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 | 09-2025 | 06-2025 | 03-2025 | 12-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 28,176 | 14,309 | -372 | -13,906 | 26,727 |
| Depreciation Amortization | 6,778 | 4,517 | 2,634 | 3,634 | 11,113 |
| Other Working Capital | -16,010 | -13,115 | -12,380 | -9,057 | 10,071 |
| Loans | -678 | 405 | -671 | 3,154 | -3,631 |
| Other Operating Activity | 13,548 | 11,664 | 13,275 | 9,703 | 2,801 |
| Operating Cash Flow | $31,814 | $17,780 | $2,486 | $-6,472 | $47,081 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 35,272 | 37,070 | 90,038 | 87,022 | 57,291 |
| PPE Investments | -5,563 | -3,782 | -2,289 | -835 | -1,361 |
| Purchase Of Investment | -4,756 | -4,311 | -2,700 | -979 | -14,361 |
| Sale Of Investment | 648 | N/A | N/A | N/A | N/A |
| Net Loans | -89,318 | 18,286 | 11,571 | -4,949 | -134,850 |
| Other Investing Activity | 170,403 | 177,650 | 170,411 | 176,718 | -3,064 |
| Investing Cash Flow | $106,686 | $224,913 | $267,031 | $256,977 | $-96,345 |
| Cash Flows From Financing Activities | |||||
| Common Stock Issued | 892 | 678 | 432 | 172 | 32,767 |
| Common Stock Repurchased | -2,679 | -2,051 | -1,837 | -2,059 | N/A |
| Dividend Paid | -16,949 | -12,599 | -8,395 | -4,192 | -9,012 |
| Other Financing Activity | -80,540 | -147,540 | -146,828 | -207,501 | -25,220 |
| Financing Cash Flow | $-147,263 | $-240,465 | $-209,988 | $-207,835 | $90,582 |
| Beginning Cash Position | 96,751 | 96,751 | 96,751 | 96,751 | 55,433 |
| End Cash Position | 87,988 | 98,978 | 156,280 | 139,421 | 96,751 |
| Net Cash Flow | $-8,763 | $2,227 | $59,529 | $42,670 | $41,318 |
| Free Cash Flow | |||||
| Operating Cash Flow | 31,814 | 17,780 | 2,486 | -6,472 | 47,081 |
| Capital Expenditure | -6,627 | -4,510 | -2,910 | -835 | -1,706 |
| Free Cash Flow | 25,187 | 13,270 | -424 | -7,307 | 45,375 |