Choiceone Financial
(COFS)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 09-2025 | 06-2025 | 03-2025 | 12-2024 | 09-2024 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 14,309 | -372 | -13,906 | 26,727 | 19,568 |
| Depreciation Amortization | 4,517 | 2,634 | 3,634 | 12,333 | 8,226 |
| Other Working Capital | -13,115 | -12,380 | -9,057 | 10,025 | -3,832 |
| Loans | 405 | -671 | 3,154 | -3,677 | -1,971 |
| Other Operating Activity | 11,664 | 13,275 | 9,703 | 3,238 | 1,703 |
| Operating Cash Flow | $17,780 | $2,486 | $-6,472 | $48,646 | $23,694 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 37,070 | 90,038 | 87,022 | 57,291 | 40,703 |
| PPE Investments | -3,782 | -2,289 | -835 | -1,706 | -1,047 |
| Purchase Of Investment | -4,311 | -2,700 | -979 | -14,361 | -2,070 |
| Net Loans | 18,286 | 11,571 | -4,949 | -136,070 | -93,177 |
| Other Investing Activity | 177,650 | 170,411 | 176,718 | -3,064 | 248 |
| Investing Cash Flow | $224,913 | $267,031 | $256,977 | $-97,910 | $-55,343 |
| Cash Flows From Financing Activities | |||||
| Debt Issued | N/A | N/A | N/A | 315,000 | N/A |
| Debt Repayment | N/A | N/A | N/A | -340,000 | N/A |
| Common Stock Issued | 678 | 432 | 172 | 32,767 | 32,594 |
| Common Stock Repurchased | -2,051 | -1,837 | -2,059 | N/A | N/A |
| Dividend Paid | -12,599 | -8,395 | -4,192 | -9,012 | -6,502 |
| Other Financing Activity | -147,540 | -146,828 | -207,501 | -220 | 9,889 |
| Financing Cash Flow | $-240,465 | $-209,988 | $-207,835 | $90,582 | $122,154 |
| Beginning Cash Position | 96,751 | 96,751 | 96,751 | 55,433 | 55,433 |
| End Cash Position | 98,978 | 156,280 | 139,421 | 96,751 | 145,938 |
| Net Cash Flow | $2,227 | $59,529 | $42,670 | $41,318 | $90,505 |
| Free Cash Flow | |||||
| Operating Cash Flow | 17,780 | 2,486 | -6,472 | 48,646 | 23,694 |
| Capital Expenditure | -4,510 | -2,910 | -835 | -1,706 | -1,047 |
| Free Cash Flow | 13,270 | -424 | -7,307 | 46,940 | 22,647 |