Choiceone Financial (COFS)
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[[ session ]] by (Cboe BZX)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 12-2025 | 12-2024 | 12-2023 | 12-2022 | 12-2021 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 28,176 | 26,727 | 21,261 | 23,640 | 22,042 |
| Depreciation Amortization | 6,778 | 11,113 | 10,706 | 13,342 | 12,425 |
| Other Working Capital | -16,010 | 10,071 | 14,002 | 5,450 | 2,456 |
| Loans | -678 | -3,631 | -697 | 3,468 | 1,235 |
| Other Operating Activity | 13,548 | 2,801 | 1,061 | -1,573 | -459 |
| Operating Cash Flow | $31,814 | $47,081 | $46,333 | $44,327 | $37,699 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 35,272 | 57,291 | 47,215 | 51,775 | -548,882 |
| PPE Investments | -5,563 | -1,361 | -4,077 | -1,164 | -2,759 |
| Purchase Of Investment | -4,756 | -14,361 | -597 | -8,534 | -5,117 |
| Sale Of Investment | 648 | N/A | 4,804 | N/A | N/A |
| Net Loans | -89,318 | -134,850 | -219,521 | -130,620 | 45,384 |
| Other Investing Activity | 170,403 | -3,064 | -9,040 | -1,263 | -10,000 |
| Investing Cash Flow | $106,686 | $-96,345 | $-181,216 | $-89,806 | $-521,374 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | N/A | N/A | N/A | 726,000 | 87,500 |
| Debt Repayment | N/A | N/A | N/A | -726,000 | -14,326 |
| Common Stock Issued | 892 | 32,767 | 231 | 172 | 139 |
| Common Stock Repurchased | -2,679 | N/A | N/A | -682 | -7,786 |
| Dividend Paid | -16,949 | -9,012 | -7,910 | -7,578 | -7,200 |
| Other Financing Activity | -80,540 | -25,220 | 150,000 | -85 | 0 |
| Financing Cash Flow | $-147,263 | $90,582 | $146,373 | $57,536 | $436,043 |
| Beginning Cash Position | 96,751 | 55,433 | 43,943 | 31,886 | 79,519 |
| End Cash Position | 87,988 | 96,751 | 55,433 | 43,943 | 31,887 |
| Net Cash Flow | $-8,763 | $41,318 | $11,490 | $12,057 | $-47,632 |
| Free Cash Flow | |||||
| Operating Cash Flow | 31,814 | 47,081 | 46,333 | 44,327 | 37,699 |
| Capital Expenditure | -6,627 | -1,706 | -4,234 | -1,164 | -2,759 |
| Free Cash Flow | 25,187 | 45,375 | 42,099 | 43,163 | 34,940 |