Choiceone Financial Services annual return on equity
2010
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2025
Choiceone Financial Services Return on Equity (ROE) Growth & History (COFS)
Choiceone Financial Services's return on equity was 7.76% for fiscal 2025.
View full Choiceone Financial Services company overviewChoiceone Financial Services annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 7.76% | −3.96 pp |
| 2024 | 2024-12-31 | 11.72% | −0.21 pp |
| 2023 | 2023-12-31 | 11.93% | −0.43 pp |
| 2022 | 2022-12-31 | 12.36% | +2.54 pp |
| 2021 | 2021-12-31 | 9.82% | +2.37 pp |
| 2020 | 2020-12-31 | 7.45% | +2.18 pp |
| 2019 | 2019-12-31 | 5.26% | −4.08 pp |
| 2018 | 2018-12-31 | 9.34% | +1.02 pp |
| 2017 | 2017-12-31 | 8.32% | −0.28 pp |
| 2016 | 2016-12-31 | 8.61% | +0.16 pp |
| 2015 | 2015-12-31 | 8.44% | −0.47 pp |
| 2014 | 2014-12-31 | 8.92% | +0.57 pp |
| 2013 | 2013-12-31 | 8.35% | +1.15 pp |
| 2012 | 2012-12-31 | 7.20% | +0.94 pp |
| 2011 | 2011-12-31 | 6.26% | +1.21 pp |
| 2010 | 2010-12-31 | 5.06% | — |
Choiceone Financial Services quarterly return on equity
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| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 2.62% | −0.54 pp |
| Q1 2026 | 2026-03-31 | 2.93% | +6.98 pp |
| Q4 2025 | 2025-12-31 | 3.03% | +0.21 pp |
| Q3 2025 | 2025-09-30 | 3.33% | +0.15 pp |
| Q2 2025 | 2025-06-30 | 3.15% | +0.03 pp |
| Q1 2025 | 2025-03-31 | −4.05% | −6.85 pp |
| Q4 2024 | 2024-12-31 | 2.82% | +0.01 pp |
| Q3 2024 | 2024-09-30 | 3.18% | +0.34 pp |
| Q2 2024 | 2024-06-30 | 3.13% | +0.13 pp |
| Q1 2024 | 2024-03-31 | 2.80% | −0.62 pp |
| Q4 2023 | 2023-12-31 | 2.81% | −1.40 pp |
| Q3 2023 | 2023-09-30 | 2.84% | −0.76 pp |
| Q2 2023 | 2023-06-30 | 3.00% | −0.14 pp |
| Q1 2023 | 2023-03-31 | 3.42% | +0.74 pp |
| Q4 2022 | 2022-12-31 | 4.21% | +1.97 pp |
| Q3 2022 | 2022-09-30 | 3.60% | +1.06 pp |
| Q2 2022 | 2022-06-30 | 3.14% | +0.89 pp |
| Q1 2022 | 2022-03-31 | 2.68% | −0.12 pp |
| Q4 2021 | 2021-12-31 | 2.24% | +0.42 pp |
| Q3 2021 | 2021-09-30 | 2.53% | +0.74 pp |
| Q2 2021 | 2021-06-30 | 2.26% | +0.03 pp |
| Q1 2021 | 2021-03-31 | 2.80% | +1.12 pp |
| Q4 2020 | 2020-12-31 | 1.82% | −0.37 pp |
| Q3 2020 | 2020-09-30 | 1.80% | +0.60 pp |
| Q2 2020 | 2020-06-30 | 2.22% | +0.46 pp |
| Q1 2020 | 2020-03-31 | 1.68% | −0.33 pp |
| Q4 2019 | 2019-12-31 | 2.19% | −0.13 pp |
| Q3 2019 | 2019-09-30 | 1.20% | −1.43 pp |
| Q2 2019 | 2019-06-30 | 1.77% | −0.65 pp |
| Q1 2019 | 2019-03-31 | 2.01% | −0.17 pp |
| Q4 2018 | 2018-12-31 | 2.32% | +0.53 pp |
| Q3 2018 | 2018-09-30 | 2.63% | +0.36 pp |
| Q2 2018 | 2018-06-30 | 2.41% | +0.22 pp |
| Q1 2018 | 2018-03-31 | 2.18% | +0.18 pp |
| Q4 2017 | 2017-12-31 | 1.79% | −0.54 pp |
| Q3 2017 | 2017-09-30 | 2.27% | −0.04 pp |
| Q2 2017 | 2017-06-30 | 2.20% | +0.19 pp |
| Q1 2017 | 2017-03-31 | 1.99% | +0.19 pp |
| Q4 2016 | 2016-12-31 | 2.32% | +0.57 pp |
| Q3 2016 | 2016-09-30 | 2.31% | +0.20 pp |
| Q2 2016 | 2016-06-30 | 2.01% | −0.10 pp |
| Q1 2016 | 2016-03-31 | 1.80% | −0.65 pp |
| Q4 2015 | 2015-12-31 | 1.75% | −0.62 pp |
| Q3 2015 | 2015-09-30 | 2.11% | −0.30 pp |
| Q2 2015 | 2015-06-30 | 2.10% | −0.01 pp |
| Q1 2015 | 2015-03-31 | 2.45% | +0.44 pp |
| Q4 2014 | 2014-12-31 | 2.37% | +0.17 pp |
| Q3 2014 | 2014-09-30 | 2.41% | +0.43 pp |
| Q2 2014 | 2014-06-30 | 2.11% | −0.04 pp |
| Q1 2014 | 2014-03-31 | 2.01% | −0.01 pp |
| Q4 2013 | 2013-12-31 | 2.20% | +0.37 pp |
| Q3 2013 | 2013-09-30 | 1.98% | +0.12 pp |
| Q2 2013 | 2013-06-30 | 2.15% | +0.43 pp |
| Q1 2013 | 2013-03-31 | 2.03% | +0.28 pp |
| Q4 2012 | 2012-12-31 | 1.83% | +0.06 pp |
| Q3 2012 | 2012-09-30 | 1.86% | +0.30 pp |
| Q2 2012 | 2012-06-30 | 1.72% | +0.09 pp |
| Q1 2012 | 2012-03-31 | 1.75% | — |
| Q4 2011 | 2011-12-31 | 1.77% | — |
| Q3 2011 | 2011-09-30 | 1.56% | — |
| Q2 2011 | 2011-06-30 | 1.64% | — |
Choiceone Financial Services return on equity trends
Over the last five fiscal years, Choiceone Financial Services's return on equity increased from 7.45% to 7.76%, a change of +0.32 percentage points. The latest reported quarter, Q2 2026, shows 2.62%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Choiceone Financial Services source filings ↗