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 ChoiceOne Financial Services Inc cash flow conversion to assess how effectively this company generates cash.
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 ChoiceOne Financial Services Inc cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 COFS stock market capitalisation.
| 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 | — |