Reported Q: Q1 2025 Rev YoY: +38.2% EPS YoY: -326.7% Move: +3.17%
ChoiceOne Financial
COFS
$31.11 3.17%
Exchange NASDAQ Sector Financial Services Industry Banks Regional
Q1 2025
Published: May 12, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for COFS

Reported

Report Date

May 12, 2025

Quarter Q1 2025

Revenue

44.88M

YoY: +38.2%

EPS

-1.30

YoY: -326.7%

Market Move

+3.17%

Previous quarter: Q4 2024

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Earnings Highlights

  • Revenue of $44.88M up 38.2% year-over-year
  • EPS of $-1.30 decreased by 326.7% from previous year
  • Gross margin of 40.3%
  • Net income of -13.91M
  • "N/A" - N/A
COFS
Company COFS

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Executive Summary

ChoiceOne Financial Services reported a solid top-line improvement in QQ1 2025, with revenue of $44.88 million, up 38.17% year over year and 24.56% quarter over quarter. However, the quarter ended with a net loss of $13.91 million and EBITDA of negative $13.96 million as operating expenses surged to $62.48 million against gross profit of $18.07 million. The margin deterioration is driven by elevated operating costs and a deliberate investment cadence, including significant acquisitions and longโ€‘term investments, that weighed on nearโ€‘term profitability.

Key Performance Indicators

Revenue
Increasing
44.88M
QoQ: 24.56% | YoY: 38.17%
Gross Profit
Decreasing
18.07M
40.26% margin
QoQ: -25.15% | YoY: -11.96%
Operating Income
Decreasing
-17.60M
QoQ: -299.97% | YoY: -357.20%
Net Income
Decreasing
-13.91M
QoQ: -294.25% | YoY: -346.82%
EPS
Decreasing
-1.70
QoQ: -304.82% | YoY: -326.67%

Revenue Trend

Margin Analysis

Historical Earnings Comparison

PeriodRevenue ($M)EPS ($)YoY GrowthReport
Q1 2026 53.28 0.91 +56.6% View
Q1 2025 44.88 -1.30 +38.2% View
Q4 2024 36.03 0.84 +12.6% View
Q3 2024 36.56 0.85 +21.8% View
Q2 2024 34.03 0.87 +27.0% View