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COFS ChoiceOne Financial Services

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  • 28.390
  • -0.080-0.28%
Close May 7 16:00 ET
425.14MMarket Cap23.46P/E (TTM)

ChoiceOne Financial Services Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
(Q3)Sep 30, 2023
(Q2)Jun 30, 2023
Assets
Cash cash equivalents and federal funds sold
-7.13%139.42M
74.54%96.75M
74.54%96.75M
0.87%145.94M
31.50%101M
172.03%150.13M
26.15%55.43M
26.15%55.43M
180.95%144.67M
90.61%76.81M
-Cash and cash equivalents
-7.13%139.42M
74.54%96.75M
74.54%96.75M
0.87%145.94M
31.50%101M
172.03%150.13M
26.15%55.43M
26.15%55.43M
180.95%144.67M
90.61%76.81M
Net loan
105.48%2.89B
9.77%1.54B
9.77%1.54B
14.87%1.49B
13.41%1.43B
17.47%1.41B
17.92%1.4B
17.92%1.4B
14.67%1.3B
12.17%1.26B
-Gross loan
105.59%2.93B
9.72%1.55B
9.72%1.55B
14.82%1.51B
13.38%1.44B
17.33%1.42B
18.48%1.42B
18.48%1.42B
15.22%1.32B
12.72%1.27B
-Allowance for loans and lease losses
115.55%34.57M
5.53%16.55M
5.53%16.55M
10.88%16.49M
10.77%16.15M
6.45%16.04M
105.87%15.69M
105.87%15.69M
99.44%14.87M
96.63%14.58M
Securities and investments
-2.83%884.41M
-5.23%881.43M
-5.23%881.43M
-1.70%897.32M
-6.12%891.87M
-5.87%910.18M
-3.54%930.06M
-3.54%930.06M
-5.53%912.81M
-5.38%950.05M
-Available for sale securities
23.39%9.33M
3.69%7.78M
3.69%7.78M
7.63%7.82M
-9.60%7.5M
-13.09%7.56M
-12.39%7.51M
-12.39%7.51M
-8.96%7.26M
0.13%8.3M
-Held to maturity securities
-0.89%394.43M
-3.29%394.53M
-3.29%394.53M
-5.49%391.95M
-6.62%392.7M
-5.89%397.98M
-4.21%407.96M
-4.21%407.96M
-3.14%414.74M
-2.12%420.55M
-Short term investments
-4.75%480.65M
-6.89%479.12M
-6.89%479.12M
1.37%497.55M
-5.67%491.67M
-5.74%504.64M
-2.86%514.6M
-2.86%514.6M
-7.41%490.8M
-7.94%521.2M
Federal home loan bank stock
224.95%30.92M
54.40%14.69M
54.40%14.69M
2.54%9.76M
-29.16%9.52M
-7.25%9.52M
10.87%9.51M
10.87%9.51M
11.18%9.51M
56.96%13.43M
Bank owned life insurance
63.63%73.77M
-0.39%44.9M
-0.39%44.9M
2.03%45.7M
1.96%45.38M
1.89%45.08M
2.49%45.07M
2.49%45.07M
1.71%44.79M
1.68%44.51M
Net PPE
56.66%44.28M
-8.91%27.1M
-8.91%27.1M
-8.41%27.14M
-5.90%27.37M
-1.27%28.27M
5.38%29.75M
5.38%29.75M
2.35%29.63M
-0.13%29.09M
-Gross PPE
----
-2.69%49.32M
-2.69%49.32M
----
----
----
9.15%50.69M
9.15%50.69M
----
----
-Accumulated depreciation
----
-6.14%-22.23M
-6.14%-22.23M
----
----
----
-15.01%-20.94M
-15.01%-20.94M
----
----
Foreclosed assets
----
287.70%473K
287.70%473K
333.61%529K
2.26%272K
-6.15%122K
--122K
--122K
--122K
--266K
Goodwill and other intangible assets
162.46%161.67M
-1.23%61.04M
-1.23%61.04M
-1.30%61.2M
-1.38%61.39M
-1.45%61.6M
-1.52%61.8M
-1.52%61.8M
-1.60%62M
-1.66%62.25M
-Goodwill
111.05%126.52M
0.00%59.95M
0.00%59.95M
0.00%59.95M
0.00%59.95M
0.00%59.95M
0.00%59.95M
0.00%59.95M
0.00%59.95M
0.00%59.95M
-Other intangible assets
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
-34.00%1.85M
-34.00%1.85M
-32.82%2.06M
-31.39%2.3M
Other assets
33.47%76.38M
33.60%60.48M
33.60%60.48M
-36.22%44.97M
20.89%58.94M
33.43%57.22M
-4.10%45.27M
-4.10%45.27M
4.69%70.51M
-0.55%48.75M
Total assets
61.20%4.31B
5.69%2.72B
5.69%2.72B
5.90%2.73B
5.61%2.62B
10.82%2.67B
8.00%2.58B
8.00%2.58B
8.91%2.57B
5.23%2.48B
Liabilities
Total deposits
67.06%3.65B
4.34%2.21B
4.34%2.21B
3.52%2.21B
1.93%2.13B
3.80%2.19B
0.19%2.12B
0.19%2.12B
-1.09%2.13B
-2.44%2.09B
Current debt and capital lease obligation
----
675.00%155M
675.00%155M
--190M
--190M
----
-60.00%20M
-60.00%20M
----
----
-Current debt
----
675.00%155M
675.00%155M
--190M
--190M
----
-60.00%20M
-60.00%20M
----
----
Long term debt and capital lease obligation
-24.45%185.52M
-74.13%55.75M
-74.13%55.75M
-74.15%55.69M
-71.53%55.63M
104.09%245.57M
511.16%215.51M
511.16%215.51M
512.05%215.45M
363.66%195.39M
-Long term debt
-24.45%185.52M
-74.13%55.75M
-74.13%55.75M
-74.15%55.69M
-71.53%55.63M
104.09%245.57M
511.16%215.51M
511.16%215.51M
512.05%215.45M
363.66%195.39M
Other liabilities
26.29%41.08M
61.52%37.97M
61.52%37.97M
-45.18%24.34M
59.55%36.24M
117.57%32.53M
70.66%23.51M
70.66%23.51M
195.62%44.39M
73.37%22.71M
Total liabilities
57.40%3.88B
3.43%2.46B
3.43%2.46B
3.56%2.48B
4.52%2.41B
9.94%2.46B
7.40%2.38B
7.40%2.38B
8.44%2.39B
5.05%2.3B
Shareholders'equity
Share capital
128.94%397.86M
19.17%206.78M
19.17%206.78M
19.19%206.43M
0.64%173.98M
0.71%173.79M
0.72%173.51M
0.72%173.51M
0.70%173.19M
0.63%172.88M
-common stock
128.94%397.86M
19.17%206.78M
19.17%206.78M
19.19%206.43M
0.64%173.98M
0.71%173.79M
0.72%173.51M
0.72%173.51M
0.70%173.19M
0.63%172.88M
-Preferred stock
----
--0
--0
--0
--0
--0
--0
--0
--0
--0
Retained earnings
-5.15%73.32M
24.04%91.41M
24.04%91.41M
23.17%86.77M
21.63%81.84M
20.72%77.29M
7.76%73.7M
7.76%73.7M
10.65%70.44M
12.65%67.28M
Gains losses not affecting retained earnings
0.00%-44.32M
26.75%-37.78M
26.75%-37.78M
27.25%-45.45M
32.21%-41.3M
34.70%-44.32M
28.16%-51.58M
28.16%-51.58M
20.91%-62.47M
6.38%-60.92M
Total stockholders'equity
106.45%426.85M
33.11%260.42M
33.11%260.42M
36.75%247.75M
19.68%214.52M
22.55%206.76M
15.85%195.63M
15.85%195.63M
15.64%181.16M
7.68%179.24M
Total equity
106.45%426.85M
33.11%260.42M
33.11%260.42M
36.75%247.75M
19.68%214.52M
22.55%206.76M
15.85%195.63M
15.85%195.63M
15.64%181.16M
7.68%179.24M
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 with Explanatory Notes
--
--
--
(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023(Q3)Sep 30, 2023(Q2)Jun 30, 2023
Assets
Cash cash equivalents and federal funds sold -7.13%139.42M74.54%96.75M74.54%96.75M0.87%145.94M31.50%101M172.03%150.13M26.15%55.43M26.15%55.43M180.95%144.67M90.61%76.81M
-Cash and cash equivalents -7.13%139.42M74.54%96.75M74.54%96.75M0.87%145.94M31.50%101M172.03%150.13M26.15%55.43M26.15%55.43M180.95%144.67M90.61%76.81M
Net loan 105.48%2.89B9.77%1.54B9.77%1.54B14.87%1.49B13.41%1.43B17.47%1.41B17.92%1.4B17.92%1.4B14.67%1.3B12.17%1.26B
-Gross loan 105.59%2.93B9.72%1.55B9.72%1.55B14.82%1.51B13.38%1.44B17.33%1.42B18.48%1.42B18.48%1.42B15.22%1.32B12.72%1.27B
-Allowance for loans and lease losses 115.55%34.57M5.53%16.55M5.53%16.55M10.88%16.49M10.77%16.15M6.45%16.04M105.87%15.69M105.87%15.69M99.44%14.87M96.63%14.58M
Securities and investments -2.83%884.41M-5.23%881.43M-5.23%881.43M-1.70%897.32M-6.12%891.87M-5.87%910.18M-3.54%930.06M-3.54%930.06M-5.53%912.81M-5.38%950.05M
-Available for sale securities 23.39%9.33M3.69%7.78M3.69%7.78M7.63%7.82M-9.60%7.5M-13.09%7.56M-12.39%7.51M-12.39%7.51M-8.96%7.26M0.13%8.3M
-Held to maturity securities -0.89%394.43M-3.29%394.53M-3.29%394.53M-5.49%391.95M-6.62%392.7M-5.89%397.98M-4.21%407.96M-4.21%407.96M-3.14%414.74M-2.12%420.55M
-Short term investments -4.75%480.65M-6.89%479.12M-6.89%479.12M1.37%497.55M-5.67%491.67M-5.74%504.64M-2.86%514.6M-2.86%514.6M-7.41%490.8M-7.94%521.2M
Federal home loan bank stock 224.95%30.92M54.40%14.69M54.40%14.69M2.54%9.76M-29.16%9.52M-7.25%9.52M10.87%9.51M10.87%9.51M11.18%9.51M56.96%13.43M
Bank owned life insurance 63.63%73.77M-0.39%44.9M-0.39%44.9M2.03%45.7M1.96%45.38M1.89%45.08M2.49%45.07M2.49%45.07M1.71%44.79M1.68%44.51M
Net PPE 56.66%44.28M-8.91%27.1M-8.91%27.1M-8.41%27.14M-5.90%27.37M-1.27%28.27M5.38%29.75M5.38%29.75M2.35%29.63M-0.13%29.09M
-Gross PPE -----2.69%49.32M-2.69%49.32M------------9.15%50.69M9.15%50.69M--------
-Accumulated depreciation -----6.14%-22.23M-6.14%-22.23M-------------15.01%-20.94M-15.01%-20.94M--------
Foreclosed assets ----287.70%473K287.70%473K333.61%529K2.26%272K-6.15%122K--122K--122K--122K--266K
Goodwill and other intangible assets 162.46%161.67M-1.23%61.04M-1.23%61.04M-1.30%61.2M-1.38%61.39M-1.45%61.6M-1.52%61.8M-1.52%61.8M-1.60%62M-1.66%62.25M
-Goodwill 111.05%126.52M0.00%59.95M0.00%59.95M0.00%59.95M0.00%59.95M0.00%59.95M0.00%59.95M0.00%59.95M0.00%59.95M0.00%59.95M
-Other intangible assets 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-34.00%1.85M-34.00%1.85M-32.82%2.06M-31.39%2.3M
Other assets 33.47%76.38M33.60%60.48M33.60%60.48M-36.22%44.97M20.89%58.94M33.43%57.22M-4.10%45.27M-4.10%45.27M4.69%70.51M-0.55%48.75M
Total assets 61.20%4.31B5.69%2.72B5.69%2.72B5.90%2.73B5.61%2.62B10.82%2.67B8.00%2.58B8.00%2.58B8.91%2.57B5.23%2.48B
Liabilities
Total deposits 67.06%3.65B4.34%2.21B4.34%2.21B3.52%2.21B1.93%2.13B3.80%2.19B0.19%2.12B0.19%2.12B-1.09%2.13B-2.44%2.09B
Current debt and capital lease obligation ----675.00%155M675.00%155M--190M--190M-----60.00%20M-60.00%20M--------
-Current debt ----675.00%155M675.00%155M--190M--190M-----60.00%20M-60.00%20M--------
Long term debt and capital lease obligation -24.45%185.52M-74.13%55.75M-74.13%55.75M-74.15%55.69M-71.53%55.63M104.09%245.57M511.16%215.51M511.16%215.51M512.05%215.45M363.66%195.39M
-Long term debt -24.45%185.52M-74.13%55.75M-74.13%55.75M-74.15%55.69M-71.53%55.63M104.09%245.57M511.16%215.51M511.16%215.51M512.05%215.45M363.66%195.39M
Other liabilities 26.29%41.08M61.52%37.97M61.52%37.97M-45.18%24.34M59.55%36.24M117.57%32.53M70.66%23.51M70.66%23.51M195.62%44.39M73.37%22.71M
Total liabilities 57.40%3.88B3.43%2.46B3.43%2.46B3.56%2.48B4.52%2.41B9.94%2.46B7.40%2.38B7.40%2.38B8.44%2.39B5.05%2.3B
Shareholders'equity
Share capital 128.94%397.86M19.17%206.78M19.17%206.78M19.19%206.43M0.64%173.98M0.71%173.79M0.72%173.51M0.72%173.51M0.70%173.19M0.63%172.88M
-common stock 128.94%397.86M19.17%206.78M19.17%206.78M19.19%206.43M0.64%173.98M0.71%173.79M0.72%173.51M0.72%173.51M0.70%173.19M0.63%172.88M
-Preferred stock ------0--0--0--0--0--0--0--0--0
Retained earnings -5.15%73.32M24.04%91.41M24.04%91.41M23.17%86.77M21.63%81.84M20.72%77.29M7.76%73.7M7.76%73.7M10.65%70.44M12.65%67.28M
Gains losses not affecting retained earnings 0.00%-44.32M26.75%-37.78M26.75%-37.78M27.25%-45.45M32.21%-41.3M34.70%-44.32M28.16%-51.58M28.16%-51.58M20.91%-62.47M6.38%-60.92M
Total stockholders'equity 106.45%426.85M33.11%260.42M33.11%260.42M36.75%247.75M19.68%214.52M22.55%206.76M15.85%195.63M15.85%195.63M15.64%181.16M7.68%179.24M
Total equity 106.45%426.85M33.11%260.42M33.11%260.42M36.75%247.75M19.68%214.52M22.55%206.76M15.85%195.63M15.85%195.63M15.64%181.16M7.68%179.24M
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions --Unqualified Opinion--------Unqualified Opinion with Explanatory Notes------

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