financial Services is the larger company: $58.9M of revenue in its latest quarter (Q2 2026) against $54.8M for Hills Bancorporation (Q3 2026). Hills Bancorporation is growing faster (+28% against -3% a year earlier). Hills Bancorporation is more profitable, with an operating margin of 54.7% against 25.5%.
Where the money goes: COFS and HBIA
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.
Hills Bancorporation (HBIA) · Q3 2026
Hills Bancorporation, Q3 2026: revenue $54.8M (+28% year over year), operating margin 54.7%, net earnings $23.5M, operating cash flow $29.2M. The chart follows the revenue to costs, profit and cash.
| Choiceone Financial Services (COFS) | Hills Bancorporation (HBIA) | |
|---|---|---|
| Latest quarter | Q2 2026 | Q3 2026 |
| Revenue | $58.9M | $54.8M |
| Revenue growth, Y/Y | -3% | +28% |
| Operating margin | 25.5% | 54.7% |
| Net earnings | $12.5M | $23.5M |
| Net margin | 21.2% | 42.8% |
| Operating cash flow | $29.9M | $29.2M |
| Free cash flow | $27.1M | $27.9M |
Where the revenue comes from
Hills Bancorporation
- Net interest income: $45.5M (83%)
- Noninterest income: $9.3M (17%)
Questions
Which is bigger, Choiceone Financial Services or Hills Bancorporation?
Choiceone Financial Services is the larger company: $58.9M of revenue in its latest quarter (Q2 2026) against $54.8M for Hills Bancorporation (Q3 2026).
Is Choiceone Financial Services or Hills Bancorporation growing faster?
Hills Bancorporation is growing faster (+28% against -3% a year earlier).
Which is more profitable, Choiceone Financial Services or Hills Bancorporation?
Hills Bancorporation is more profitable, with an operating margin of 54.7% against 25.5%.
More: Choiceone Financial Services earnings · how Choiceone Financial Services makes money · Hills Bancorporation earnings · how Hills Bancorporation makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 10, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.