ChoiceOne Financial Services Inc (COFS) - Cash Flow Conversion Efficiency
Based on the latest financial reports, ChoiceOne Financial Services Inc (COFS) has a cash flow conversion efficiency ratio of 0.030x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($14.03 Million) by net assets ($465.35 Million). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See ChoiceOne Financial Services Inc (COFS) balance sheet quality index to measure how much of total assets are equity-financed.
ChoiceOne Financial Services Inc - Cash Flow Conversion Efficiency Trend (1994–2025)
This chart illustrates how ChoiceOne Financial Services Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. Check COFS operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
ChoiceOne Financial Services Inc Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of ChoiceOne Financial Services Inc ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Jiangxi Huawu Brake Co Ltd
SHE:300095
|
0.039x |
|
Styrenix Performance Materials Limited
NSE:STYRENIX
|
-0.052x |
|
TPI Polene Power Public Company Limited
BK:TPIPP
|
0.000x |
|
Bannari Amman Sugars Limited
NSE:BANARISUG
|
0.130x |
|
The Anup Engineering Limited
NSE:ANUP
|
-0.098x |
|
Mstc Limited
NSE:MSTCLTD
|
-0.209x |
|
Shandong Homey Aquatic Development Co Ltd
SHG:600467
|
0.010x |
|
China BlueChemical Ltd
F:H1Q
|
0.009x |
Annual Cash Flow Conversion Efficiency for ChoiceOne Financial Services Inc (1994–2025)
The table below shows the annual cash flow conversion efficiency of ChoiceOne Financial Services Inc from 1994 to 2025. For the full company profile with market capitalisation and key ratios, see market cap of ChoiceOne Financial Services Inc.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $465.35 Million | $20.65 Million | 0.044x | -76.24% |
| 2024-12-31 | $260.42 Million | $48.65 Million | 0.187x | -21.38% |
| 2023-12-31 | $195.63 Million | $46.48 Million | 0.238x | -10.87% |
| 2022-12-31 | $168.87 Million | $45.02 Million | 0.267x | +56.74% |
| 2021-12-31 | $221.67 Million | $37.70 Million | 0.170x | +355.90% |
| 2020-12-31 | $227.27 Million | $8.48 Million | 0.037x | -22.11% |
| 2019-12-31 | $192.14 Million | $9.20 Million | 0.048x | -61.28% |
| 2018-12-31 | $80.48 Million | $9.96 Million | 0.124x | +17.05% |
| 2017-12-31 | $76.55 Million | $8.09 Million | 0.106x | -30.66% |
| 2016-12-31 | $71.70 Million | $10.93 Million | 0.152x | +167.58% |
| 2015-12-31 | $69.84 Million | $3.98 Million | 0.057x | -49.55% |
| 2014-12-31 | $66.19 Million | $7.47 Million | 0.113x | -32.94% |
| 2013-12-31 | $61.56 Million | $10.36 Million | 0.168x | +5.65% |
| 2012-12-31 | $60.51 Million | $9.64 Million | 0.159x | -26.45% |
| 2011-12-31 | $57.90 Million | $12.54 Million | 0.217x | +27.56% |
| 2010-12-31 | $54.31 Million | $9.22 Million | 0.170x | -2.66% |
| 2009-12-31 | $52.93 Million | $9.23 Million | 0.174x | +25.94% |
| 2008-12-31 | $52.19 Million | $7.23 Million | 0.139x | +13.03% |
| 2007-12-31 | $53.14 Million | $6.51 Million | 0.123x | +188.13% |
| 2006-12-31 | $51.52 Million | $-7.17 Million | -0.139x | -178.83% |
| 2005-12-31 | $21.72 Million | $3.83 Million | 0.176x | -33.10% |
| 2004-12-31 | $21.07 Million | $5.56 Million | 0.264x | -0.95% |
| 2003-12-31 | $20.57 Million | $5.48 Million | 0.266x | +22.45% |
| 2002-12-31 | $19.36 Million | $4.21 Million | 0.217x | +53.37% |
| 2001-12-31 | $18.27 Million | $2.59 Million | 0.142x | -21.20% |
| 2000-12-31 | $17.59 Million | $3.17 Million | 0.180x | -2.73% |
| 1999-12-31 | $16.89 Million | $3.12 Million | 0.185x | +148.61% |
| 1998-12-31 | $16.14 Million | $1.20 Million | 0.074x | -75.00% |
| 1997-12-31 | $15.54 Million | $4.62 Million | 0.298x | +107.65% |
| 1996-12-31 | $14.54 Million | $2.08 Million | 0.143x | -10.59% |
| 1995-12-31 | $13.78 Million | $2.21 Million | 0.160x | -12.11% |
| 1994-12-31 | $12.88 Million | $2.35 Million | 0.182x | -- |
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… Read more