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    CHOICEONE FINANCIAL SERVICES INC

    Company overview

    Market capitalization
    $492.78M
    Employees
    561
    Latest publication
    2026-09-29
    About CHOICEONE FINANCIAL SERVICES INC

    ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USDQ1 20242024-03-31 · USD
    Total Revenue59,090,000USD60,473,000USD61,842,000USD60,428,000USD36,032,000USD36,557,000USD34,027,000USD32,483,000USD
    Cost Of Revenue16,633,000USD18,336,000USD17,301,000USD18,253,000USD11,889,000USD11,867,000USD11,573,000USD11,958,000USD
    Gross Profit42,457,000USD42,137,000USD44,541,000USD42,175,000USD24,143,000USD24,690,000USD22,454,000USD20,525,000USD
    Selling General Administrative982,000USD15,034,000USD14,657,000USD14,281,000USD9,121,000USD8,762,000USD8,654,000USD8,206,000USD
    Selling And Marketing Expenses264,000USD258,000USD207,000USD260,000USD271,000USD168,000USD199,000USD150,000USD
    Unclassified Operating Expenses24,530,000USD10,057,000USD11,351,000USD10,965,000USD5,952,000USD6,487,000USD5,425,000USD5,328,000USD
    Total Operating Expenses25,776,000USD25,349,000USD26,215,000USD25,506,000USD15,344,000USD15,417,000USD14,278,000USD13,684,000USD
    Operating Income16,681,000USD16,788,000USD18,326,000USD16,669,000USD8,799,000USD9,273,000USD8,176,000USD6,841,000USD
    Interest Income53,275,000USD54,376,000USD54,698,000USD53,925,000USD31,038,000USD31,690,000USD29,944,000USD28,432,000USD
    Interest Expense16,633,000USD17,536,000USD17,101,000USD17,603,000USD11,689,000USD11,442,000USD11,573,000USD11,958,000USD
    Net Interest Income36,642,000USD36,840,000USD37,597,000USD36,322,000USD19,349,000USD20,248,000USD18,371,000USD16,474,000USD
    Income Before Tax16,681,000USD16,788,000USD18,326,000USD16,669,000USD8,799,000USD9,273,000USD8,176,000USD6,841,000USD
    Income Tax Expense2,977,000USD2,921,000USD3,645,000USD3,135,000USD1,640,000USD1,925,000USD1,590,000USD1,207,000USD
    Tax Provision2,977,000USD2,921,000USD3,645,000USD3,135,000USD1,640,000USD1,925,000USD1,590,000USD1,207,000USD
    Net Income13,704,000USD13,867,000USD14,681,000USD13,534,000USD7,159,000USD7,348,000USD6,586,000USD5,634,000USD
    Net Income From Continuing Ops13,704,000USD13,867,000USD14,681,000USD13,534,000USD7,159,000USD7,348,000USD6,586,000USD5,634,000USD
    Ebit16,681,000USD16,788,000USD18,326,000USD16,669,000USD8,799,000USD9,273,000USD8,176,000USD6,841,000USD
    Ebitda21,610,000USD22,107,000USD23,830,000USD22,082,000USD11,962,000USD12,361,000USD11,195,000USD9,904,000USD
    Depreciation And Amortization4,929,000USD5,319,000USD5,504,000USD5,413,000USD3,163,000USD3,088,000USD3,019,000USD3,063,000USD
    Reconciled Depreciation4,929,000USD5,319,000USD5,504,000USD5,413,000USD3,163,000USD3,088,000USD3,019,000USD3,063,000USD
    Total Other Income Expense Net———-166,000USD8,799,000USD-645,000USD8,176,000USD6,841,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Revenue192,886,000USD139,099,000USD113,886,000USD89,132,000USD83,812,000USD78,413,000USD41,641,000USD31,445,000USD
    Cost Of Revenue80,701,000USD47,287,000USD33,245,000USD7,996,000USD4,393,000USD8,644,000USD4,700,000USD2,496,000USD
    Gross Profit112,185,000USD91,812,000USD80,641,000USD81,136,000USD79,419,000USD69,769,000USD36,941,000USD28,949,000USD
    Selling General Administrative62,051,000USD34,743,000USD33,147,000USD31,113,000USD30,104,000USD26,989,000USD14,401,000USD11,182,000USD
    Selling And Marketing Expenses981,000USD788,000USD721,000USD764,000USD848,000USD588,000USD528,000USD308,000USD
    Unclassified Operating Expenses14,965,000USD23,192,000USD21,206,000USD21,601,000USD21,969,000USD23,307,000USD13,547,000USD8,971,000USD
    Total Operating Expenses77,997,000USD58,723,000USD55,074,000USD53,478,000USD52,921,000USD50,884,000USD28,476,000USD20,461,000USD
    Operating Income34,188,000USD33,089,000USD25,567,000USD27,658,000USD26,498,000USD18,885,000USD8,465,000USD8,488,000USD
    Interest Income202,958,000USD121,104,000USD98,980,000USD75,060,000USD64,618,000USD55,715,000USD32,473,000USD24,525,000USD
    Interest Expense65,888,000USD46,662,000USD33,095,000USD7,746,000USD3,977,000USD4,644,000USD4,700,000USD2,461,000USD
    Net Interest Income137,070,000USD74,442,000USD65,885,000USD67,314,000USD60,641,000USD51,071,000USD27,773,000USD22,064,000USD
    Income Before Tax34,188,000USD33,089,000USD25,567,000USD27,658,000USD26,498,000USD18,885,000USD8,465,000USD8,488,000USD
    Income Tax Expense6,012,000USD6,362,000USD4,306,000USD4,018,000USD4,456,000USD3,272,000USD1,294,000USD1,155,000USD
    Tax Provision6,012,000USD6,362,000USD4,306,000USD4,018,000USD4,456,000USD3,272,000USD1,294,000USD1,155,000USD
    Net Income28,176,000USD26,727,000USD21,261,000USD23,640,000USD22,042,000USD15,613,000USD7,171,000USD7,333,000USD
    Net Income From Continuing Ops28,176,000USD26,727,000USD21,261,000USD23,640,000USD22,042,000USD15,613,000USD7,171,000USD7,333,000USD
    Ebit34,188,000USD33,089,000USD25,567,000USD27,658,000USD26,498,000USD18,885,000USD8,465,000USD8,488,000USD
    Ebitda54,058,000USD45,422,000USD37,997,000USD41,000,000USD38,923,000USD26,591,000USD11,592,000USD10,564,000USD
    Depreciation And Amortization19,870,000USD12,333,000USD12,430,000USD13,342,000USD12,425,000USD7,706,000USD3,127,000USD2,076,000USD
    Reconciled Depreciation19,870,000USD12,333,000USD12,430,000USD1,153,000USD1,307,000USD1,498,000USD3,127,000USD2,076,000USD
    Total Other Income Expense Net-17,369,000USD-1,039,000USD-6,746,000USD-7,746,000USD26,498,000USD18,885,000USD8,465,000USD-2,461,000USD
    Net Income Applicable To Common Shares———23,640,000USD22,042,000USD15,613,000USD7,171,000USD7,333,000USD
    Research Development———————0USD
    Non Operating Income Net Other———————0USD
    Minority Interest———————0USD
    Discontinued Operations———————0USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Total Assets4,394,565,000USD4,410,551,000USD4,296,902,000USD4,310,252,000USD4,305,176,000USD2,723,243,000USD2,726,003,000USD2,623,067,000USD
    Intangible Assets29,464,000USD27,987,000USD31,694,000USD33,421,000USD35,153,000USD1,096,000USD1,250,000USD1,448,000USD
    Other Current Assets-2,300,000USD-11,000,000USD————145,938,000USD101,274,000USD
    Total Liab3,924,564,000USD3,945,198,000USD3,847,287,000USD3,878,491,000USD3,878,323,000USD2,462,828,000USD2,478,257,000USD2,408,548,000USD
    Total Stockholder Equity470,001,000USD465,353,000USD449,615,000USD431,761,000USD427,068,000USD260,415,000USD247,746,000USD214,519,000USD
    Common Stock397,498,000USD398,386,000USD398,688,000USD398,201,000USD397,860,000USD206,780,000USD206,427,000USD173,984,000USD
    Capital Stock397,498,000USD398,386,000USD398,688,000USD398,201,000USD398,075,000USD206,780,000USD206,427,000USD173,984,000USD
    Retained Earnings112,008,000USD102,641,000USD93,124,000USD82,647,000USD73,316,000USD91,414,000USD86,765,000USD81,836,000USD
    Good Will129,854,000USD129,854,000USD126,730,000USD126,730,000USD126,515,000USD59,946,000USD59,946,000USD59,946,000USD
    Other Assets3,528,828,000USD3,559,030,000USD3,449,318,000USD3,468,728,000USD3,481,469,000USD2,059,584,000USD1,994,532,000USD—
    Cash83,868,000USD87,988,000USD98,978,000USD156,280,000USD139,421,000USD96,401,000USD145,938,000USD101,002,000USD
    Cash And Short Term Investments83,868,000USD222,265,000USD107,632,000USD166,431,000USD155,085,000USD575,518,000USD643,140,000USD592,672,000USD
    Total Current Assets86,168,000USD222,265,000USD107,632,000USD166,431,000USD155,085,000USD575,518,000USD643,140,000USD592,672,000USD
    Total Current Liabilities165,000,000USD3,845,025,000USD3,617,031,000USD3,616,324,000USD3,739,059,000USD2,369,103,000USD2,398,228,000USD2,316,679,000USD
    Net Debt149,503,000USD225,472,000USD147,390,000USD90,425,000USD46,095,000USD114,001,000USD100,103,000USD144,628,000USD
    Short Term Debt165,000,000USD245,000,000USD50,000,000USD23,700,000USD87,330,000USD155,000,000USD190,000,000USD190,000,000USD
    Short Long Term Debt185,000,000USD245,000,000USD50,000,000USD23,700,000USD87,330,000USD155,000,000USD190,000,000USD190,000,000USD
    Short Long Term Debt Total233,371,000USD313,460,000USD246,368,000USD246,705,000USD185,516,000USD210,752,000USD245,691,000USD245,630,000USD
    Long Term Debt48,552,000USD68,460,000USD196,368,000USD223,005,000USD98,186,000USD55,752,000USD55,691,000USD55,630,000USD
    Long Term Investments967,295,000USD948,966,000USD942,045,000USD879,465,000USD884,412,000USD881,433,000USD897,322,000USD891,871,000USD
    Short Term Investments573,531,000USD134,277,000USD8,654,000USD10,151,000USD15,664,000USD479,117,000USD497,552,000USD491,670,000USD
    Net Receivables2,300,000USD11,000,000USD——————
    Property Plant Equipment Net48,670,000USD48,110,000USD46,159,000USD45,667,000USD44,284,000USD27,099,000USD27,135,000USD27,370,000USD
    Accumulated Other Comprehensive Income-39,505,000USD-35,674,000USD-42,197,000USD-49,087,000USD-44,323,000USD-37,779,000USD-45,446,000USD-41,301,000USD
    Common Stock Shares Outstanding15,065,937shares15,065,937shares15,135,000shares15,035,000shares10,740,000shares8,544,186shares8,544,186shares7,604,963shares
    Non Current Assets Total4,308,397,000USD4,188,286,000USD4,189,270,000USD4,143,821,000USD4,150,306,000USD88,141,000USD88,331,000USD2,030,395,000USD
    Non Current Liabilities Total3,759,564,000USD100,173,000USD230,256,000USD262,167,000USD139,264,000USD93,725,000USD80,029,000USD91,869,000USD
    Non Currrent Assets Other139,877,000USD173,977,000USD169,799,000USD175,056,000USD146,495,000USD-1,959,596,000USD-1,893,224,000USD114,109,000USD
    Unclassified Current Assets-573,531,000USD-11,000,000USD————-146,288,000USD-101,274,000USD
    Unclassified Non Current Assets-535,591,000USD-699,638,000USD-576,475,000USD-585,246,000USD-568,022,000USD-2,941,017,000USD-2,891,854,000USD935,651,000USD
    Unclassified Current Liabilities-185,000,000USD-245,000,000USD-50,000,000USD—-87,330,000USD-155,000,000USD-190,000,000USD-190,000,000USD
    Unclassified Non Current Liabilities3,711,012,000USD31,713,000USD33,888,000USD39,162,000USD41,078,000USD37,973,000USD24,338,000USD36,239,000USD
    Unclassified Equity-397,498,000USD-398,386,000USD-398,688,000USD-398,201,000USD-397,860,000USD-206,780,000USD-206,427,000USD-173,984,000USD
    Other Current Liab—3,600,025,000USD3,567,031,000USD3,592,624,000USD3,651,729,000USD2,214,103,000USD2,208,228,000USD2,126,679,000USD
    Property Plant Equipment Gross—80,437,000USD———49,324,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets4,410,551,000USD2,723,243,000USD2,576,706,000USD2,385,915,000USD2,366,682,000USD1,919,342,000USD1,386,128,000USD670,544,000USD
    Intangible Assets27,987,000USD1,096,000USD1,854,000USD2,809,000USD3,962,000USD5,269,000USD6,006,000USD1,049,000USD
    Other Current Assets-11,000,000USD350,000USD55,555,000USD43,943,000USD32,081,000USD79,785,000USD60,487,000USD285,196,000USD
    Total Liab3,945,198,000USD2,462,828,000USD2,381,072,000USD2,217,041,000USD2,145,013,000USD1,692,074,000USD1,193,989,000USD590,067,000USD
    Total Stockholder Equity465,353,000USD260,415,000USD195,634,000USD168,874,000USD221,669,000USD227,268,000USD192,139,000USD80,477,000USD
    Other Current Liab3,600,025,000USD2,214,103,000USD2,122,055,000USD2,118,003,000USD2,052,294,000USD1,674,578,000USD1,154,602,000USD577,015,000USD
    Common Stock398,386,000USD206,780,000USD173,513,000USD172,277,000USD171,913,000USD178,750,000USD162,610,000USD54,523,000USD
    Capital Stock398,386,000USD206,780,000USD173,513,000USD172,277,000USD171,913,000USD178,750,000USD162,610,000USD54,523,000USD
    Retained Earnings102,641,000USD91,414,000USD73,699,000USD68,394,000USD52,332,000USD37,490,000USD28,051,000USD26,686,000USD
    Good Will129,854,000USD59,946,000USD59,946,000USD59,946,000USD59,946,000USD60,506,000USD52,870,000USD13,728,000USD
    Other Assets3,559,030,000USD2,059,584,000USD—1USD1,124,549,000USD1,919,342,000USD557,128,000USD285,196,000USD
    Cash87,988,000USD96,401,000USD55,433,000USD43,943,000USD31,887,000USD79,519,000USD59,558,000USD19,690,000USD
    Cash And Short Term Investments222,265,000USD575,518,000USD570,031,000USD573,692,000USD1,130,772,000USD654,306,000USD399,137,000USD186,292,000USD
    Total Current Assets222,265,000USD575,868,000USD570,031,000USD573,692,000USD1,130,772,000USD654,306,000USD399,137,000USD186,292,000USD
    Total Current Liabilities3,845,025,000USD2,369,103,000USD2,142,055,000USD2,168,003,000USD2,102,294,000USD1,674,578,000USD1,187,602,000USD581,815,000USD
    Net Debt225,472,000USD114,001,000USD180,074,000USD41,319,000USD53,130,000USD-67,102,000USD-26,360,000USD-9,657,000USD
    Short Term Debt245,000,000USD155,000,000USD20,000,000USD50,000,000USD50,000,000USD3,372,000USD33,000,000USD4,800,000USD
    Short Long Term Debt245,000,000USD155,000,000USD30,000,000USD50,000,000USD50,000,000USD—37,000USD36,000USD
    Short Long Term Debt Total313,460,000USD210,752,000USD235,507,000USD85,262,000USD85,017,000USD12,417,000USD33,198,000USD10,033,000USD
    Long Term Debt68,460,000USD55,752,000USD205,507,000USD85,262,000USD85,017,000USD12,417,000USD33,198,000USD5,233,000USD
    Long Term Investments948,966,000USD881,433,000USD930,062,000USD972,803,000USD1,116,264,000USD585,714,000USD342,430,000USD169,449,000USD
    Short Term Investments134,277,000USD479,117,000USD514,598,000USD529,749,000USD1,098,885,000USD574,787,000USD339,579,000USD166,602,000USD
    Net Receivables11,000,000USD———————
    Property Plant Equipment Net48,110,000USD27,099,000USD29,750,000USD28,232,000USD29,880,000USD29,489,000USD24,265,000USD15,879,000USD
    Property Plant Equipment Gross80,437,000USD49,324,000USD50,689,000USD46,439,000USD46,193,000USD29,489,000USD24,265,000USD15,879,000USD
    Accumulated Other Comprehensive Income-35,674,000USD-37,779,000USD-51,578,000USD-71,797,000USD-2,576,000USD11,028,000USD1,478,000USD-55,255,000USD
    Common Stock Shares Outstanding13,992,099shares8,221,000shares7,572,000shares7,527,000shares7,703,000shares7,531,617shares4,539,275shares3,628,127shares
    Non Current Assets Total4,188,286,000USD2,147,375,000USD2,006,675,000USD1,812,223,000USD1,235,910,000USD1,265,036,000USD986,991,000USD484,252,000USD
    Non Current Liabilities Total100,173,000USD93,725,000USD239,017,000USD49,038,000USD42,719,000USD17,496,000USD6,387,000USD8,252,000USD
    Non Currrent Assets Other173,977,000USD120,542,000USD99,983,000USD99,767,000USD72,487,000USD56,671,000USD48,865,000USD25,923,000USD
    Unclassified Current Assets-11,000,000USD—-55,555,000USD-43,943,000USD-32,275,000USD-80,051,000USD-413,649,000USD-459,145,000USD
    Unclassified Non Current Assets-699,638,000USD-1,002,325,000USD885,080,000USD648,665,999USD-1,171,178,000USD-1,391,955,000USD-44,573,000USD-26,972,000USD
    Unclassified Current Liabilities-245,000,000USD-155,000,000USD-30,000,000USD-2,168,003,000USD-2,102,294,000USD-1,677,983,000USD-1,154,639,000USD-577,051,000USD
    Unclassified Non Current Liabilities31,713,000USD37,973,000USD33,510,000USD-100,000,000USD-107,702,000USD-14,853,000USD-71,900,000USD-8,252,000USD
    Unclassified Equity-398,386,000USD-206,780,000USD-173,513,000USD-172,277,000USD-171,913,000USD-178,750,000USD-162,610,000USD—
    Accounts Payable———2,118,003,000USD2,052,294,000USD1,674,611,000USD1,154,602,000USD577,015,000USD
    Non Current Liabilities Other———63,776,000USD57,702,000USD14,407,000USD39,387,000USD8,252,000USD
    Net Tangible Assets———106,119,000USD157,761,000USD161,517,000USD133,263,000USD66,749,000USD
    Other Liab————7,702,000USD5,525,000USD5,702,000USD3,019,000USD
    Inventory————194,000USD266,000USD929,000USD102,000USD
    Earning Assets——————352,233,000USD173,847,000USD
    Deferred Long Term Liab———————0USD
    Accumulated Depreciation———————0USD
    Additional Paid In Capital———————0USD
    Treasury Stock———————0USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income13,704,000USD13,867,000USD14,681,000USD13,534,000USD-13,906,000USD7,159,000USD7,348,000USD6,586,000USD
    Depreciation4,929,000USD5,319,000USD5,504,000USD5,413,000USD3,634,000USD3,163,000USD3,088,000USD3,019,000USD
    Stock Based Compensation298,000USD259,000USD242,000USD192,000USD190,000USD179,000USD-35,000USD281,000USD
    Other Non Cash Items-6,273,000USD-3,599,000USD-3,322,000USD-10,683,000USD15,821,000USD-2,056,000USD-370,000USD-346,000USD
    Change In Working Capital-13,888,000USD598,000USD-4,662,000USD-2,633,000USD-8,522,000USD16,000,000USD-16,378,000USD6,266,000USD
    Total Cash From Operating Activities-177,000USD14,034,000USD15,294,000USD8,958,000USD-6,472,000USD24,008,000USD-6,412,000USD15,736,000USD
    Capital Expenditures-1,524,000USD-2,117,000USD-1,600,000USD-2,075,000USD-835,000USD-659,000USD-253,000USD-483,000USD
    Free Cash Flow-1,701,000USD11,917,000USD13,694,000USD6,883,000USD-7,307,000USD23,349,000USD-6,665,000USD15,253,000USD
    Investments-14,611,000USD-1,595,000USD-42,118,000USD10,054,000USD256,977,000USD-41,623,000USD-60,297,000USD-3,604,000USD
    Total Cashflows From Investing Activities14,564,000USD-118,227,000USD-42,118,000USD10,054,000USD256,977,000USD-41,623,000USD-60,297,000USD-3,604,000USD
    Net Borrowings-80,000,000USD67,000,000USD-712,000USD61,000,000USD-207,501,000USD-35,109,000USD36,000USD—
    Total Cash From Financing Activities-18,157,000USD93,202,000USD-30,477,000USD-2,153,000USD-207,835,000USD-31,572,000USD111,645,000USD-61,259,000USD
    Dividends Paid-4,337,000USD-4,350,000USD-4,204,000USD-4,203,000USD-4,192,000USD-2,510,000USD-2,419,000USD-2,044,000USD
    Sale Purchase Of Stock-1,441,000USD-628,000USD-214,000USD2,059,000USD-2,059,000USD———
    Issuance Of Capital Stock255,000USD214,000USD246,000USD260,000USD172,000USD173,000USD32,479,000USD59,000USD
    Change In Cash-3,770,000USD-10,990,000USD-57,302,000USD16,859,000USD42,670,000USD-49,187,000USD44,936,000USD-49,127,000USD
    Begin Period Cash Flow87,988,000USD98,978,000USD156,280,000USD139,421,000USD96,751,000USD145,938,000USD101,002,000USD150,129,000USD
    End Period Cash Flow84,218,000USD87,988,000USD98,978,000USD156,280,000USD139,421,000USD96,751,000USD145,938,000USD101,002,000USD
    Other Cashflows From Investing Activities30,699,000USD-114,507,000USD14,061,000USD10,834,000USD-4,949,000USD-45,261,000USD-67,130,000USD-19,247,000USD
    Other Cashflows From Financing Activities67,366,000USD30,966,000USD-25,593,000USD-61,269,000USD5,745,000USD-19,126,000USD81,549,000USD-59,311,000USD
    Unclassified Operating Cash Flow1,053,000USD-2,410,000USD2,851,000USD3,135,000USD-3,689,000USD———
    Unclassified Investing Cash Flow——-12,461,000USD-8,759,000USD5,784,000USD45,920,000USD67,383,000USD19,730,000USD
    Unclassified Financing Cash Flow—————25,000,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income28,176,000USD26,727,000USD21,261,000USD23,640,000USD22,042,000USD15,613,000USD7,171,000USD7,333,000USD
    Depreciation19,870,000USD12,333,000USD12,430,000USD13,342,000USD12,425,000USD7,706,000USD3,127,000USD2,076,000USD
    Stock Based Compensation883,000USD720,000USD1,005,000USD958,000USD812,000USD512,000USD373,000USD344,000USD
    Other Non Cash Items-1,783,000USD-4,836,000USD-1,181,000USD5,095,000USD1,199,000USD-8,837,000USD-2,414,000USD295,000USD
    Change In Working Capital-15,219,000USD13,973,000USD12,991,000USD1,997,000USD297,000USD-6,718,000USD635,000USD-302,000USD
    Total Cash From Operating Activities31,814,000USD48,646,000USD46,482,000USD45,017,000USD37,699,000USD8,478,000USD9,202,000USD9,955,000USD
    Capital Expenditures-6,627,000USD-1,706,000USD-4,234,000USD-1,164,000USD-2,759,000USD-1,852,000USD-766,000USD-4,207,000USD
    Free Cash Flow25,187,000USD46,940,000USD42,248,000USD43,853,000USD34,940,000USD6,626,000USD8,436,000USD5,748,000USD
    Investments34,800,000USD-97,910,000USD-181,365,000USD-88,303,000USD-508,615,000USD-284,535,000USD16,480,000USD-39,648,000USD
    Total Cashflows From Investing Activities106,686,000USD-97,910,000USD-181,365,000USD-90,496,000USD-521,374,000USD-250,751,000USD36,352,000USD-43,855,000USD
    Net Borrowings-80,213,000USD-25,000,000USD150,000,000USD0USD73,174,000USD-23,871,000USD4,965,000USD-22,183,000USD
    Total Cash From Financing Activities-147,263,000USD90,582,000USD146,373,000USD57,536,000USD436,043,000USD262,234,000USD-5,686,000USD16,753,000USD
    Dividends Paid-16,949,000USD-9,012,000USD-7,910,000USD-7,578,000USD-7,200,000USD-6,174,000USD-5,815,000USD-2,580,000USD
    Sale Purchase Of Stock-2,679,000USD0USD-150,000,000USD-767,000USD-7,786,000USD134,000USD-364,000USD-523,000USD
    Issuance Of Capital Stock892,000USD32,767,000USD231,000USD172,000USD139,000USD134,000USD142,000USD77,000USD
    Change In Cash-8,763,000USD41,318,000USD11,490,000USD12,056,000USD-47,632,000USD19,961,000USD39,868,000USD-17,147,000USD
    Begin Period Cash Flow96,751,000USD55,433,000USD43,943,000USD31,887,000USD79,519,000USD59,558,000USD19,690,000USD36,837,000USD
    End Period Cash Flow87,988,000USD96,751,000USD55,433,000USD43,943,000USD31,887,000USD79,519,000USD59,558,000USD19,690,000USD
    Other Cashflows From Investing Activities-94,561,000USD-139,134,000USD-222,177,000USD-1,029,000USD-10,000,000USD35,636,000USD20,638,000USD-24,366,000USD
    Other Cashflows From Financing Activities-47,987,000USD91,827,000USD4,052,000USD791,709,000USD465,216,000USD302,195,000USD110,386,000USD34,814,000USD
    Unclassified Investing Cash Flow173,074,000USD140,840,000USD226,411,000USD————24,366,000USD
    Unclassified Financing Cash Flow—32,767,000USD150,231,000USD-725,828,000USD-87,361,000USD-10,050,000USD-114,858,000USD7,225,000USD
    Change To Liabilities———6,205,000USD5,715,000USD-3,532,000USD-1,493,000USD573,000USD
    Cash And Cash Equivalents Changes———12,057,000USD-47,632,000USD19,961,000USD39,868,000USD-17,147,000USD
    Change To Account Receivables———————0USD
    Change To Inventory———————0USD
    Exchange Rate Changes———————0USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q1 2026Quarterly · 2026-03-31ProductCustomer Service Charges1,656,000USD0001193125-26-216698
    Q1 2026Quarterly · 2026-03-31ProductInsurance And Investment Commission Income551,000USD0001193125-26-216698
    Q1 2026Quarterly · 2026-03-31ProductInterchange Income1,892,000USD0001193125-26-216698
    Q1 2026Quarterly · 2026-03-31ProductOther Charges And Fees For Customer Services191,000USD0001193125-26-216698
    Q1 2026Quarterly · 2026-03-31ProductTrust Fee Income692,000USD0001193125-26-216698
    FY 2025Yearly · 2025-12-31ProductCustomer Service Charges5,994,000USD0001193125-26-105046
    FY 2025Yearly · 2025-12-31ProductInsurance And Investment Commission Income1,912,000USD0001193125-26-105046
    FY 2025Yearly · 2025-12-31ProductInterchange Income7,811,000USD0001193125-26-105046
    FY 2025Yearly · 2025-12-31ProductOther Charges And Fees For Customer Services751,000USD0001193125-26-105046
    FY 2025Yearly · 2025-12-31ProductTrust Fee Income2,525,000USD0001193125-26-105046
    Q3 2025Quarterly · 2025-09-30ProductCustomer Service Charges1,729,000USD0001193125-25-273356
    Q3 2025Quarterly · 2025-09-30ProductInsurance And Investment Commissions485,000USD0001193125-25-273356
    Q3 2025Quarterly · 2025-09-30ProductInterchange Income2,133,000USD0001193125-25-273356
    Q3 2025Quarterly · 2025-09-30ProductOther Charges And Fees For Customer Services204,000USD0001193125-25-273356
    Q3 2025Quarterly · 2025-09-30ProductTrust Fee Income734,000USD0001193125-25-273356
    Q2 2025Quarterly · 2025-06-30ProductCredit And Debit Card Fees2,083,000USD0000950170-25-105803
    Q2 2025Quarterly · 2025-06-30ProductCustomer Service Charges1,401,000USD0000950170-25-105803
    Q2 2025Quarterly · 2025-06-30ProductInsurance And Investment Commissions540,000USD0000950170-25-105803
    Q2 2025Quarterly · 2025-06-30ProductOther Charges And Fees For Customer Services198,000USD0000950170-25-105803
    Q2 2025Quarterly · 2025-06-30ProductTrust Fee Income596,000USD0000950170-25-105803
    Q1 2025Quarterly · 2025-03-31ProductCustomer Service Charges1,181,000USD0001193125-26-216698
    Q1 2025Quarterly · 2025-03-31ProductInsurance And Investment Commission Income295,000USD0001193125-26-216698
    Q1 2025Quarterly · 2025-03-31ProductInterchange Income1,509,000USD0001193125-26-216698
    Q1 2025Quarterly · 2025-03-31ProductOther Charges And Fees For Customer Services162,000USD0001193125-26-216698
    Q1 2025Quarterly · 2025-03-31ProductTrust Fee Income506,000USD0001193125-26-216698
    FY 2024Yearly · 2024-12-31ProductCustomer Service Charges4,774,000USD0001193125-26-105046
    FY 2024Yearly · 2024-12-31ProductInsurance And Investment Commission Income742,000USD0001193125-26-105046
    FY 2024Yearly · 2024-12-31ProductInterchange Income5,797,000USD0001193125-26-105046
    FY 2024Yearly · 2024-12-31ProductOther Charges And Fees For Customer Services562,000USD0001193125-26-105046
    FY 2024Yearly · 2024-12-31ProductTrust Fee Income906,000USD0001193125-26-105046
    Q3 2024Quarterly · 2024-09-30ProductCustomer Service Charges1,249,000USD0001193125-25-273356
    Q3 2024Quarterly · 2024-09-30ProductInsurance And Investment Commissions184,000USD0001193125-25-273356
    Q3 2024Quarterly · 2024-09-30ProductInterchange Income1,524,000USD0001193125-25-273356
    Q3 2024Quarterly · 2024-09-30ProductOther Charges And Fees For Customer Services162,000USD0001193125-25-273356
    Q3 2024Quarterly · 2024-09-30ProductTrust Fee Income232,000USD0001193125-25-273356
    Q2 2024Quarterly · 2024-06-30ProductCredit And Debit Card Fees1,516,000USD0000950170-25-105803
    Q2 2024Quarterly · 2024-06-30ProductCustomer Service Charges1,146,000USD0000950170-25-105803
    Q2 2024Quarterly · 2024-06-30ProductInsurance And Investment Commissions190,000USD0000950170-25-105803
    Q2 2024Quarterly · 2024-06-30ProductOther Charges And Fees For Customer Services98,000USD0000950170-25-105803
    Q2 2024Quarterly · 2024-06-30ProductTrust Fee Income220,000USD0000950170-25-105803
    Q1 2024Quarterly · 2024-03-31ProductCredit And Debit Card Fees1,262,000USD0000950170-25-069133
    Q1 2024Quarterly · 2024-03-31ProductCustomer Service Charges1,143,000USD0000950170-25-069133
    Q1 2024Quarterly · 2024-03-31ProductInvestment Commission Income198,000USD0000950170-25-069133
    Q1 2024Quarterly · 2024-03-31ProductOther Charges And Fees For Customer Services149,000USD0000950170-25-069133
    Q1 2024Quarterly · 2024-03-31ProductTrust Fee Income213,000USD0000950170-25-069133
    Q3 2023Quarterly · 2023-09-30ProductInterchange Income1,206,000USD0000950170-24-124039
    Q3 2023Quarterly · 2023-09-30ProductInvestment Commission Income173,000USD0000950170-24-124039
    Q3 2023Quarterly · 2023-09-30ProductOther Charges And Fees For Customer Services184,000USD0000950170-24-124039
    Q3 2023Quarterly · 2023-09-30ProductService Charges And Fees On Deposit Accounts1,176,000USD0000950170-24-124039
    Q3 2023Quarterly · 2023-09-30ProductTrust Fee Income197,000USD0000950170-24-124039

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.