ChoiceOne Financial Services, Inc. (COFS) Earnings History
Annual and quarterly earnings data from 1994 to 2025
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COFS EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
COFS Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 58.2% | 17.7% | 14.6% |
| 2024 | 66.0% | 23.8% | 19.2% |
| 2023 | 70.8% | 22.4% | 18.7% |
| 2022 | 91.0% | 31.0% | 26.5% |
| 2021 | 94.8% | 31.6% | 26.3% |
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ChoiceOne Financial Services, Inc. (COFS) Earnings Overview
As of May 8, 2026, ChoiceOne Financial Services, Inc. (COFS) reported trailing twelve-month net income of $28M, reflecting -38.2% year-over-year growth. The company earned $1.87 per diluted share over the past four quarters, with a net profit margin of 14.6%.
Looking at the long-term picture, COFS's 5-year EPS compound annual growth rate (CAGR) stands at -0.6%, signaling declining earnings. The company achieved its highest annual net income of $28M in fiscal 2025, representing a new all-time high.
ChoiceOne Financial Services, Inc. maintains positive profitability with a gross margin of 58.2%, operating margin of 17.7%, and net margin of 14.6%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including MBWM ($89M net income, 23.9% margin), IBCP ($69M net income, 21.7% margin), CZWI ($14M net income, 16.0% margin), COFS has room to improve margins relative to the peer group. Compare COFS vs MBWM →
COFS Earnings vs Peers
Earnings metrics vs comparable public companies
COFS Historical Earnings Data (1994–2025)
32 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $28M | +5.4% | $34M | $2.01 | 14.6% | 17.7% |
| 2024 | $27M | +25.7% | $33M | $3.25 | 19.2% | 23.8% |
| 2023 | $21M | -10.1% | $26M | $2.82 | 18.7% | 22.4% |
| 2022 | $24M | +7.2% | $28M | $3.15 | 26.5% | 31.0% |
| 2021 | $22M | +41.2% | $26M | $2.86 | 26.3% | 31.6% |
| 2020 | $16M | +117.7% | $19M | $2.07 | 19.9% | 24.1% |
| 2019 | $7M | -2.2% | $8M | $1.58 | 17.2% | 20.3% |
| 2018 | $7M | +18.9% | $8M | $2.02 | 23.3% | 27.0% |
| 2017 | $6M | +1.3% | $9M | $1.70 | 21.3% | 29.6% |
| 2016 | $6M | +6.0% | $8M | $1.68 | 21.6% | 29.3% |
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Start ComparisonCOFS — Frequently Asked Questions
Quick answers to the most common questions about buying COFS stock.
Is COFS growing earnings?
COFS EPS fell to $1.87, with earnings declining -38.2%. This contrasts with the 5-year CAGR of -0.6%. TTM net income dropped to $28M.
What are COFS's profit margins?
ChoiceOne Financial Services, Inc. net margin is +14.6%, with operating margin at +17.7%. Margins sit within typical range for the sector.
How consistent are COFS's earnings?
COFS earnings data spans 1994-2025. The declining earnings trend is -38.2% YoY. Historical data enables comparison across business cycles.