Choiceone Financial Services Inc financial data

Symbol
COFS on Nasdaq
Location
109 E Division, P O Box 186, Sparta, MI
Fiscal year end
December 31
Latest financial report
10-Q - Q3 2025 - Nov 10, 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 897 % -20.3%
Return On Equity 5.47 % -52.4%
Return On Assets 0.55 % -41.7%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 15M shares +67.7%
Common Stock, Shares, Outstanding 15M shares +67.6%
Entity Public Float 199M USD +24.7%
Weighted Average Number of Shares Outstanding, Basic 15M shares +75.3%
Weighted Average Number of Shares Outstanding, Diluted 15.1M shares +74.8%

Income Statement

Label TTM Value / Value Unit Change %
Revenues 44.9M USD +38.2%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest 26.2M USD -14.8%
Income Tax Expense (Benefit) 4.73M USD -19.5%
Net Income (Loss) Attributable to Parent 21.5M USD -13.6%
Earnings Per Share, Basic 1 USD/shares -56.9%
Earnings Per Share, Diluted 1 USD/shares -56.6%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value 99M USD -32.2%
Property, Plant and Equipment, Net 46.2M USD +70.1%
Intangible Assets, Net (Excluding Goodwill) 31.7M USD
Goodwill 127M USD +111%
Assets 4.3B USD +57.8%
Liabilities 3.85B USD +55.2%
Common Stocks, Including Additional Paid in Capital 399M USD +93.1%
Accumulated Other Comprehensive Income (Loss), Net of Tax -42.2M USD +7.15%
Retained Earnings (Accumulated Deficit) 93.1M USD +7.33%
Stockholders' Equity Attributable to Parent 450M USD +81.5%
Liabilities and Equity 4.3B USD +57.6%

Popular Metrics

Label TTM Value / Value Unit Change %
Net Cash Provided by (Used in) Operating Activities -6.47M USD -142%
Net Cash Provided by (Used in) Financing Activities -208M USD -390%
Net Cash Provided by (Used in) Investing Activities 257M USD +3275%
Common Stock, Shares Authorized 30M shares +100%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect 42.7M USD -54.9%
Interest Paid, Excluding Capitalized Interest, Operating Activities 11.6M USD -24.3%
Operating Lease, Liability 621K USD -12.4%
Depreciation 645K USD +1.42%
Payments to Acquire Property, Plant, and Equipment 835K USD +168%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent 24.7M USD -41%
Lessee, Operating Lease, Liability, to be Paid 759K USD -2.32%
Property, Plant and Equipment, Gross 49.3M USD -2.69%
Lessee, Operating Lease, Liability, to be Paid, Year Two 191K USD -17%
Lessee, Operating Lease, Liability, to be Paid, Year One 310K USD -1.27%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount 138K USD +103%
Lessee, Operating Lease, Liability, to be Paid, Year Three 89K USD -47%
Deferred Tax Assets, Operating Loss Carryforwards 427K USD -8.37%
Deferred Federal Income Tax Expense (Benefit) -3.69M USD -1326%
Preferred Stock, Shares Authorized 100K shares 0%
Lessee, Operating Lease, Liability, to be Paid, Year Four 25K USD -61.5%
Preferred Stock, Shares Outstanding 0 shares
Amortization of Intangible Assets 4.29M USD +432%
Deferred Tax Assets, Net of Valuation Allowance 20.9M USD -1.07%
Interest Expense 45M USD +168%