ChoiceOne Financial Services Inc Cash Flow Quality Index
ChoiceOne Financial Services Inc 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. See COFS financial flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of ChoiceOne Financial Services Inc (1994–2025)
Cash flow quality index of ChoiceOne Financial Services Inc from 1994 to 2025. Historical Cash Flow Quality Index for ChoiceOne Financial Services Inc across 32 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore COFS operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
ChoiceOne Financial Services Inc Cash Flow Quality Index by Year (1994–2025)
ChoiceOne Financial Services Inc cash flow quality index by year from 1994 to 2025. Year-by-year earnings quality comparison for ChoiceOne Financial Services Inc. For the full cash flow conversion analysis, see COFS cash generation efficiency.
| 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 | — |