Choiceone Financial Services annual net debt
2019
2022
2023
2024
2025
Choiceone Financial Services Net Debt Growth & History (COFS)
Choiceone Financial Services's net debt was −$85.1M for fiscal 2025.
View full Choiceone Financial Services company overviewChoiceone Financial Services annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | −$85.1M | $11.0M | — |
| 2024 | 2024-12-31 | −$96.1M | −$41.4M | — |
| 2023 | 2023-12-31 | −$54.7M | −$96.0M | — |
| 2022 | 2022-12-31 | $41.3M | — | — |
| 2019 | 2019-12-31 | −$59.1M | — | — |
Choiceone Financial Services quarterly net debt
Q4.19
Q4.23
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $254.8M | $164.4M | +181.83% |
| Q1 2026 | 2026-03-31 | $149.3M | $103.2M | +223.97% |
| Q4 2025 | 2025-12-31 | −$85.1M | $11.0M | — |
| Q3 2025 | 2025-09-30 | $147.4M | — | — |
| Q2 2025 | 2025-06-30 | $90.4M | — | — |
| Q1 2025 | 2025-03-31 | $46.1M | — | — |
| Q4 2024 | 2024-12-31 | −$96.1M | −$41.4M | — |
| Q4 2023 | 2023-12-31 | −$54.7M | — | — |
| Q4 2019 | 2019-12-31 | −$59.1M | — | — |
Choiceone Financial Services net debt trends
Between the periods ended 2019-12-31 and 2025-12-31, Choiceone Financial Services's net debt decreased from −$59.1M to −$85.1M, a change of −$26.1M. The latest reported quarter, Q2 2026, shows $254.8M.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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