ChoiceOne Financial Services, Inc. (COFS)

NASDAQ: COFS · Real-Time Price · USD

31.40

-0.02 (-0.06%)

At close: May 29, 2026, 4:00 PM EDT

31.43

+0.03 (0.10%)

After-hours: May 29, 2026, 5:41 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 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	-11.04	-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%
Net Change in Loans Held-for-Investment	-50.05	-89.32	-134.85	-219.52	-130.62	-
Net Change in Securities and Investments	-66.53	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	-2.08	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
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	-2.22	-3.01	-0.22	-	-0.77	-7.79
Net Common Stock Issued (Repurchased)	-1.25	-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	-55.2	-8.76	41.32	11.49	12.06	-47.63
Free Cash Flow	30.79	25.19	45.38	42.1	43.16	34.94
Free Cash Flow Growth	22.26%	-44.49%	7.78%	-2.46%	23.54%	427.32%
FCF Margin	17.97%	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
Levered Free Cash Flow	96.34	-54.01	26.33	194.18	37.82	105.18
Unlevered Free Cash Flow	-6.74	-1.98	24.6	22.92	14.18	9.96

SEC Filings: 10-K · 10-Q