COFS - NASDAQ
ChoiceOne Financial Services, Inc.
$30.52
-3.4%ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
At a Glance
Live SnapshotChoiceOne Financial Services, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Moderate capital requirements typical of many stable businesses. Healthy balance between reinvestment and cash generation.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Significant working capital drain. Growth may be consuming cash through inventory buildup or receivables extension—monitor closely.
Cash Flow Quality Insight
Working capital strain: Significant cash tied up in operations. Monitor receivables collection, inventory turns, and payment terms to optimize cash conversion cycle.
ChoiceOne Financial Services, Inc. Cash Flow Statement
COFS • NASDAQ
| ChoiceOne Financial Services, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
28.2M | 26.7M | 21.3M | 23.6M | 22M | 15.6M | 7.2M | 7.3M | 6.2M | 6.1M | 5.7M | 5.7M | 5.1M | 4.3M | 3.5M | 2.7M | 1.5M | 1.4M | 3.6M | 2.1M | |
0.0 | 12.3M | 12.4M | 13.3M | 12.4M | 7.7M | 3.1M | 2.1M | 2.5M | 2.6M | 2.5M | 2.5M | 2.6M | 2.5M | 2.2M | 2.1M | 2.1M | 1.8M | 1.8M | 1.1M | |
0.0 | -271K | -24K | -15K | 924K | 202K | 310K | 209K | 62K | -82K | -631K | -460K | 59K | -132K | 378K | -163K | -410K | -644K | 0.0 | 0.0 | |
0.0 | 720K | 1M | 958K | 812K | 512K | 373K | 344K | 317K | 380K | 118K | 60K | 22K | 11K | 15K | 26K | 33K | 45K | 0.0 | 0.0 | |
7.7M | -4.8M | -1.2M | 4.4M | 1.2M | -8.8M | -2.4M | 295K | -541K | 2.1M | -2.7M | -906K | 3M | 2.4M | 6.5M | 3.4M | 8.6M | 5.2M | 2.8M | 66K | |
(7.3M) | (6.4M) | (4.5M) | (2M) | (3.3M) | (5M) | (1M) | (850K) | (2.1M) | (1.8M) | (2.4M) | (1.8M) | (2M) | (1.4M) | (765K) | (285K) | (31K) | (575K) | (0.0) | (0.0) | |
-15.2M | 14M | 13M | 2M | 297K | -6.7M | 635K | -302K | -366K | -148K | -1.1M | 605K | -378K | 671K | -67K | 1.2M | -2.5M | -598K | -1.7M | -10.4M | |
20.7M | 48.6M | 46.5M | 44.3M | 37.7M | 8.5M | 9.2M | 10M | 8.1M | 10.9M | 4M | 7.5M | 10.4M | 9.6M | 12.5M | 9.2M | 9.2M | 7.2M | 6.5M | -7.2M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -1.7M | -4.2M | -1.2M | -2.8M | -1.9M | -766K | -4.2M | -1.7M | -1.8M | -1M | -786K | -801K | -921K | -499K | -1.5M | -816K | -764K | -528K | -301K | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (35.6M) | (20.6M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -16.8M | -6.4M | -65.5M | -637.9M | -375.7M | -209.8M | -31.5M | -56.1M | -69.5M | -70.9M | -41.8M | -40.7M | -69.6M | -43.7M | -44.1M | -31.3M | -20.6M | -32.9M | -22.2M | |
0.0 | 59.8M | 51.5M | 106.8M | 83.9M | 170.7M | 226.7M | 16.2M | 75.2M | 52M | 53M | 36.2M | 34.9M | 48.5M | 22M | 28.3M | 35.4M | 24.7M | 27.1M | 24.1M | |
-29.4M | -139.1M | -222.2M | -129.9M | 35.4M | -79.6M | -486K | -24.4M | -35.7M | -22.2M | -3.7M | -32.3M | -6.8M | 5.4M | -9M | 875K | -4.4M | -4.8M | -126K | 20.4M | |
-29.4M | -97.9M | -181.4M | -89.8M | -521.4M | -250.8M | (36.4M) | -43.9M | -18.3M | -41.5M | -22.7M | -38.7M | -13.4M | -16.6M | -31.1M | -16.4M | -1.1M | -1.4M | -6.4M | (22M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-1.8M | 32.8M | 231K | -510K | -7.6M | 134K | -222K | -446K | -105K | -709K | -165K | -71K | -62K | 48K | 127K | 125K | 126K | 147K | -368K | 255K | |
-80.2M | -25M | 150M | 0.0 | 73.2M | -23.9M | 5M | -15M | 8M | 969K | -7M | 12M | 6M | -8M | -26K | -13.5M | -18M | 4M | 18.2M | -22.9M | |
-16.9M | -9M | -7.9M | -7.6M | -7.2M | -6.2M | -5.8M | -2.6M | -2.3M | -2.2M | -2.2M | -1.9M | -1.8M | -1.6M | -1.6M | -1.6M | -1.6M | -2.2M | -2.2M | -1.4M | |
-2.7M | (0.0) | (0.0) | -682K | -7.8M | (0.0) | -364K | -523K | -203K | -794K | -371K | -203K | -192K | -75K | (0.0) | (0.0) | (0.0) | (0.0) | -537K | (0.0) | |
2.2M | 91.8M | 4.1M | 65.6M | 377.7M | 292.1M | -4.6M | 34.8M | 26.8M | 36.2M | 22.6M | 17.5M | 389K | 18.5M | 13.1M | 26.4M | 19.9M | -7.8M | -14.5M | 14.1M | |
-96.8M | 90.6M | 146.4M | 57.5M | 436M | 262.2M | -5.7M | 16.8M | 32.2M | 34.2M | 13.2M | 27.4M | 4.5M | 8.9M | 11.6M | 11.5M | 471K | -5.8M | 1.1M | -9.9M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
8.8M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-96.8M | 41.3M | 11.5M | 12.1M | -47.6M | 20M | 39.9M | -17.1M | 22M | 3.6M | -5.5M | -3.8M | 1.4M | 1.9M | -6.9M | 4.3M | 8.6M | 20K | 1.2M | 4.9M | |
96.8M | 55.4M | 43.9M | 31.9M | 79.5M | 59.6M | 19.7M | 36.8M | 14.8M | 11.2M | 16.7M | 20.5M | 19M | 17.1M | 24.1M | 19.8M | 11.2M | 11.1M | 9.9M | 5M | |
0.0 | 96.8M | 55.4M | 43.9M | 31.9M | 79.5M | 59.6M | 19.7M | 36.8M | 14.8M | 11.2M | 16.7M | 20.5M | 19M | 17.1M | 24.1M | 19.8M | 11.2M | 11.1M | 9.9M | |
23.9M | 46.9M | 42.2M | 43.2M | 34.9M | 6.6M | 8.4M | 5.7M | 6.4M | 9.1M | 2.9M | 6.7M | 9.6M | 8.7M | 12M | 7.7M | 8.4M | 6.5M | 6M | -7.5M |
SEC Filings
COFS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K/A 8-K/A 2026 (Amended) N/A | May 27, 2026 | May 20, 2026 | 2026 | |
S-3 S-3 N/A | May 22, 2026 | May 22, 2026 | ||
8-K 8-K 2026 N/A | May 22, 2026 | May 20, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 20, 2026 | May 20, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 11, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 05, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 24, 2026 | April 24, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 13, 2026 | May 20, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 04, 2026 | February 04, 2026 | 2026 |
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