# ChoiceOne Financial (COFS) — Earnings

COFS · NASDAQ · Stock

Canonical page: https://www.lighthorse.io/tickers/cofs/earnings

## Most recent quarter

| Metric | Value |
| --- | --- |
| Fiscal period | Q4 2025 |
| Period end | Dec 31, 2025 |
| EPS actual | $0.92 |
| EPS estimate | $0.90 |
| EPS surprise | +1.85% |
| Revenue surprise | −2.08% |
| Revenue | $42.9M |
| Revenue estimate | $43.9M |
| Reported | Jan 30, 2026 |
| SEC filing | [View filing](https://www.sec.gov:443/Archives/edgar/data/803164/000119312526030504/cofs-20260130.htm) |

## Earnings history

| Fiscal period | Report date | EPS estimate | EPS actual | Surprise | Revenue estimate | Revenue actual |
| --- | --- | --- | --- | --- | --- | --- |
| Q4 2025 | Jan 30, 2026 | $0.90 | $0.92 | 1.85% | $43.9M | $42.9M |
| Q3 2025 | Nov 6, 2025 | $0.86 | $0.97 | 12.79% | $42.1M | $44.5M |
| Q2 2025 | Jul 25, 2025 | $0.78 | $0.91 | 16.18% | $41.3M | $42.8M |
| Q1 2025 | Apr 30, 2025 | $0.78 | $0.86 | 10.26% | $31.8M | $31.2M |
| Q4 2024 | Jan 22, 2025 | $0.83 | $0.83 | 0.61% | $24.0M | $24.3M |
| Q3 2024 | Oct 23, 2024 | $0.74 | $0.93 | 25.68% | $22.9M | $24.7M |
| Q2 2024 | Jul 25, 2024 | $0.76 | $0.87 | 14.47% | — | $22.5M |
| Q1 2024 | Apr 24, 2024 | $0.59 | $0.74 | 25.42% | — | $16.0M |
| Q4 2023 | Jan 25, 2024 | $0.64 | $0.70 | 9.38% | — | $20.6M |
| Q3 2023 | Oct 25, 2023 | $0.67 | $0.68 | 1.49% | — | $19.9M |
| Q2 2023 | Jul 26, 2023 | $0.00 | $0.71 | 0.00% | — | — |

## Frequently Asked Questions

### When did ChoiceOne Financial (COFS) last report earnings?

ChoiceOne Financial last reported on Jan 30, 2026, covering fiscal Q4 2025.

### Did COFS beat earnings estimates?

Yes. ChoiceOne Financial reported EPS of $0.92 for Q4 2025 against a $0.90 estimate — a 1.85% beat.

### How much revenue did COFS report last quarter?

ChoiceOne Financial reported $42.9M in revenue for Q4 2025, against a consensus estimate of $43.9M.

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Earnings figures may be restated, revised or corrected by the issuer. Past results do not indicate future performance.

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Data provided by [AInvest](https://www.ainvest.com).