ChoiceOne Financial Services, Inc. (COFS)

NASDAQ: COFS · Real-Time Price · USD

27.80

+0.58 (2.13%)

At close: Mar 30, 2026, 4:00 PM EDT

27.95

+0.15 (0.54%)

Pre-market: Mar 31, 2026, 4:08 AM EDT

COFS Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	28.18	26.73	21.26	23.64	22.04
Depreciation & Amortization	19.87	12.33	12.43	13.34	12.43
Provision for Credit Losses	14.81	0.63	0.15	0.25	0.42
Stock-Based Compensation	0.88	0.72	1.01	0.96	0.81
Net Change in Loans Held-for-Sale	-0.68	-3.63	-0.7	3.51	1.24
Other Adjustments	-16.03	-3.67	-2.54	0.63	0.47
Changes in Other Operating Activities	-15.22	13.97	14.72	2	0.3
Operating Cash Flow	31.81	47.08	46.33	44.33	37.7
Operating Cash Flow Growth	-32.43%	1.61%	4.52%	17.58%	344.67%
Net Change in Loans Held-for-Investment	-89.32	-134.85	-219.52	-130.62	-
Net Change in Securities and Investments	23.92	37.75	46.57	43.24	-564
Proceeds from Business Divestments	173.08	-	-	-	-
Capital Expenditures	-6.63	-1.71	-4.23	-1.16	-2.76
Other Investing Activities	5.63	2.46	-4.03	-1.26	45.38
Investing Cash Flow	106.69	-96.35	-181.22	-89.81	-521.37
Net Change in Deposits	-47.99	92.05	4.05	65.71	377.72
Short-Term Debt Issued	-80.21	-25	150	-	-
Net Short-Term Debt Issued (Repaid)	-80.21	-25	150	-	-
Long-Term Debt Issued	-	-	-	726	87.5
Long-Term Debt Repaid	-	-	-	-726	-14.33
Net Long-Term Debt Issued (Repaid)	-	-	-	0	73.17
Issuance of Common Stock	0.89	32.77	0.23	0.17	0.14
Repurchase of Common Stock	-3.01	-0.22	-	-0.77	-7.79
Net Common Stock Issued (Repurchased)	-2.11	32.55	0.23	-0.6	-7.65
Common Dividends Paid	-16.95	-9.01	-7.91	-7.58	-7.2
Financing Cash Flow	-147.26	90.58	146.37	57.54	436.04
Net Cash Flow	-8.76	41.32	11.49	12.06	-47.63
Free Cash Flow	25.19	45.38	42.1	43.16	34.94
Free Cash Flow Growth	-44.49%	7.78%	-2.46%	23.54%	427.32%
FCF Margin	17.14%	49.42%	52.21%	53.20%	43.99%
Free Cash Flow Per Share	1.80	5.52	5.56	5.73	4.54
Levered Free Cash Flow	-54.01	26.33	194.18	37.82	105.18
Unlevered Free Cash Flow	-1.98	24.6	22.92	14.18	9.96

Updated Jan 30, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q