ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
33.83
-0.54 (-1.57%)
Jul 30, 2026, 4:00 PM EDT - Market closed
COFS Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 | 55.79 | 28.18 | 26.73 | 21.26 | 23.64 | 22.04 |
Depreciation & Amortization | 21.17 | 19.87 | 12.33 | 12.43 | 13.34 | 12.43 |
Provision for Credit Losses | 1.65 | 14.81 | 0.63 | 0.15 | 0.25 | 0.42 |
Stock-Based Compensation | 0.99 | 0.88 | 0.72 | 1.01 | 0.96 | 0.81 |
Net Change in Loans Held-for-Sale | -6.81 | -0.68 | -3.63 | -0.7 | 3.51 | 1.24 |
Other Adjustments | -10.95 | -16.03 | -3.67 | -2.54 | 0.63 | 0.47 |
Changes in Other Operating Activities | -20.59 | -15.22 | 13.97 | 14.72 | 2 | 0.3 |
Operating Cash Flow | 38.11 | 31.81 | 47.08 | 46.33 | 44.33 | 37.7 |
Operating Cash Flow Growth | 63.43% | -32.43% | 1.61% | 4.52% | 17.58% | 344.67% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Loans Held-for-Investment | -50.05 | -89.32 | -134.85 | -219.52 | -130.62 | - |
Net Change in Securities and Investments | -62.91 | 23.92 | 37.75 | 46.57 | 43.24 | -564 |
Proceeds from Business Divestments | - | 173.08 | - | - | - | - |
Capital Expenditures | -7.32 | -6.63 | -1.71 | -4.23 | -1.16 | -2.76 |
Other Investing Activities | -2.55 | 5.63 | 2.46 | -4.03 | -1.26 | 45.38 |
Investing Cash Flow | -138.65 | 106.69 | -96.35 | -181.22 | -89.81 | -521.37 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Change in Deposits | 13.63 | -47.99 | 92.05 | 4.05 | 65.71 | 377.72 |
Short-Term Debt Issued | 47.29 | -80.21 | -25 | 150 | - | - |
Net Short-Term Debt Issued (Repaid) | 47.29 | -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 | 0.98 | 0.89 | 32.77 | 0.23 | 0.17 | 0.14 |
Repurchase of Common Stock | -2.06 | -3.01 | -0.22 | - | -0.77 | -7.79 |
Net Common Stock Issued (Repurchased) | -1.09 | -2.11 | 32.55 | 0.23 | -0.6 | -7.65 |
Common Dividends Paid | -17.09 | -16.95 | -9.01 | -7.91 | -7.58 | -7.2 |
Financing Cash Flow | 42.42 | -147.26 | 90.58 | 146.37 | 57.54 | 436.04 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 Cash Flow | -55.2 | -8.76 | 41.32 | 11.49 | 12.06 | -47.63 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | 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 |
Free Cash Flow | 30.79 | 25.19 | 45.38 | 42.1 | 43.16 | 34.94 |
Free Cash Flow Growth | 46.02% | -44.49% | 7.78% | -2.46% | 23.54% | 427.32% |
FCF Margin | 17.95% | 17.14% | 49.42% | 52.21% | 53.20% | 43.99% |
Free Cash Flow Per Share | 2.05 | 1.80 | 5.52 | 5.56 | 5.73 | 4.54 |