ChoiceOne Financial Services Inc (COFS) — Cash Flow Quality Index
ChoiceOne Financial Services Inc (COFS) has a Cash Flow Quality Index of 1.01x as of December 2025. Operating cash flow of $14.03 Million exceeds net income of $13.87 Million, indicating high earnings quality where cash backs reported profits. Explore COFS long-term investments to assets to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
ChoiceOne Financial Services Inc Cash Flow Quality Index (1994–2025)
Historical Cash Flow Quality Index for ChoiceOne Financial Services Inc across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible equity quality of ChoiceOne Financial Services Inc to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year earnings quality comparison for ChoiceOne Financial Services Inc. For live market cap and the full company financial profile, see ChoiceOne Financial Services Inc market cap and net worth.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.73x | $20.65 Million | $28.18 Million | ▼ -59.7% |
| 2024 | 1.82x | $48.65 Million | $26.73 Million | ▼ -16.7% |
| 2023 | 2.19x | $46.48 Million | $21.26 Million | ▲ +14.8% |
| 2022 | 1.90x | $45.02 Million | $23.64 Million | ▲ +11.3% |
| 2021 | 1.71x | $37.70 Million | $22.04 Million | ▲ +215.0% |
| 2020 | 0.54x | $8.48 Million | $15.61 Million | ▼ -57.7% |
| 2019 | 1.28x | $9.20 Million | $7.17 Million | ▼ -5.5% |
| 2018 | 1.36x | $9.96 Million | $7.33 Million | ▲ +3.5% |
| 2017 | 1.31x | $8.09 Million | $6.17 Million | ▼ -26.9% |
| 2016 | 1.79x | $10.93 Million | $6.09 Million | ▲ +159.0% |
| 2015 | 0.69x | $3.98 Million | $5.74 Million | ▼ -47.2% |
| 2014 | 1.31x | $7.47 Million | $5.70 Million | ▼ -35.5% |
| 2013 | 2.03x | $10.36 Million | $5.09 Million | ▼ -10.1% |
| 2012 | 2.26x | $9.64 Million | $4.26 Million | ▼ -36.6% |
| 2011 | 3.57x | $12.54 Million | $3.51 Million | ▲ +4.9% |
| 2010 | 3.40x | $9.22 Million | $2.71 Million | ▼ -45.5% |
| 2009 | 6.25x | $9.23 Million | $1.48 Million | ▲ +24.0% |
| 2008 | 5.04x | $7.23 Million | $1.44 Million | ▲ +176.9% |
| 2007 | 1.82x | $6.51 Million | $3.58 Million | ▲ +153.0% |
| 2006 | -3.43x | $-7.17 Million | $2.09 Million | ▼ -294.0% |
| 2005 | 1.77x | $3.83 Million | $2.17 Million | ▼ -41.0% |
| 2004 | 3.00x | $5.56 Million | $1.85 Million | ▲ +15.0% |
| 2003 | 2.61x | $5.48 Million | $2.10 Million | ▲ +1.7% |
| 2002 | 2.56x | $4.21 Million | $1.64 Million | ▲ +44.2% |
| 2001 | 1.78x | $2.59 Million | $1.46 Million | ▼ -14.3% |
| 2000 | 2.07x | $3.17 Million | $1.53 Million | ▲ +29.6% |
| 1999 | 1.60x | $3.12 Million | $1.95 Million | ▲ +156.1% |
| 1998 | 0.62x | $1.20 Million | $1.92 Million | ▼ -76.5% |
| 1997 | 2.66x | $4.62 Million | $1.74 Million | ▲ +116.6% |
| 1996 | 1.23x | $2.08 Million | $1.70 Million | ▼ -18.6% |
| 1995 | 1.51x | $2.21 Million | $1.46 Million | ▼ -20.1% |
| 1994 | 1.89x | $2.35 Million | $1.24 Million | — |