COFS Earnings Date: Jan 27, 2027 (Estimated) — ChoiceOne Financial Services, Inc.
NASDAQ · Financials · Banks - Regional
Updated
When is COFS's next earnings date?
ChoiceOne Financial Services, Inc. (COFS) is expected to report Q4 2026 earnings on Wednesday, January 27, 2027 at 7:00 AM ET (before market open); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.93 on revenue of $44.8M.
How did COFS do in its last earnings report?
In its most recent report on Oct 30, 2026 (Q3 2026), ChoiceOne Financial Services, Inc. posted EPS of $1.05 versus the $0.93 estimate, a beat of 13.3%. Revenue was $55.7M against a $44.5M estimate.
How much does COFS stock move after earnings?
COFS beat EPS estimates in 7 of its last 8 reported quarters. Over the last 7 reports the stock moved an average of 4.2% (up or down) in the day after earnings.
About ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
🤖 AI Earnings Analysis
ChoiceOne’s Q3 results were strong: EPS of $1.05 beat estimates by $0.12, while revenue reached $56 million versus $45 million expected. Reported revenue growth is distorted by an unusually low comparison base; EPS rose 8% year over year.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-30 | Q3 2026 | 0.93 | 1.05 | +13.27% | $55.7M | ✅ Beat | — | — | — |
| 2026-07-24 | Q2 2026 | 0.88 | 0.83 | -5.68% | $41.6M | ❌ Miss | -2.82% | +0.48% | -1.56% |
| 2026-04-24 | Q1 2026 | 0.85 | 0.91 | +7.06% | $42.5M | ✅ Beat | +1.99% | -0.51% | +4.18% |
| 2026-01-30 | Q4 2025 | 0.91 | 0.92 | +1.10% | $42.9M | ✅ Beat | -2.92% | +1.57% | -0.42% |
| 2025-10-24 | Q3 2025 | 0.86 | 0.97 | +12.79% | $44.7M | ✅ Beat | +11.54% | +5.11% | +9.31% |
| 2025-04-30 | Q1 2025 | 0.75 | 0.86 | +14.67% | $31.2M | ✅ Beat | +1.01% | +1.17% | +4.96% |
| 2025-01-22 | Q4 2024 | 0.82 | 0.83 | +1.22% | $24.3M | ✅ Beat | +0.34% | -2.17% | -7.35% |
| 2024-10-23 | Q3 2024 | 0.74 | 0.93 | +25.68% | $25.1M | ✅ Beat | +9.08% | +6.93% | +17.61% |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $3.0M total
| Segment | Share | Revenue | YoY | Q3 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 |
|---|---|---|---|---|---|---|---|
| Interchange Income | 72.1% | $2.1M | — | $1.5M | — | — | $2.1M |
| Trust Fee Income | 22.6% | $671K | +12.6% | $232K | $506K | $596K | $734K |
| Other Charges and Fees for Customer Services | 5.2% | $155K | -21.7% | $162K | $162K | $198K | $204K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.