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ChoiceOne Financial COFS Accounts Receivable

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Other financials

Income statement

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Revenue$41.6M-2.8%
Net income$12.5M-7.9%
EPS (diluted)$0.83-7.8%

Balance sheet

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Cash & equivalents$88.6M-43.3%
Total debt$2.9M+360%
Total equity$482.7M+11.8%
Total assets$4.5B+3.4%

Cash flow

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Operating cash flow$29.9M+152%
CapEx$2.8M+35.6%
Free cash flow$27.1M+177%

Valuation

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Market cap$508.32M+16.9%
P/E9.3×-21.5×
P/S-0.6×

Profitability

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Net margin31.9%+20.4pp
FCF margin29.7%

Returns & leverage

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Return on equity12%+7.6pp
Debt / equity0.0×

Where this comes from

Reported directly by ChoiceOne Financial in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableGross.

The source filing: ChoiceOne Financial’s 10-K, filed March 13, 2026.

Filed
Mar 13, 2026, 7:31 AM EDT
Fiscal year
FY2025
Accession
0001193125-26-105046
(Dollars in thousands)December 31, 2025December 31, 2024
Loans held for sale7,1857,288
Mortgage warehouse advances (Note 3)58,98739,878
Core Loans (Note 3)2,963,0471,505,762
Total loans held for investment (Note 3)3,022,0341,545,640
Allowance for loan losses (Note 3)(35,550)(16,552)
Loans, net2,986,4841,529,088
Premises and equipment, net (Note 5)48,11027,099
Other real estate owned, net (Note 7)2,524473

Item 8. Financial Statements and Supplementary Data

FAQ

What is ChoiceOne Financial's accounts receivable?
ChoiceOne Financial (COFS) reported accounts receivable of $3.02B in Q4 2025.
What is the long-term trend for ChoiceOne Financial's accounts receivable?
Over 3 years (2022 to 2025), ChoiceOne Financial's accounts receivable has grown at a 36.4% compound annual growth rate (CAGR), from $1.19B to $3.02B.
What does accounts receivable mean?
Amounts owed by customers for goods delivered or services performed, net of allowances for doubtful accounts. A key working capital component.

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