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 Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
| 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 | - | 26.73 | 21.26 | 23.64 | 22.04 | |
| Depreciation & Amortization | - | 12.33 | 12.43 | 13.34 | 12.43 | |
| Gain (Loss) on Sale of Assets | - | -0.05 | -0.01 | -0.04 | -0.02 | |
| Gain (Loss) on Sale of Investments | - | -0.2 | 0.32 | 1.76 | -0.44 | |
| Provision for Credit Losses | - | 0.63 | 0.15 | 0.25 | 0.42 | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | - | -1.19 | 1.26 | 5.85 | 8.01 | |
| Change in Other Net Operating Assets | - | 13.97 | 12.99 | 2 | 0.3 | |
| Other Operating Activities | - | -1.86 | -0.96 | -1.09 | 0.93 | |
| Operating Cash Flow | - | 48.65 | 46.48 | 44.33 | 37.7 | |
| Operating Cash Flow Growth | - | 4.66% | 4.86% | 17.58% | 344.67% | |
| Capital Expenditures | - | -1.71 | -4.23 | -1.16 | -2.76 | |
| Investment in Securities | - | 42.93 | 47.51 | 43.24 | -554 | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | - | -136.07 | -221.25 | -130.62 | 45.38 | |
| Other Investing Activities | - | -3.06 | -3.39 | -1.26 | -10 | |
| Investing Cash Flow | - | -97.91 | -181.37 | -89.81 | -521.37 | |
| Long-Term Debt Issued | - | 315 | 420 | 726 | 87.5 | |
| Total Debt Issued | - | 315 | 420 | 726 | 87.5 | |
| Long-Term Debt Repaid | - | -340 | -270 | -726 | -14.33 | |
| Total Debt Repaid | - | -340 | -270 | -726 | -14.33 | |
| Net Debt Issued (Repaid) | - | -25 | 150 | - | 73.17 | |
| Issuance of Common Stock | - | 32.77 | 0.23 | 0.17 | 0.14 | |
| Repurchase of Common Stock | - | - | - | -0.68 | -7.79 | |
| Common Dividends Paid | - | -9.01 | -7.91 | -7.58 | -7.2 | |
| Net Increase (Decrease) in Deposit Accounts | - | 92.05 | 4.05 | 65.71 | 377.72 | |
| Other Financing Activities | - | -0.22 | - | -0.09 | - | |
| Financing Cash Flow | - | 90.58 | 146.37 | 57.54 | 436.04 | |
| Net Cash Flow | - | 41.32 | 11.49 | 12.06 | -47.63 | |
| Free Cash Flow | - | 46.94 | 42.25 | 43.16 | 34.94 | |
| Free Cash Flow Growth | - | 11.11% | -2.12% | 23.54% | 427.32% | |
| Free Cash Flow Margin | - | 51.52% | 52.39% | 53.38% | 43.99% | |
| Free Cash Flow Per Share | - | 5.71 | 5.58 | 5.73 | 4.54 | |
| Cash Interest Paid | - | 49.9 | 27.48 | 7.58 | 3.72 | |
| Cash Income Tax Paid | - | 6.35 | 4.45 | 1.99 | 3.25 | |
Source: S&P Capital IQ. Banks template.
Financial Sources.