ChoiceOne Financial Services Inc. logo

ChoiceOne Financial Services Inc.

COFS | NASDAQ
Chart Builder DCF Calculator
$32.96
-$0.38 (-1.14%)
At close: Sep 21, 2026, 4:00 PM ET
$32.80
-$0.16 (-0.49%)
Pre-market: Sep 22, 2026, 4:30 AM ET
TTM
Period Ending
Q1 2026
Mar 30, 2026
Q4 2025
Dec 30, 2025
Q3 2025
Sep 29, 2025
Q2 2025
Jun 29, 2025
Q1 2025
Mar 30, 2025
Q4 2024
Dec 30, 2024
Q3 2024
Sep 29, 2024
Q2 2024
Jun 29, 2024
Q1 2024
Mar 30, 2024
Q4 2023
Dec 30, 2023
Q3 2023
Sep 29, 2023
Q2 2023
Jun 29, 2023
Q1 2023
Mar 30, 2023
Q4 2022
Dec 30, 2022
Q3 2022
Sep 29, 2022
Q2 2022
Jun 29, 2022
Q1 2022
Mar 30, 2022
Q4 2021
Dec 30, 2021
Q3 2021
Sep 29, 2021
Q2 2021
Jun 29, 2021
Q1 2021
Mar 30, 2021
Net Income
55.79M 28.18M 21.47M 14.14M 7.19M 26.73M 24.86M 22.64M 21.26M 21.26M 22.65M 23.34M 23.75M 23.64M 21.97M 21.9M 21.33M 22.04M 21.13M 19.21M 18.6M
Depreciation & Amortization
21.17M 19.87M 17.71M 15.3M 12.9M 12.33M 12.25M 12.31M 12.38M 12.43M 12.51M 12.68M 13.11M 13.34M 13.67M 13.65M 13.18M 12.43M 11.24M 9.93M 9.02M
Stock-Based Compensation
991K 883K 803K 526K 615K 720K 805K 1.09M 1.07M 1.01M 973K 952K 967K 958K 942K 901K 824K 812K 771K 733K 614K
Other Working Capital
-20.59M -15.22M 183K -11.53M -2.63M 13.97M -21.53M 14.84M 21.85M 12.94M 31.48M 9.74M 3.66M 2M 4.27M 4.31M -1.37M 297K -3.29M 1.38M -4.18M
Other Non-Cash Items
-23.88M -1.78M -240K 2.71M 13.05M -4.84M -2.6M 1.3M -4.01M -1.18M 2.71M 1.28M 9.91M 5.1M -1.15M 1.51M 3.66M 1.2M 26.35M -1.35M -11.87M
Deferred Income Tax
4.63M -113K 1.86M -1.06M -4.26M -271K 4K 148K 25K -24K -46K -125K -11K -15K 459K 587K 666K 924K 2.09M 1.02M 989K
Change in Working Capital
-20.59M -15.22M 183K -11.53M -2.63M 13.97M -21.53M 14.84M 21.85M 12.94M 31.48M 9.74M 3.66M 2M 4.27M 4.31M -1.37M 297K -3.29M 1.38M -4.18M
Operating Cash Flow
38.11M 31.81M 41.79M 20.08M 26.86M 48.65M 13.79M 52.37M 52.63M 46.48M 70.32M 47.88M 51.38M 45.02M 40.16M 42.86M 38.29M 37.7M 58.3M 30.92M 13.18M
Capital Expenditures
-7.32M -6.63M -5.17M -3.82M -2.23M -1.71M -1.83M -2.82M -3.52M -4.23M -3.38M -2.68M -1.66M -1.16M -1.8M -2M -2.25M -2.76M -2.49M -2.39M -2.48M
Cash Acquisitions
-8K 173.07M 173.08M 173.08M 173.08M n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a n/a
Purchase of Investments
-121.85M -88.38M -91.64M -31.6M -17.7M -16.84M -4.72M -2.37M -1.36M -6.43M 7.96M -15.93M -39.74M -65.54M -202.14M -371.1M -490.08M -637.94M -706.77M -552.82M -524.94M
Sales Maturities Of Investments
52.36M 123.18M 132.33M 133.96M 134.89M 59.77M 59.83M 64.24M 57.35M 51.48M 47.83M 64.4M 102.64M 106.83M 136.64M 118.56M 85.26M 83.94M 50.97M 79.22M 174.01M
Other Investing Acitivies
-58.91M -94.56M -25.32M -106.51M -136.59M -139.13M -194.85M -169.52M -207.29M -222.18M -178.5M -150.42M -185.15M -130.62M -116M -125.02M 4.45M 35.38M 106.96M 162M 17.35M
Investing Cash Flow
-135.73M 106.69M 183.29M 165.11M 151.45M -97.91M -141.56M -110.47M -154.83M -181.37M -126.09M -104.63M -123.91M -90.5M -183.31M -379.56M -402.62M -521.37M -551.33M -313.99M -336.05M
Debt Repayment
47.29M -80.21M -157.32M -156.57M -217.54M n/a -119.89M -99.93M -24.96M n/a 180M 153M 85M n/a 710K 36.86M 29.02M 73.17M 21.62M -7.54M -19.7M
Common Stock Repurchased
-224K -842K -214K n/a -2.06M n/a n/a n/a n/a n/a -85K -85K -85K -767K -2.91M -5.57M -8.47M -7.79M -5.56M -2.9M n/a
Dividend Paid
-17.09M -16.95M -15.11M -13.32M -11.17M -9.01M -8.54M -8.08M -7.99M -7.91M -7.83M -7.74M -7.66M -7.58M -7.5M -7.53M -7.36M -7.2M -7.04M -6.69M -6.44M
Other Financial Acitivies
11.47M -50.15M -100.24M 6.9M 8.86M 66.83M 224.81M 190.07M 229.87M 154.05M -23.4M -52.12M -39.7M 65.71M 144.48M 257.84M 305.71M 377.79M 425.82M 328.6M 438.73M
Financial Cash Flow
42.42M -147.26M -272.04M -129.92M -189.02M 90.58M 129.04M 82.29M 197.15M 146.37M 148.95M 93.26M 37.74M 57.54M 134.86M 281.68M 318.98M 436.04M 434.93M 311.6M 412.73M
Net Cash Flow
-55.2M -8.76M -46.96M 55.28M -10.71M 41.32M 1.27M 24.19M 94.94M 11.49M 93.18M 36.51M -34.79M 12.06M -8.29M -55.02M -45.35M -47.63M -58.1M 28.53M 89.86M
Free Cash Flow
30.79M 25.19M 36.62M 16.26M 24.63M 46.94M 11.96M 49.55M 49.11M 42.25M 66.94M 45.2M 49.72M 43.85M 38.36M 40.86M 36.04M 34.94M 55.8M 28.54M 10.7M
Adj. Free Cash Flow
29.8M 24.3M 35.82M 15.73M 24.02M 46.22M 11.16M 48.46M 48.04M 41.24M 65.97M 44.25M 48.75M 42.9M 37.42M 39.96M 35.22M 34.13M 55.03M 27.8M 10.09M
Maintenance CapEx
-1.52M n/a n/a n/a n/a n/a n/a n/a n/a n/a 148K -32.5K -32.5K -532.81K -1.15M -1.7M -1.89M -1.39M -925.07K -193.07K n/a
Growth CapEx
-5.79M -6.63M -5.17M -3.82M -2.23M -1.71M -1.83M -2.82M -3.52M -4.23M -3.53M -2.64M -1.63M -631.19K -656.96K -300.46K -355.39K -1.37M -1.57M -2.19M -2.48M
Owner Earnings
36.59M 31.81M 41.79M 20.08M 26.86M 48.65M 13.79M 52.37M 52.63M 46.48M 70.47M 47.84M 51.35M 44.48M 39.01M 41.16M 36.4M 36.31M 57.37M 30.73M 13.18M

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