Choiceone Financial Services annual free cash flow
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2025
Choiceone Financial Services Free Cash Flow (FCF) History (COFS)
Choiceone Financial Services reported $25.2M in free cash flow for fiscal 2025, a decrease of 44.49% from the previous fiscal year, with a free cash flow margin of 132.61%.
View full Choiceone Financial Services company overviewChoiceone Financial Services free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $25.2M | −$20.2M | −44.49% | +132.61% |
| 2024 | 2024-12-31 | $45.4M | $3.3M | +7.78% | +355.02% |
| 2023 | 2023-12-31 | $42.1M | −$1.1M | −2.47% | +36.97% |
| 2022 | 2022-12-31 | $43.2M | $8.2M | +23.53% | +48.43% |
| 2021 | 2021-12-31 | $34.9M | $28.3M | +427.32% | +43.77% |
| 2020 | 2020-12-31 | $6.6M | −$1.8M | −21.46% | +8.98% |
| 2019 | 2019-12-31 | $8.4M | $2.7M | +46.76% | +22.84% |
| 2018 | 2018-12-31 | $5.7M | −$686,000 | −10.66% | +19.83% |
| 2017 | 2017-12-31 | $6.4M | −$2.7M | −29.36% | +22.68% |
| 2016 | 2016-12-31 | $9.1M | $6.2M | +209.80% | +33.46% |
| 2015 | 2015-12-31 | $2.9M | −$3.7M | −56.03% | +11.28% |
| 2014 | 2014-12-31 | $6.7M | −$2.9M | −30.07% | +27.11% |
| 2013 | 2013-12-31 | $9.6M | $842,000 | +9.65% | +40.11% |
| 2012 | 2012-12-31 | $8.7M | −$3.3M | −27.60% | +35.50% |
| 2011 | 2011-12-31 | $12.0M | $4.3M | +56.14% | +50.06% |
| 2010 | 2010-12-31 | $7.7M | −$704,000 | −8.36% | +34.19% |
| 2009 | 2009-12-31 | $8.4M | — | — | +39.31% |
Choiceone Financial Services quarterly free cash flow
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| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $27.1M | $17.3M | +176.73% | +499.65% |
| Q1 2026 | 2026-03-31 | −$1.7M | $8.5M | — | −34.14% |
| Q4 2025 | 2025-12-31 | $11.9M | −$10.8M | −47.57% | +227.55% |
| Q3 2025 | 2025-09-30 | $13.7M | $21.3M | — | +259.11% |
| Q2 2025 | 2025-06-30 | $9.8M | −$5.4M | −35.72% | +203.49% |
| Q1 2025 | 2025-03-31 | −$10.2M | −$25.2M | — | −279.99% |
| Q4 2024 | 2024-12-31 | $22.7M | $34.5M | — | +689.77% |
| Q3 2024 | 2024-09-30 | −$7.6M | −$38.5M | — | −227.07% |
| Q2 2024 | 2024-06-30 | $15.3M | $446,000 | +3.01% | +481.17% |
| Q1 2024 | 2024-03-31 | $15.0M | $6.9M | +84.22% | +506.00% |
| Q4 2023 | 2023-12-31 | −$11.8M | −$24.0M | — | −11.18% |
| Q3 2023 | 2023-09-30 | $30.9M | $21.7M | +236.73% | +1053.30% |
| Q2 2023 | 2023-06-30 | $14.8M | −$4.5M | −23.39% | +529.96% |
| Q1 2023 | 2023-03-31 | $8.1M | $5.9M | +257.82% | +292.53% |
| Q4 2022 | 2022-12-31 | $12.2M | $4.7M | +61.51% | +15.17% |
| Q3 2022 | 2022-09-30 | $9.2M | −$2.5M | −21.41% | +316.36% |
| Q2 2022 | 2022-06-30 | $19.3M | $4.8M | +33.19% | +669.45% |
| Q1 2022 | 2022-03-31 | $2.3M | $1.1M | +94.20% | +83.68% |
| Q4 2021 | 2021-12-31 | $7.6M | −$20.9M | −73.37% | +10.53% |
| Q3 2021 | 2021-09-30 | $11.7M | $27.3M | — | +425.25% |
| Q2 2021 | 2021-06-30 | $14.5M | $17.8M | — | +532.90% |
| Q1 2021 | 2021-03-31 | $1.2M | $4.1M | — | +46.97% |
| Q4 2020 | 2020-12-31 | $28.4M | $25.0M | +718.72% | +42.34% |
| Q3 2020 | 2020-09-30 | −$15.6M | −$18.4M | — | −625.74% |
| Q2 2020 | 2020-06-30 | −$3.3M | −$4.9M | — | −180.55% |
| Q1 2020 | 2020-03-31 | −$2.9M | −$3.1M | — | −127.27% |
| Q4 2019 | 2019-12-31 | $3.5M | $1.9M | +122.63% | +10.43% |
| Q3 2019 | 2019-09-30 | $2.8M | $2.2M | +382.11% | +231.40% |
| Q2 2019 | 2019-06-30 | $1.6M | −$968,000 | −38.17% | +124.44% |
| Q1 2019 | 2019-03-31 | $243,000 | −$822,000 | −77.18% | +21.20% |
| Q4 2018 | 2018-12-31 | $1.6M | $383,000 | +32.54% | +6.17% |
| Q3 2018 | 2018-09-30 | $587,000 | −$1.5M | −72.06% | +45.50% |
| Q2 2018 | 2018-06-30 | $2.5M | $1.3M | +106.51% | +207.19% |
| Q1 2018 | 2018-03-31 | $1.1M | −$863,000 | −44.76% | +91.03% |
| Q4 2017 | 2017-12-31 | $1.2M | −$862,000 | −42.28% | +15.60% |
| Q3 2017 | 2017-09-30 | $2.1M | $1.2M | +129.37% | +29.09% |
| Q2 2017 | 2017-06-30 | $1.2M | $194,000 | +18.76% | +17.50% |
| Q1 2017 | 2017-03-31 | $1.9M | −$3.2M | −62.34% | +29.27% |
| Q4 2016 | 2016-12-31 | $2.0M | $3.1M | — | +29.71% |
| Q3 2016 | 2016-09-30 | $916,000 | −$332,000 | −26.60% | +13.09% |
| Q2 2016 | 2016-06-30 | $1.0M | $476,000 | +85.30% | +15.11% |
| Q1 2016 | 2016-03-31 | $5.1M | $2.9M | +133.96% | +78.48% |
| Q4 2015 | 2015-12-31 | −$1.1M | −$2.8M | — | −16.82% |
| Q3 2015 | 2015-09-30 | $1.2M | $371,000 | +42.30% | +18.95% |
| Q2 2015 | 2015-06-30 | $558,000 | −$1.5M | −72.97% | +8.68% |
| Q1 2015 | 2015-03-31 | $2.2M | $233,000 | +11.92% | +32.25% |
| Q4 2014 | 2014-12-31 | $1.8M | −$620,000 | −25.72% | +27.88% |
| Q3 2014 | 2014-09-30 | $877,000 | −$1.3M | −60.14% | +13.77% |
| Q2 2014 | 2014-06-30 | $2.1M | −$2.4M | −54.09% | +34.22% |
| Q1 2014 | 2014-03-31 | $2.0M | $1.5M | +328.73% | +33.48% |
| Q4 2013 | 2013-12-31 | $2.4M | $1.3M | +123.65% | +40.36% |
| Q3 2013 | 2013-09-30 | $2.2M | $560,000 | +34.15% | +38.83% |
| Q2 2013 | 2013-06-30 | $4.5M | $1.5M | +49.82% | +73.95% |
| Q1 2013 | 2013-03-31 | $456,000 | −$2.5M | −84.81% | +7.45% |
| Q4 2012 | 2012-12-31 | $1.1M | −$1.8M | −63.01% | +17.14% |
| Q3 2012 | 2012-09-30 | $1.6M | −$651,000 | −28.42% | +26.62% |
| Q2 2012 | 2012-06-30 | $3.0M | −$1.3M | −30.68% | +49.99% |
| Q1 2012 | 2012-03-31 | $3.0M | $490,000 | +19.51% | +49.12% |
| Q4 2011 | 2011-12-31 | $2.9M | $744,000 | +34.29% | +47.07% |
| Q3 2011 | 2011-09-30 | $2.3M | — | — | +38.00% |
| Q2 2011 | 2011-06-30 | $4.3M | — | — | +71.01% |
| Q1 2011 | 2011-03-31 | $2.5M | — | — | +43.72% |
| Q3 2010 | 2010-09-30 | $2.2M | — | — | +37.71% |
Choiceone Financial Services free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $6.6M to $25.2M, a compound annual growth rate of 30.61%. Choiceone Financial Services's latest reported quarter, Q2 2026, generated $27.1M in free cash flow, an increase of 176.73% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Choiceone Financial Services filings at SEC.gov ↗