CHOICEONE FINANCIAL SERVICES INC financial data

Symbol
COFS on Nasdaq
Location
Sparta, MI
Fiscal year end
31 December
Latest financial report
10-K - Q4 2025 - 13 Mar 2026

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 877% % -17%
Return On Equity 6.4% % -45%
Return On Assets 0.65% % -34%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 14,981,917 shares -0.02%
Common Stock, Shares, Outstanding 15,000,939 shares 67%
Entity Public Float $402,400,000 USD 103%
Weighted Average Number of Shares Outstanding, Basic 13,941,260 shares 71%
Weighted Average Number of Shares Outstanding, Diluted 13,992,099 shares 70%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $44,881,000 USD 38%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $34,188,000 USD 3.3%
Income Tax Expense (Benefit) $6,012,000 USD -5.5%
Net Income (Loss) Attributable to Parent $28,176,000 USD 5.4%
Earnings Per Share, Basic 2.02 USD/shares -38%
Earnings Per Share, Diluted 2.01 USD/shares -38%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $87,988,000 USD -9.1%
Property, Plant and Equipment, Net $48,110,000 USD 78%
Intangible Assets, Net (Excluding Goodwill) $31,149,000 USD 2742%
Goodwill $129,854,000 USD 117%
Assets $4,410,551,000 USD 62%
Liabilities $3,945,198,000 USD 60%
Common Stocks, Including Additional Paid in Capital $398,386,000 USD 93%
Accumulated Other Comprehensive Income (Loss), Net of Tax $35,674,000 USD 5.6%
Retained Earnings (Accumulated Deficit) $102,641,000 USD 12%
Stockholders' Equity Attributable to Parent $465,353,000 USD 79%
Liabilities and Equity $4,410,551,000 USD 62%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities $6,472,000 USD -142%
Net Cash Provided by (Used in) Financing Activities $207,835,000 USD -390%
Net Cash Provided by (Used in) Investing Activities $256,977,000 USD 3275%
Common Stock, Shares Authorized 30,000,000 shares 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect $42,670,000 USD -55%
Interest Paid, Excluding Capitalized Interest, Operating Activities $11,573,000 USD -24%
Operating Lease, Liability $2,854,000 USD 360%
Depreciation $645,000 USD 1.4%
Payments to Acquire Property, Plant, and Equipment $835,000 USD 168%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $30,281,000 USD -25%
Lessee, Operating Lease, Liability, to be Paid $3,548,000 USD 367%
Property, Plant and Equipment, Gross $80,437,000 USD 63%
Lessee, Operating Lease, Liability, to be Paid, Year Two $600,000 USD 214%
Lessee, Operating Lease, Liability, to be Paid, Year One $688,000 USD 122%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $694,000 USD 403%
Lessee, Operating Lease, Liability, to be Paid, Year Three $539,000 USD 506%
Deferred Tax Assets, Operating Loss Carryforwards $388,000 USD -9.1%
Deferred Federal Income Tax Expense (Benefit) $3,689,000 USD -1326%
Preferred Stock, Shares Authorized 100,000 shares 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four $388,000 USD 1452%
Preferred Stock, Shares Outstanding 0 shares
Amortization of Intangible Assets $5,823,000 USD 669%
Deferred Tax Assets, Net of Valuation Allowance $34,817,000 USD 67%
Interest Expense $45,015,000 USD 168%