ChoiceOne Financial Services, Inc.
COFS · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $61,842 | $60,428 | $44,881 | $36,032 |
| % Growth | 2.3% | 34.6% | 24.6% | – |
| Cost of Goods Sold | $17,301 | $18,253 | $26,811 | $11,889 |
| Gross Profit | $44,541 | $42,175 | $18,070 | $24,143 |
| % Margin | 72% | 69.8% | 40.3% | 67% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $14,657 | $14,281 | $10,775 | $9,121 |
| SG&A Expenses | $14,864 | $14,541 | $11,031 | $9,392 |
| Sales & Mktg Exp. | $207 | $260 | $256 | $271 |
| Other Operating Expenses | $11,351 | $10,965 | $24,634 | $5,952 |
| Operating Expenses | $26,215 | $25,506 | $35,665 | $15,344 |
| Operating Income | $18,326 | $16,669 | -$17,595 | $8,799 |
| % Margin | 29.6% | 27.6% | -39.2% | 24.4% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $18,326 | $16,669 | -$17,595 | $8,799 |
| Tax Expense | $3,645 | $3,135 | -$3,689 | $1,640 |
| Net Income | $14,681 | $13,534 | -$13,906 | $7,159 |
| % Margin | 23.7% | 22.4% | -31% | 19.9% |
| EPS | 0.98 | 0.9 | -1.7 | 0.83 |
| % Growth | 8.9% | 152.9% | -304.8% | – |
| EPS Diluted | 0.97 | 0.9 | -1.3 | 0.84 |
| Weighted Avg Shares Out | 14,981 | 14,999 | 8,166 | 8,645 |
| Weighted Avg Shares Out Dil | 15,135 | 15,035 | 10,740 | 8,544 |
| Supplemental Information | – | – | – | – |
| Interest Income | $54,698 | $53,925 | $39,959 | $31,038 |
| Interest Expense | $17,101 | $17,603 | $13,648 | $11,689 |
| Depreciation & Amortization | $5,504 | $5,413 | $3,634 | $3,163 |
| EBITDA | $23,830 | $22,082 | -$13,961 | $11,962 |
| % Margin | 38.5% | 36.5% | -31.1% | 33.2% |