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ChoiceOne Financial COFS Proceeds From Life Insurance Policies

Proceeds From Life Insurance Policies at other companies

Civista Bancshares logo
Civista BancsharesCIVB
$272K-86.9%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$0-100%
Provident Financial Services logo
Provident Financial ServicesPFS
$0-100%
Farmers National Banc Corp logo
Farmers National Banc CorpFMNB
$562K—
CTB
Community Trust BancorpCTBI
$542K—
Independent Bank Corp logo
Independent Bank CorpINDB
$1.07M—

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%
Free cash flow-$1.7M+83.4%

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

Reported directly by ChoiceOne Financial in its filing.

Tagged under the XBRL concept us-gaap:ProceedsFromLifeInsurancePolicies.

The official record: ChoiceOne Financial’s 10-K, filed March 13, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's proceeds from life insurance policies?
ChoiceOne Financial (COFS) reported proceeds from life insurance policies of $235K in Q4 2025.
How has ChoiceOne Financial's proceeds from life insurance policies changed year-over-year?
ChoiceOne Financial's proceeds from life insurance policies decreased by 85.5% year-over-year, from $1.62M to $235K.
What does proceeds from life insurance policies mean?
Refers to cash received from life insurance policies, typically Bank Owned Life Insurance (BOLI), upon the death of an insured individual or policy surrender. It serves as a non-interest income stream that helps offset employee benefit costs and provides liquidity.