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COFS · XBRL financial data

ChoiceOne Financial Services financial statements, every quarter

The same tables from 12 filings, lined up. Matched by XBRL tag: renamed lines keep their history.

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How these numbers work
  • Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
  • Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
  • * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
  • 0 means a filing states zero; a dash (—) means no filing states that number.
  • “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
  • Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
  • Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
  • Shares outstanding come from each filing's cover page, as of the date printed there.
  • Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.

Income statement

CSV

Fiscal quarters (COFS's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Revenue—year only3234*37*36*4560*62*60*5959*
Interest expense1011*1212————————
Income tax expense (benefit)11*1222*(4)343*33
Net income (loss)55*6777*(14)141514*1412
Earnings per share, basic USD per share0.680.70*0.750.870.860.80*(1.30)0.900.98—0.910.83
Earnings per share, diluted USD per share0.680.69*0.740.870.850.79*(1.29)0.900.97—0.910.83
Weighted average shares, basic millions of shares88*8899*11151515*1515
Weighted average shares, diluted millions of shares88*8899*11151515*1515

Balance sheet

CSV

Fiscal quarters (COFS's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Cash and cash equivalents145551501011469713915699888489
Property and equipment, net303028272727444646484950
Goodwill606060606060127127127130130130
Total assets2,5742,5772,6712,6232,7262,7234,3054,3104,2974,4114,3954,457
Total deposits2,1332,1222,1862,1272,2082,2143,6523,5933,5673,6003,6673,602
Total liabilities2,3932,3812,4642,4092,4782,4633,8783,8783,8473,9453,9253,974
Retained earnings707477828791738393103112120
Total stockholders' equity181196207215248260427432450465470483
Total liabilities and equity2,5742,5772,6712,6232,7262,7234,3054,3104,2974,4114,3954,457
Common shares outstanding (cover page) millions of shares888999151515151515

Cash flows

CSV

Fiscal quarters (COFS's year ends in late December)

In millions of dollarsSep 30, 2023Dec 31, 2023Mar 31, 2024Jun 30, 2024Sep 30, 2024Dec 31, 2024Mar 31, 2025Jun 30, 2025Sep 30, 2025Dec 31, 2025Mar 31, 2026Jun 30, 2026
Net income (loss)55*6777*(14)141514*1412
Stock-based compensation0*0*00*(0)*0*00*0*0*00*
Net cash from operating activities32*(11)*1516*(6)*24*(6)9*15*14*(0)30*
Purchases of property and equipment1*1*00*0*1*12*2*2*23*
Net cash from investing activities(29)*(85)*8(4)*(60)*(42)*25710*(42)*(118)*15(65)*
Proceeds from issuing common stock0*0*00*0*0*00*0*0*00*
Share repurchases0*0*0——year only2(2)*—year only11*
Dividends paid2*2*22*2*3*44*4*4*44*
Proceeds from long-term debt—year only———year only——————
Repayments of long-term debt—year only———year only——————
Net cash from financing activities65*7*72(61)*112*(32)*(208)(2)*(30)*93*(18)39*
Net change in cash68*(89)*95(49)*45*(49)*4317*(57)*(11)*(4)4*

Compare with peers

SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.

How peers are chosen
  • SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
  • Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
  • Runway shows only for companies burning cash with under $10B of public float.
  • * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
  • A cell reading “not reported” means the filings give no figure for that quarter alone.
CompanyCash ($M)Revenue, quarter ($M)Operating cash flow, quarter ($M)Shares outstandingRunwayQuarter
Choiceone Financial Services8959*30*15.0M— 10-QJun 30, 2026
Firstsun Capital Bancorp990not reported1,104*not reported— 10-QJun 30, 2026
First Carolina Financial Services1195.5not reported31.1M— 10-QJun 30, 2026
California BanCorp265not reported15*32.2M— 10-QJun 30, 2026
Civista Bancshares625.717*20.8M— 10-QJun 30, 2026
First Business Financial Services92not reported5.5*8.3M— 10-QSep 30, 2026
Northpointe Bancshares538not reported3.9*34.6M— 10-QJun 30, 2026
Arrow Financial187not reported16*18.5M— 10-QJun 30, 2026
Flushing Financial159not reported(8.9)33.9M17.8 quarters 10-QMar 31, 2026

Not investment advice. Not affiliated with the U.S. SEC.