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Discontinued — last reported Q4 '25

Total debt at other companies

Ally Financial logo
Ally FinancialALLY
$22.76B+26.9%
Financial Institutions logo
Financial InstitutionsFISI
$224.64M+5.7%
Capital City Bank Group logo
Capital City Bank GroupCCBG
$60.31M-8.3%
STB
S&T BancorpSTBA
$100.79M-30.9%
JPMorgan Chase logo
JPMorgan ChaseJPM
Huntington Bancshares logo
Huntington BancsharesHBAN

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 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×

Where this comes from

Computed from long term debt + current portion long term debt + short term borrowings + operating lease liabilities + finance lease liabilities + financing obligations: $2.85M.

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 total debt?
ChoiceOne Financial (COFS) reported total debt of $2.85M in Q4 2025.
What is the long-term trend for ChoiceOne Financial's total debt?
Over 2 years (2023 to 2025), ChoiceOne Financial's total debt has grown at a 100.6% compound annual growth rate (CAGR), from $709K to $2.85M.
What does total debt mean?
Total debt represents the aggregate sum of all interest-bearing financial obligations, including short-term borrowings, the current portion of long-term debt, and long-term debt instruments. It also encompasses capitalized lease liabilities and other debt-like financing arrangements that require fixed repayment schedules. This metric serves as a comprehensive indicator of a company's total financial leverage and its reliance on external capital providers.