CHOICEONE FINANCIAL financials
$32.78−0.52%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $58.9M | $59.1M | $60.5M | $61.8M | $60.4M | $44.9M | $36.0M | $36.6M | $34.0M | $32.5M | $32.0M | $30.0M |
| Gross profit | $41.6M | $42.5M | $42.9M | $44.7M | $42.8M | $31.2M | $24.3M | $25.1M | $22.5M | $20.5M | $20.6M | $19.9M |
| Gross margin | 70.7% | 71.9% | 71.0% | 72.3% | 70.9% | 69.6% | 67.6% | 68.7% | 66.0% | 63.2% | 64.4% | 66.4% |
| Operating income | $15.0M | $16.7M | $16.8M | $18.3M | $16.7M | -$17.6M | $8.8M | $9.3M | $8.2M | $6.8M | $6.4M | $6.2M |
| Net income | $12.5M | $13.7M | $13.9M | $14.7M | $13.5M | -$13.9M | $7.2M | $7.3M | $6.6M | $5.6M | $5.3M | $5.1M |
| Net margin | 21.2% | 23.2% | 22.9% | 23.7% | 22.4% | −31.0% | 19.9% | 20.1% | 19.4% | 17.3% | 16.5% | 17.1% |
| Diluted EPS | $0.83 | $0.91 | $0.91 | $0.97 | $0.90 | $-1.29 | $0.79 | $0.85 | $0.87 | $0.74 | $0.69 | $0.68 |
| EBITDA | $15.0M | $16.7M | $16.8M | $18.3M | $16.8M | -$392.0K | $9.2M | $9.9M | $8.2M | $6.8M | $6.4M | $6.2M |
| Operating cash flow | $29.9M | -$177.0K | $14.0M | $15.3M | $11.9M | -$9.4M | $23.4M | -$7.4M | $15.7M | $15.3M | -$11.0M | $32.2M |
| Free cash flow | $27.1M | -$1.7M | $11.9M | $13.7M | $9.8M | -$10.2M | $22.7M | -$7.6M | $15.3M | $15.0M | -$11.8M | $30.9M |
| Diluted shares | 15.0M | 15.0M | 15.2M | 15.1M | 15.0M | 10.7M | 9.1M | 8.6M | 7.6M | 7.6M | 7.6M | 7.6M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $88.3M | $83.9M | $87.6M | $97.9M | $154.9M | $137.1M |
| Short-term investments | $977.1M | $998.8M | $980.4M | $974.3M | $911.9M | $917.6M |
| Total debt | $343.5M | $233.4M | $313.2M | $246.1M | $246.7M | $185.5M |
| Total assets | $4.46B | $4.39B | $4.41B | $4.30B | $4.31B | $4.31B |
| Total liabilities | $3.97B | $3.92B | $3.95B | $3.85B | $3.88B | $3.88B |
| Shareholders' equity | $482.7M | $470.0M | $465.4M | $449.6M | $431.8M | $427.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology