ChoiceOne Financial Services, Inc. (COFS)

NASDAQ: COFS · Real-Time Price · USD

28.04

+0.09 (0.32%)

At close: Mar 10, 2026, 4:00 PM EDT

28.04

0.00 (0.00%)

After-hours: Mar 10, 2026, 4:10 PM EDT

COFS Cash Flow Statement

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
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
Net Income	21.47	26.73	21.26	23.64	22.04	15.61
Depreciation & Amortization	17.71	12.33	12.43	13.34	12.43	7.71
Provision for Credit Losses	14.21	0.63	0.15	0.25	0.42	4
Stock-Based Compensation	0.8	0.72	1.01	0.96	0.81	0.51
Net Change in Loans Held-for-Sale	-1.26	-3.63	-0.7	3.51	1.24	-12.29
Other Adjustments	-8.33	-2.1	-0.66	0.63	0.47	-0.34
Changes in Other Operating Activities	0.18	13.97	12.99	2	0.3	-6.72
Operating Cash Flow	41.79	48.65	46.48	44.33	37.7	8.48
Operating Cash Flow Growth	203.03%	4.66%	4.86%	17.58%	344.67%	-7.87%
Net Change in Loans Held-for-Investment	-17.36	-136.07	-221.25	-130.62	-	-79.59
Net Change in Securities and Investments	67.92	37.75	46.57	43.24	-564	-204.94
Proceeds from Business Divestments	259.62	-	-	-	-	35.64
Capital Expenditures	-5.17	-1.71	-4.23	-1.16	-2.76	-1.85
Other Investing Activities	8.43	2.11	-2.46	-1.26	45.38	-
Investing Cash Flow	182.35	-97.91	-181.37	-89.81	-521.37	-250.75
Net Change in Deposits	-73.08	92.05	4.05	65.71	377.72	292.15
Short-Term Debt Issued	-147.21	-	-	-	-	-
Net Short-Term Debt Issued (Repaid)	-147.21	-	-	-	-	-
Long-Term Debt Issued	-	315	420	726	87.5	10.05
Long-Term Debt Repaid	-	-340	-270	-726	-14.33	-33.92
Net Long-Term Debt Issued (Repaid)	-	-25	150	-	73.17	-23.87
Issuance of Common Stock	0.85	32.77	0.23	0.17	0.14	0.13
Repurchase of Common Stock	-2.38	-0.22	-	-0.77	-7.79	-
Net Common Stock Issued (Repurchased)	-1.53	32.55	0.23	-0.6	-7.65	0.13
Common Dividends Paid	-15.11	-9.01	-7.91	-7.58	-7.2	-6.17
Financing Cash Flow	-272.04	90.58	146.37	57.54	436.04	262.23
Net Cash Flow	-46.96	41.32	11.49	12.06	-47.63	19.96
Free Cash Flow	36.62	46.94	42.25	43.16	34.94	6.63
Free Cash Flow Growth	-21.99%	11.11%	-2.12%	23.54%	427.32%	-21.46%
FCF Margin	29.38%	51.13%	52.39%	53.20%	43.99%	9.50%
Free Cash Flow Per Share	2.93	5.71	5.58	5.73	4.54	0.88
Levered Free Cash Flow	-113.02	26.33	192.45	37.82	105.18	-9.12
Unlevered Free Cash Flow	12.73	24.6	21.19	14.18	9.96	-0.86

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

SEC Filings: 10-K · 10-Q