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ChoiceOne Financial COFS Free cash flow

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Other financials

Income statement

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Revenue$42.5M+35.9%
Net income$13.7M+199%
EPS (diluted)$0.91+171%

Balance sheet

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Cash & equivalents$84.2M-39.6%
Total debt$2.9M+360%
Total equity$470.0M+10.1%
Total assets$4.4B+2.1%

Cash flow

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Operating cash flow-$177.0K+98.1%
CapEx$1.5M+82.5%

Valuation

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Market cap$490.73M+17.4%
P/E8.8×-49.4×
P/S2.8×-1.2×

Profitability

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Net margin32.3%+25.3pp
FCF margin19.5%—

Returns & leverage

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Return on equity12.4%+10.2pp
Debt / equity0×0.0×

Where this comes from

Calculated from ChoiceOne Financial’s reported figures.

−$177.0Knet cash from operating−$1.5Mcapital expenditures=-$1.7M

The official record: ChoiceOne Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's free cash flow?
ChoiceOne Financial (COFS) reported free cash flow of -$1.7M in Q1 2026.
How has ChoiceOne Financial's free cash flow changed year-over-year?
ChoiceOne Financial's free cash flow increased by 83.4% year-over-year, from -$10.23M to -$1.7M.
What is the long-term trend for ChoiceOne Financial's free cash flow?
Over 2 years (2021 to 2025), ChoiceOne Financial's free cash flow has grown at a -15.1% compound annual growth rate (CAGR), from $34.94M to $25.19M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.