CHOICEONE FINANCIAL SERVICES INC financial data

Symbol
COFS on Nasdaq
Location
Sparta, MI
Fiscal year end
31 December
Latest financial report
10-Q - Q3 2025 - 10 Nov 2025

Key Ratios

Label TTM Value / Value Unit Change %
Debt-to-equity 897% % -20%
Return On Equity 5% % -52%
Return On Assets 1% % -42%

Shares

Label TTM Value / Value Unit Change %
Entity Common Stock, Shares Outstanding 15,023,732 shares 68%
Common Stock, Shares, Outstanding 15,017,802 shares 68%
Entity Public Float $198,600,000 USD 25%
Weighted Average Number of Shares Outstanding, Basic 15,014,933 shares 75%
Weighted Average Number of Shares Outstanding, Diluted 15,061,155 shares 75%

Income Statement

Label TTM Value / Value Unit Change %
Revenues $44,881,000 USD 38%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $26,199,000 USD -15%
Income Tax Expense (Benefit) $4,731,000 USD -20%
Net Income (Loss) Attributable to Parent $21,468,000 USD -14%
Earnings Per Share, Basic 1 USD/shares -57%
Earnings Per Share, Diluted 1 USD/shares -57%

Balance Sheet

Label TTM Value / Value Unit Change %
Cash and Cash Equivalents, at Carrying Value $98,978,000 USD -32%
Property, Plant and Equipment, Net $46,159,000 USD 70%
Intangible Assets, Net (Excluding Goodwill) $31,694,000 USD
Goodwill $126,730,000 USD 111%
Assets $4,296,902,000 USD 58%
Liabilities $3,847,287,000 USD 55%
Common Stocks, Including Additional Paid in Capital $398,688,000 USD 93%
Accumulated Other Comprehensive Income (Loss), Net of Tax $42,197,000 USD 7.1%
Retained Earnings (Accumulated Deficit) $93,124,000 USD 7.3%
Stockholders' Equity Attributable to Parent $449,615,000 USD 81%
Liabilities and Equity $4,296,902,000 USD 58%

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 100%
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 $621,000 USD -12%
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 $24,717,000 USD -41%
Lessee, Operating Lease, Liability, to be Paid $759,000 USD -2.3%
Property, Plant and Equipment, Gross $49,324,000 USD -2.7%
Lessee, Operating Lease, Liability, to be Paid, Year Two $191,000 USD -17%
Lessee, Operating Lease, Liability, to be Paid, Year One $310,000 USD -1.3%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $138,000 USD 103%
Lessee, Operating Lease, Liability, to be Paid, Year Three $89,000 USD -47%
Deferred Tax Assets, Operating Loss Carryforwards $427,000 USD -8.4%
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 $25,000 USD -62%
Preferred Stock, Shares Outstanding 0 shares
Amortization of Intangible Assets $4,293,000 USD 432%
Deferred Tax Assets, Net of Valuation Allowance $20,904,000 USD -1.1%
Interest Expense $45,015,000 USD 168%