ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
29.01
-1.08 (-3.59%)
Oct 29, 2025, 4:00 PM EDT - Market closed
COFS Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Cash & Equivalents | 98.98 | 96.75 | 55.43 | 43.94 | 31.89 | 79.52 | Upgrade |
Investment Securities | 942.05 | 546.14 | 553.23 | 555.19 | 674.26 | 330.96 | Upgrade |
Trading Asset Securities | - | 24.34 | 8.88 | 9.2 | - | - | Upgrade |
Mortgage-Backed Securities | - | 335.29 | 376.83 | 409.04 | 433.12 | 246.72 | Upgrade |
Total Investments | 942.05 | 905.77 | 938.94 | 973.43 | 1,107 | 577.68 | Upgrade |
Gross Loans | 2,910 | 1,546 | 1,411 | 1,190 | 1,059 | 1,105 | Upgrade |
Allowance for Loan Losses | -34.75 | -16.55 | -15.69 | -7.62 | -7.69 | -7.59 | Upgrade |
Net Loans | 2,875 | 1,529 | 1,395 | 1,182 | 1,052 | 1,097 | Upgrade |
Property, Plant & Equipment | 46.16 | 27.1 | 29.75 | 28.23 | 29.88 | 29.49 | Upgrade |
Goodwill | 126.73 | 59.95 | 59.95 | 59.95 | 59.95 | 60.51 | Upgrade |
Other Intangible Assets | 31.69 | 1.1 | 1.85 | 2.81 | 3.96 | 5.27 | Upgrade |
Loans Held for Sale | 6.32 | 7.29 | 4.71 | 4.83 | 9.35 | 12.92 | Upgrade |
Accrued Interest Receivable | - | 7.1 | 6.9 | - | - | - | Upgrade |
Other Real Estate Owned & Foreclosed | - | 0.47 | 0.12 | - | 0.19 | 0.27 | Upgrade |
Other Long-Term Assets | 151.24 | 79.25 | 79.63 | 87.05 | 68.47 | 52.58 | Upgrade |
Total Assets | 4,297 | 2,723 | 2,577 | 2,386 | 2,367 | 1,919 | Upgrade |
Interest Bearing Deposits | 2,663 | 1,479 | 1,375 | 1.74 | 1,404 | 1,109 | Upgrade |
Institutional Deposits | - | 210.5 | 199.7 | 148.9 | 87.3 | 88.2 | Upgrade |
Non-Interest Bearing Deposits | 903.93 | 524.95 | 547.63 | 1,967 | 560.93 | 477.65 | Upgrade |
Total Deposits | 3,567 | 2,214 | 2,122 | 2,118 | 2,052 | 1,675 | Upgrade |
Short-Term Borrowings | - | 135.69 | 170 | 55.82 | - | - | Upgrade |
Current Portion of Long-Term Debt | 158 | 20 | - | - | 50 | - | Upgrade |
Current Portion of Leases | - | 0.31 | - | - | - | - | Upgrade |
Long-Term Debt | 48.37 | 35.75 | 35.51 | 35.26 | 35.02 | 9.17 | Upgrade |
Federal Home Loan Bank Debt, Long-Term | 39.75 | 20 | 30 | - | - | 0.16 | Upgrade |
Long-Term Leases | - | 0.31 | - | - | - | - | Upgrade |
Trust Preferred Securities | - | - | - | - | - | 3.09 | Upgrade |
Long-Term Deferred Tax Liabilities | - | - | - | - | - | 0.66 | Upgrade |
Other Long-Term Liabilities | 34.14 | 36.67 | 23.51 | 7.95 | 7.7 | 4.42 | Upgrade |
Total Liabilities | 3,847 | 2,463 | 2,381 | 2,217 | 2,145 | 1,692 | Upgrade |
Common Stock | 398.69 | 206.78 | 173.51 | 172.28 | 171.91 | 178.75 | Upgrade |
Retained Earnings | 93.12 | 91.41 | 73.7 | 68.39 | 52.33 | 37.49 | Upgrade |
Comprehensive Income & Other | -42.2 | -37.78 | -51.58 | -71.8 | -2.58 | 11.03 | Upgrade |
Shareholders' Equity | 449.62 | 260.42 | 195.63 | 168.87 | 221.67 | 227.27 | Upgrade |
Total Liabilities & Equity | 4,297 | 2,723 | 2,577 | 2,386 | 2,367 | 1,919 | Upgrade |
Total Debt | 246.12 | 212.06 | 235.51 | 91.09 | 85.02 | 12.42 | Upgrade |
Net Cash (Debt) | -147.14 | -90.97 | -171.19 | -37.94 | -53.13 | 67.1 | Upgrade |
Net Cash Growth | - | - | - | - | - | 411.10% | Upgrade |
Net Cash Per Share | -11.79 | -11.07 | -22.61 | -5.04 | -6.90 | 8.91 | Upgrade |
Filing Date Shares Outstanding | 15.02 | 8.97 | 7.55 | 7.52 | 7.52 | 7.8 | Upgrade |
Total Common Shares Outstanding | 15.02 | 8.97 | 7.55 | 7.52 | 7.51 | 7.8 | Upgrade |
Book Value Per Share | 29.94 | 29.05 | 25.92 | 22.47 | 29.52 | 29.15 | Upgrade |
Tangible Book Value | 291.19 | 199.37 | 133.83 | 106.12 | 157.76 | 161.49 | Upgrade |
Tangible Book Value Per Share | 19.39 | 22.24 | 17.73 | 14.12 | 21.01 | 20.71 | Upgrade |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.