Filing Flows › Comparisons › SPFI vs COFS
South Plains Financial vs Choiceone Financial Services: SPFI and COFS compared
South Plains Financial is the larger company: $65.3M of revenue in its latest quarter (Q3 2026) against $62.4M for Choiceone Financial Services (Q3 2026). South Plains Financial is growing faster (+20% against +1% a year earlier). South Plains Financial is more profitable, with an operating margin of 40.4% against 28.4%.
Where the money goes: SPFI and COFS
South Plains Financial (SPFI) · Q3 2026
South Plains Financial, Q3 2026: revenue $65.3M (+20% year over year), operating margin 40.4%, net earnings $20.8M, operating cash flow $30.9M. The chart follows the revenue to costs, profit and cash.
Choiceone Financial Services (COFS) · Q3 2026
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 follows the revenue to costs, profit and cash.
| South Plains Financial (SPFI) | Choiceone Financial Services (COFS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $65.3M | $62.4M |
| Revenue growth, Y/Y | +20% | +1% |
| Operating margin | 40.4% | 28.4% |
| Net earnings | $20.8M | $14.5M |
| Net margin | 31.8% | 23.3% |
| Operating cash flow | $30.9M | $15.8M |
| Free cash flow | $30.5M | $14.6M |
Where the revenue comes from
South Plains Financial
- Net interest income: $51.5M (79%)
- Noninterest income: $13.8M (21%)
Questions
Which is bigger, South Plains Financial or Choiceone Financial Services?
South Plains Financial is the larger company: $65.3M of revenue in its latest quarter (Q3 2026) against $62.4M for Choiceone Financial Services (Q3 2026).
Is South Plains Financial or Choiceone Financial Services growing faster?
South Plains Financial is growing faster (+20% against +1% a year earlier).
Which is more profitable, South Plains Financial or Choiceone Financial Services?
South Plains Financial is more profitable, with an operating margin of 40.4% against 28.4%.
More: South Plains Financial earnings · how South Plains Financial makes money · Choiceone Financial Services earnings · how Choiceone Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 3, 2026; 10-Q filed Nov 9, 2026). Fiscal quarters can end on different dates. Not investment advice.