US Stock MarketDetailed Quotes

ChoiceOne Financial Services (COFS)

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30.030
-0.290-0.96%

Close Apr 10 16:00 ET

30.030
0.0000.00%

Post 17:16 ET

449.91MMarket Cap14.94P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

ChoiceOne Financial Services (COFS) Balance Sheet

Quarterly+Annual

YOY

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(FY)Dec 31, 2025

(Q4)Dec 31, 2025

(Q3)Sep 30, 2025

(Q2)Jun 30, 2025

(Q1)Mar 31, 2025

(FY)Dec 31, 2024

(Q4)Dec 31, 2024

(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

Assets

Cash cash equivalents and federal funds sold

-9.06%87.99M

-32.18%98.98M

54.73%156.28M

-7.13%139.42M

74.54%96.75M

0.87%145.94M

31.50%101M

172.03%150.13M

-Cash and cash equivalents

-9.06%87.99M

-32.18%98.98M

54.73%156.28M

-7.13%139.42M

74.54%96.75M

0.87%145.94M

31.50%101M

172.03%150.13M

Net loan

94.85%2.99B

92.94%2.88B

102.73%2.89B

105.48%2.89B

9.77%1.54B

14.87%1.49B

13.41%1.43B

17.47%1.41B

-Gross loan

95.06%3.03B

93.14%2.92B

102.87%2.93B

105.59%2.93B

9.72%1.55B

14.82%1.51B

13.38%1.44B

17.33%1.42B

-Allowance for loans and lease losses

114.78%35.55M

110.76%34.75M

115.44%34.8M

115.55%34.57M

5.53%16.55M

10.88%16.49M

10.77%16.15M

6.45%16.04M

Securities and investments

7.66%948.97M

4.98%942.05M

-1.39%879.47M

-2.83%884.41M

-5.23%881.43M

-1.70%897.32M

-6.12%891.87M

-5.87%910.18M

-Available for sale securities

5,446.62%431.64M

6,945.41%550.67M

6,376.54%485.87M

6,296.24%483.56M

3.69%7.78M

7.63%7.82M

-9.60%7.5M

-13.09%7.56M

-Held to maturity securities

-2.91%383.05M

-2.36%382.72M

-2.36%383.44M

-3.21%385.19M

-3.29%394.53M

-5.49%391.95M

-6.62%392.7M

-5.89%397.98M

-Short term investments

-71.97%134.28M

-98.26%8.65M

-97.94%10.15M

-96.90%15.66M

-6.89%479.12M

1.37%497.55M

-5.67%491.67M

-5.74%504.64M

Federal home loan bank stock

111.82%31.12M

218.94%31.12M

226.95%31.11M

224.95%30.92M

54.40%14.69M

2.54%9.76M

-29.16%9.52M

-7.25%9.52M

Bank owned life insurance

66.60%74.8M

62.43%74.23M

62.33%73.67M

63.63%73.77M

-0.39%44.9M

2.03%45.7M

1.96%45.38M

1.89%45.08M

Net PPE

77.53%48.11M

70.11%46.16M

66.85%45.67M

56.66%44.28M

-8.91%27.1M

-8.41%27.14M

-5.90%27.37M

-1.27%28.27M

-Gross PPE

63.08%80.44M

----

-2.69%49.32M

----

-Accumulated depreciation

-45.45%-32.33M

----

-6.14%-22.23M

----

Foreclosed assets

433.62%2.52M

386.77%2.58M

797.79%2.44M

1,838.52%2.37M

287.70%473K

333.61%529K

2.26%272K

-6.15%122K

Goodwill and other intangible assets

158.58%157.84M

158.88%158.42M

160.86%160.15M

162.81%161.88M

-1.23%61.04M

-1.30%61.2M

-1.38%61.39M

-1.45%61.6M

-Goodwill

116.62%129.85M

111.41%126.73M

0.00%59.95M

-Other intangible assets

2,453.56%27.99M

2,435.52%31.69M

2,208.08%33.42M

2,029.19%35.15M

-40.88%1.1M

-39.23%1.25M

-37.15%1.45M

-35.43%1.65M

Other assets

8.36%65.54M

37.58%61.88M

15.09%67.83M

29.34%74.01M

33.60%60.48M

-36.22%44.97M

20.89%58.94M

33.43%57.22M

Total assets

61.96%4.41B

57.63%4.3B

64.32%4.31B

61.21%4.31B

5.69%2.72B

5.90%2.73B

5.61%2.62B

10.82%2.67B

Liabilities

Total deposits

62.60%3.6B

61.53%3.57B

68.93%3.59B

67.06%3.65B

4.34%2.21B

3.52%2.21B

1.93%2.13B

3.80%2.19B

Current debt and capital lease obligation

58.06%245M

-73.68%50M

-87.53%23.7M

--87.33M

675.00%155M

--190M

----

-Current debt

58.06%245M

-73.68%50M

-87.53%23.7M

--87.33M

675.00%155M

--190M

----

Long term debt and capital lease obligation

22.79%68.46M

252.60%196.37M

300.87%223.01M

-60.02%98.19M

-74.13%55.75M

-74.15%55.69M

-71.53%55.63M

104.09%245.57M

-Long term debt

22.79%68.46M

252.60%196.37M

300.87%223.01M

-60.02%98.19M

-74.13%55.75M

-74.15%55.69M

-71.53%55.63M

104.09%245.57M

Other liabilities

-16.49%31.71M

39.24%33.89M

8.07%39.16M

26.29%41.08M

61.52%37.97M

-45.18%24.34M

59.55%36.24M

117.57%32.53M

Total liabilities

60.19%3.95B

55.24%3.85B

61.03%3.88B

57.40%3.88B

3.43%2.46B

3.56%2.48B

4.52%2.41B

9.94%2.46B

Shareholders'equity

Share capital

92.66%398.39M

93.14%398.69M

128.87%398.2M

129.06%398.08M

19.17%206.78M

19.19%206.43M

0.64%173.98M

0.71%173.79M

-common stock

92.66%398.39M

93.14%398.69M

128.87%398.2M

129.06%398.08M

19.17%206.78M

19.19%206.43M

0.64%173.98M

0.71%173.79M

-Preferred stock

--0

Retained earnings

12.28%102.64M

7.33%93.12M

0.99%82.65M

-5.15%73.32M

24.04%91.41M

23.17%86.77M

21.63%81.84M

20.72%77.29M

Gains losses not affecting retained earnings

5.57%-35.67M

7.15%-42.2M

-18.85%-49.09M

0.00%-44.32M

26.75%-37.78M

27.25%-45.45M

32.21%-41.3M

34.70%-44.32M

Total stockholders'equity

78.70%465.35M

81.48%449.62M

101.27%431.76M

106.56%427.07M

33.11%260.42M

36.75%247.75M

19.68%214.52M

22.55%206.76M

Total equity

78.70%465.35M

81.48%449.62M

101.27%431.76M

106.56%427.07M

33.11%260.42M

36.75%247.75M

19.68%214.52M

22.55%206.76M

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(FY)Dec 31, 2025	(Q4)Dec 31, 2025	(Q3)Sep 30, 2025	(Q2)Jun 30, 2025	(Q1)Mar 31, 2025	(FY)Dec 31, 2024	(Q4)Dec 31, 2024	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024
Assets
Cash cash equivalents and federal funds sold	-9.06%87.99M	-9.06%87.99M	-32.18%98.98M	54.73%156.28M	-7.13%139.42M	74.54%96.75M	74.54%96.75M	0.87%145.94M	31.50%101M	172.03%150.13M
-Cash and cash equivalents	-9.06%87.99M	-9.06%87.99M	-32.18%98.98M	54.73%156.28M	-7.13%139.42M	74.54%96.75M	74.54%96.75M	0.87%145.94M	31.50%101M	172.03%150.13M
Net loan	94.85%2.99B	94.85%2.99B	92.94%2.88B	102.73%2.89B	105.48%2.89B	9.77%1.54B	9.77%1.54B	14.87%1.49B	13.41%1.43B	17.47%1.41B
-Gross loan	95.06%3.03B	95.06%3.03B	93.14%2.92B	102.87%2.93B	105.59%2.93B	9.72%1.55B	9.72%1.55B	14.82%1.51B	13.38%1.44B	17.33%1.42B
-Allowance for loans and lease losses	114.78%35.55M	114.78%35.55M	110.76%34.75M	115.44%34.8M	115.55%34.57M	5.53%16.55M	5.53%16.55M	10.88%16.49M	10.77%16.15M	6.45%16.04M
Securities and investments	7.66%948.97M	7.66%948.97M	4.98%942.05M	-1.39%879.47M	-2.83%884.41M	-5.23%881.43M	-5.23%881.43M	-1.70%897.32M	-6.12%891.87M	-5.87%910.18M
-Available for sale securities	5,446.62%431.64M	5,446.62%431.64M	6,945.41%550.67M	6,376.54%485.87M	6,296.24%483.56M	3.69%7.78M	3.69%7.78M	7.63%7.82M	-9.60%7.5M	-13.09%7.56M
-Held to maturity securities	-2.91%383.05M	-2.91%383.05M	-2.36%382.72M	-2.36%383.44M	-3.21%385.19M	-3.29%394.53M	-3.29%394.53M	-5.49%391.95M	-6.62%392.7M	-5.89%397.98M
-Short term investments	-71.97%134.28M	-71.97%134.28M	-98.26%8.65M	-97.94%10.15M	-96.90%15.66M	-6.89%479.12M	-6.89%479.12M	1.37%497.55M	-5.67%491.67M	-5.74%504.64M
Federal home loan bank stock	111.82%31.12M	111.82%31.12M	218.94%31.12M	226.95%31.11M	224.95%30.92M	54.40%14.69M	54.40%14.69M	2.54%9.76M	-29.16%9.52M	-7.25%9.52M
Bank owned life insurance	66.60%74.8M	66.60%74.8M	62.43%74.23M	62.33%73.67M	63.63%73.77M	-0.39%44.9M	-0.39%44.9M	2.03%45.7M	1.96%45.38M	1.89%45.08M
Net PPE	77.53%48.11M	77.53%48.11M	70.11%46.16M	66.85%45.67M	56.66%44.28M	-8.91%27.1M	-8.91%27.1M	-8.41%27.14M	-5.90%27.37M	-1.27%28.27M
-Gross PPE	63.08%80.44M	63.08%80.44M	----	----	----	-2.69%49.32M	-2.69%49.32M	----	----	----
-Accumulated depreciation	-45.45%-32.33M	-45.45%-32.33M	----	----	----	-6.14%-22.23M	-6.14%-22.23M	----	----	----
Foreclosed assets	433.62%2.52M	433.62%2.52M	386.77%2.58M	797.79%2.44M	1,838.52%2.37M	287.70%473K	287.70%473K	333.61%529K	2.26%272K	-6.15%122K
Goodwill and other intangible assets	158.58%157.84M	158.58%157.84M	158.88%158.42M	160.86%160.15M	162.81%161.88M	-1.23%61.04M	-1.23%61.04M	-1.30%61.2M	-1.38%61.39M	-1.45%61.6M
-Goodwill	116.62%129.85M	116.62%129.85M	111.41%126.73M	111.41%126.73M	111.41%126.73M	0.00%59.95M	0.00%59.95M	0.00%59.95M	0.00%59.95M	0.00%59.95M
-Other intangible assets	2,453.56%27.99M	2,453.56%27.99M	2,435.52%31.69M	2,208.08%33.42M	2,029.19%35.15M	-40.88%1.1M	-40.88%1.1M	-39.23%1.25M	-37.15%1.45M	-35.43%1.65M
Other assets	8.36%65.54M	8.36%65.54M	37.58%61.88M	15.09%67.83M	29.34%74.01M	33.60%60.48M	33.60%60.48M	-36.22%44.97M	20.89%58.94M	33.43%57.22M
Total assets	61.96%4.41B	61.96%4.41B	57.63%4.3B	64.32%4.31B	61.21%4.31B	5.69%2.72B	5.69%2.72B	5.90%2.73B	5.61%2.62B	10.82%2.67B
Liabilities
Total deposits	62.60%3.6B	62.60%3.6B	61.53%3.57B	68.93%3.59B	67.06%3.65B	4.34%2.21B	4.34%2.21B	3.52%2.21B	1.93%2.13B	3.80%2.19B
Current debt and capital lease obligation	58.06%245M	58.06%245M	-73.68%50M	-87.53%23.7M	--87.33M	675.00%155M	675.00%155M	--190M	--190M	----
-Current debt	58.06%245M	58.06%245M	-73.68%50M	-87.53%23.7M	--87.33M	675.00%155M	675.00%155M	--190M	--190M	----
Long term debt and capital lease obligation	22.79%68.46M	22.79%68.46M	252.60%196.37M	300.87%223.01M	-60.02%98.19M	-74.13%55.75M	-74.13%55.75M	-74.15%55.69M	-71.53%55.63M	104.09%245.57M
-Long term debt	22.79%68.46M	22.79%68.46M	252.60%196.37M	300.87%223.01M	-60.02%98.19M	-74.13%55.75M	-74.13%55.75M	-74.15%55.69M	-71.53%55.63M	104.09%245.57M
Other liabilities	-16.49%31.71M	-16.49%31.71M	39.24%33.89M	8.07%39.16M	26.29%41.08M	61.52%37.97M	61.52%37.97M	-45.18%24.34M	59.55%36.24M	117.57%32.53M
Total liabilities	60.19%3.95B	60.19%3.95B	55.24%3.85B	61.03%3.88B	57.40%3.88B	3.43%2.46B	3.43%2.46B	3.56%2.48B	4.52%2.41B	9.94%2.46B
Shareholders'equity
Share capital	92.66%398.39M	92.66%398.39M	93.14%398.69M	128.87%398.2M	129.06%398.08M	19.17%206.78M	19.17%206.78M	19.19%206.43M	0.64%173.98M	0.71%173.79M
-common stock	92.66%398.39M	92.66%398.39M	93.14%398.69M	128.87%398.2M	129.06%398.08M	19.17%206.78M	19.17%206.78M	19.19%206.43M	0.64%173.98M	0.71%173.79M
-Preferred stock	--0	--0	--0	--0	--0	--0	--0	--0	--0	--0
Retained earnings	12.28%102.64M	12.28%102.64M	7.33%93.12M	0.99%82.65M	-5.15%73.32M	24.04%91.41M	24.04%91.41M	23.17%86.77M	21.63%81.84M	20.72%77.29M
Gains losses not affecting retained earnings	5.57%-35.67M	5.57%-35.67M	7.15%-42.2M	-18.85%-49.09M	0.00%-44.32M	26.75%-37.78M	26.75%-37.78M	27.25%-45.45M	32.21%-41.3M	34.70%-44.32M
Total stockholders'equity	78.70%465.35M	78.70%465.35M	81.48%449.62M	101.27%431.76M	106.56%427.07M	33.11%260.42M	33.11%260.42M	36.75%247.75M	19.68%214.52M	22.55%206.76M
Total equity	78.70%465.35M	78.70%465.35M	81.48%449.62M	101.27%431.76M	106.56%427.07M	33.11%260.42M	33.11%260.42M	36.75%247.75M	19.68%214.52M	22.55%206.76M
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--	--	--

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