ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
27.95
-0.33 (-1.17%)
At close: Mar 9, 2026, 4:00 PM EDT
27.96
+0.01 (0.04%)
After-hours: Mar 9, 2026, 4:10 PM EDT
COFS Balance Sheet
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 | 2020 - 2016 |
|---|---|---|---|---|---|---|
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 | 2020 - 2016 |
| Cash & Equivalents | 87.99 | 96.75 | 55.43 | 43.94 | 31.89 | Upgrade
|
| Investment Securities | 948.97 | 546.14 | 553.23 | 555.19 | 674.26 | Upgrade
|
| Trading Asset Securities | - | 24.34 | 8.88 | 9.2 | - | Upgrade
|
| Mortgage-Backed Securities | - | 335.29 | 376.83 | 409.04 | 433.12 | Upgrade
|
| Total Investments | 948.97 | 905.77 | 938.94 | 973.43 | 1,107 | Upgrade
|
| Gross Loans | 3,022 | 1,546 | 1,411 | 1,190 | 1,059 | Upgrade
|
| Allowance for Loan Losses | -35.55 | -16.55 | -15.69 | -7.62 | -7.69 | Upgrade
|
| Net Loans | 2,986 | 1,529 | 1,395 | 1,182 | 1,052 | Upgrade
|
| Property, Plant & Equipment | 48.11 | 27.1 | 29.75 | 28.23 | 29.88 | Upgrade
|
| Goodwill | 129.85 | 59.95 | 59.95 | 59.95 | 59.95 | Upgrade
|
| Other Intangible Assets | 31.15 | 1.1 | 1.85 | 2.81 | 3.96 | Upgrade
|
| Loans Held for Sale | 7.19 | 7.29 | 4.71 | 4.83 | 9.35 | Upgrade
|
| Accrued Interest Receivable | - | 7.1 | 6.9 | - | - | Upgrade
|
| Other Real Estate Owned & Foreclosed | - | 0.47 | 0.12 | - | 0.19 | Upgrade
|
| Other Long-Term Assets | 152.25 | 79.25 | 79.63 | 87.05 | 68.47 | Upgrade
|
| Total Assets | 4,411 | 2,723 | 2,577 | 2,386 | 2,367 | Upgrade
|
| Interest Bearing Deposits | 2,693 | 1,479 | 1,375 | 1.74 | 1,404 | Upgrade
|
| Institutional Deposits | - | 210.5 | 199.7 | 148.9 | 87.3 | Upgrade
|
| Non-Interest Bearing Deposits | 907.01 | 524.95 | 547.63 | 1,967 | 560.93 | Upgrade
|
| Total Deposits | 3,600 | 2,214 | 2,122 | 2,118 | 2,052 | Upgrade
|
| Short-Term Borrowings | - | 135.69 | 170 | 55.82 | - | Upgrade
|
| Current Portion of Long-Term Debt | 245 | 20 | - | - | 50 | Upgrade
|
| Current Portion of Leases | - | 0.31 | - | - | - | Upgrade
|
| Long-Term Debt | 48.46 | 35.75 | 35.51 | 35.26 | 35.02 | Upgrade
|
| Federal Home Loan Bank Debt, Long-Term | 19.79 | 20 | 30 | - | - | Upgrade
|
| Long-Term Leases | - | 0.31 | - | - | - | Upgrade
|
| Other Long-Term Liabilities | 31.93 | 36.67 | 23.51 | 7.95 | 7.7 | Upgrade
|
| Total Liabilities | 3,945 | 2,463 | 2,381 | 2,217 | 2,145 | Upgrade
|
| Common Stock | 398.39 | 206.78 | 173.51 | 172.28 | 171.91 | Upgrade
|
| Retained Earnings | 102.64 | 91.41 | 73.7 | 68.39 | 52.33 | Upgrade
|
| Comprehensive Income & Other | -35.67 | -37.78 | -51.58 | -71.8 | -2.58 | Upgrade
|
| Shareholders' Equity | 465.35 | 260.42 | 195.63 | 168.87 | 221.67 | Upgrade
|
| Total Liabilities & Equity | 4,411 | 2,723 | 2,577 | 2,386 | 2,367 | Upgrade
|
| Total Debt | 313.25 | 212.06 | 235.51 | 91.09 | 85.02 | Upgrade
|
| Net Cash (Debt) | -225.26 | -90.97 | -171.19 | -37.94 | -53.13 | Upgrade
|
| Net Cash Per Share | -16.10 | -11.07 | -22.61 | -5.04 | -6.90 | Upgrade
|
| Filing Date Shares Outstanding | 15 | 8.97 | 7.55 | 7.52 | 7.52 | Upgrade
|
| Total Common Shares Outstanding | 15 | 8.97 | 7.55 | 7.52 | 7.51 | Upgrade
|
| Book Value Per Share | 31.02 | 29.05 | 25.92 | 22.47 | 29.52 | Upgrade
|
| Tangible Book Value | 304.35 | 199.37 | 133.83 | 106.12 | 157.76 | Upgrade
|
| Tangible Book Value Per Share | 20.29 | 22.24 | 17.73 | 14.12 | 21.01 | Upgrade
|
Source: S&P Capital IQ. Banks template. Financial Sources.