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ChoiceOne Financial COFS Cash surrender value of life insurance policies

Cash surrender value of life insurance policies at other companies

SMB
SmartFinancialSMBK
$120.44M+3.1%
Trico Bancshares logo
Trico BancsharesTCBK
$138.07M+2.5%

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:CashSurrenderValueOfLifeInsurance.

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 cash surrender value of life insurance policies?
ChoiceOne Financial (COFS) reported cash surrender value of life insurance policies of $86.31M in Q1 2026.
How has ChoiceOne Financial's cash surrender value of life insurance policies changed year-over-year?
ChoiceOne Financial's cash surrender value of life insurance policies increased by 17.0% year-over-year, from $73.77M to $86.31M.
What is the long-term trend for ChoiceOne Financial's cash surrender value of life insurance policies?
Over 5 years (2020 to 2025), ChoiceOne Financial's cash surrender value of life insurance policies has grown at a 18.0% compound annual growth rate (CAGR), from $32.75M to $74.8M.
What does cash surrender value of life insurance policies mean?
This represents the cash value the bank would receive if it were to cancel life insurance policies held on key employees or executives. It functions as a stable, low-risk asset that provides tax-advantaged growth and liquidity for the institution.