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 cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see ChoiceOne Financial Services Inc (COFS) cash conversion ratio.
Annual Cash Flow Quality Index for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year earnings quality comparison for ChoiceOne Financial Services Inc.
| 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 | — |