ChoiceOne Financial Services, Inc. Detailed Financials

Full historical quarterly statements

Metric	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Total Revenue	59.1M	60.5M	61.8M	60.4M	44.9M	36.0M	36.6M	34.0M
Cost of Goods Sold	16.6M	18.3M	17.3M	18.3M	26.8M	11.9M	11.9M	11.6M
Gross Profit	42.5M	42.1M	44.5M	42.2M	18.1M	24.1M	24.7M	22.5M
R&D Expenses	0	0	0	0	0	0	0	0
Operating Expenses	25.8M	25.3M	26.2M	25.5M	35.7M	15.3M	15.4M	14.3M
Operating Income	16.7M	16.8M	18.3M	16.7M	-17.6M	8.8M	9.3M	8.2M
Other Income / Gains	0	0	0	0	0	0	0	0
Net Income	13.7M	13.9M	14.7M	13.5M	-13.9M	7.2M	7.3M	6.6M
EPS (Diluted)	0.91	0.92	0.98	0.90	-1.70	0.83	0.86	0.87
Reported Currency	USD	USD	USD	USD	USD	USD	USD	USD
Gross Profit Ratio	0.719	0.697	0.72	0.698	0.403	0.67	0.675	0.66
General And Administrative Expenses	982K	17.0M	14.7M	14.3M	10.8M	9.1M	8.8M	8.7M
Selling And Marketing Expenses	264K	0	207K	260K	256K	271K	168K	199K
Selling General And Administrative Expenses	1.2M	17.0M	14.9M	14.5M	11.0M	9.4M	8.9M	8.9M
Other Expenses	24.5M	8.3M	11.4M	11.0M	24.6M	6.0M	6.5M	5.4M
Cost And Expenses	42.4M	43.7M	43.5M	43.8M	62.5M	27.2M	27.3M	25.9M
Interest Income	53.3M	54.4M	54.7M	53.9M	40.0M	31.0M	31.7M	29.9M
Interest Expense	16.6M	17.5M	17.1M	17.6M	13.6M	11.7M	11.4M	11.6M
Depreciation And Amortization	0	0	5.5M	5.4M	3.6M	3.2M	3.1M	3.0M
Ebitda	16.7M	16.8M	23.8M	22.1M	-14.0M	12.0M	12.4M	11.2M
Ebitdaratio	0.282	0.278	0.385	0.365	-0.311	0.332	0.338	0.329
Operating Income Ratio	0.282	0.278	0.296	0.276	-0.392	0.244	0.254	0.24
Income Before Tax	16.7M	16.8M	18.3M	16.7M	-17.6M	8.8M	9.3M	8.2M
Income Before Tax Ratio	0.282	0.278	0.296	0.276	-0.392	0.244	0.254	0.24
Income Tax Expense	3.0M	2.9M	3.6M	3.1M	-3.7M	1.6M	1.9M	1.6M
Net Income Ratio	0.232	0.229	0.237	0.224	-0.31	0.199	0.201	0.194
Epsdiluted	0.91	0.92	0.97	0.90	-1.30	0.84	0.85	0.87
Weighted Average Shs Out	15.0M	15.0M	15.0M	15.0M	8.2M	8.6M	8.6M	7.6M
Weighted Average Shs Out Dil	15.1M	15.1M	15.1M	15.0M	10.7M	8.5M	8.5M	7.6M