ChoiceOne Financial Services Inc (COFS) — Cash Flow Reinvestment Rate
ChoiceOne Financial Services Inc (COFS) has a Cash Flow Reinvestment Rate of 0.26x as of December 2025, reinvesting $3.71 Million (capex $2.12 Million plus investments $-1.59 Million) from operating cash flow of $14.03 Million. Check earnings quality score of ChoiceOne Financial Services Inc to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
ChoiceOne Financial Services Inc Cash Flow Reinvestment Rate (1994–2025)
Historical reinvestment intensity for ChoiceOne Financial Services Inc across 31 annual periods. Explore ChoiceOne Financial Services Inc strategic investment ratio to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year capital reinvestment analysis for ChoiceOne Financial Services Inc. For live market cap and broader valuation context, see market cap of ChoiceOne Financial Services Inc.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 2.01x | $41.43 Million | $20.65 Million | $6.63 Million | ▼ -2.0% |
| 2024 | 2.05x | $99.62 Million | $48.65 Million | $1.71 Million | ▼ -48.7% |
| 2023 | 3.99x | $185.60 Million | $46.48 Million | $4.23 Million | ▲ +100.9% |
| 2022 | 1.99x | $89.47 Million | $45.02 Million | $1.16 Million | ▼ -85.3% |
| 2021 | 13.56x | $511.37 Million | $37.70 Million | $2.76 Million | ▼ -59.8% |
| 2020 | 33.78x | $286.39 Million | $8.48 Million | $1.85 Million | ▲ +1702.4% |
| 2019 | 1.87x | $17.25 Million | $9.20 Million | $766.00K | ▼ -57.5% |
| 2018 | 4.41x | $43.85 Million | $9.96 Million | $4.21 Million | ▲ +78.6% |
| 2017 | 2.47x | $19.96 Million | $8.09 Million | $1.66 Million | ▼ -37.7% |
| 2016 | 3.96x | $43.30 Million | $10.93 Million | $1.82 Million | ▼ -17.0% |
| 2015 | 4.77x | $18.98 Million | $3.98 Million | $1.04 Million | ▲ +460.4% |
| 2014 | 0.85x | $6.36 Million | $7.47 Million | $786.00K | ▲ +1001.7% |
| 2013 | 0.08x | $801.00K | $10.36 Million | $801.00K | ▼ -95.6% |
| 2012 | 1.76x | $16.95 Million | $9.64 Million | $921.00K | ▲ +4320.5% |
| 2011 | 0.04x | $499.00K | $12.54 Million | $499.00K | ▼ -75.7% |
| 2010 | 0.16x | $1.51 Million | $9.22 Million | $1.51 Million | ▲ +85.2% |
| 2009 | 0.09x | $816.00K | $9.23 Million | $816.00K | ▼ -16.4% |
| 2008 | 0.11x | $764.00K | $7.23 Million | $764.00K | ▲ +30.4% |
| 2007 | 0.08x | $528.00K | $6.51 Million | $528.00K | ▼ -74.6% |
| 2005 | 0.32x | $1.23 Million | $3.83 Million | $1.23 Million | ▲ +19.9% |
| 2004 | 0.27x | $1.48 Million | $5.56 Million | $1.48 Million | ▲ +548.7% |
| 2003 | 0.04x | $225.00K | $5.48 Million | $225.00K | ▼ -47.7% |
| 2002 | 0.08x | $331.00K | $4.21 Million | $331.00K | ▼ -47.5% |
| 2001 | 0.15x | $388.00K | $2.59 Million | $388.00K | ▼ -57.0% |
| 2000 | 0.35x | $1.10 Million | $3.17 Million | $1.10 Million | ▼ -19.0% |
| 1999 | 0.43x | $1.34 Million | $3.12 Million | $1.34 Million | ▼ -35.9% |
| 1998 | 0.67x | $804.00K | $1.20 Million | $804.00K | ▲ +210.9% |
| 1997 | 0.22x | $996.00K | $4.62 Million | $996.00K | ▼ -41.1% |
| 1996 | 0.37x | $762.00K | $2.08 Million | $762.00K | ▲ +242.4% |
| 1995 | 0.11x | $236.00K | $2.21 Million | $236.00K | ▲ +596.8% |
| 1994 | 0.02x | $36.00K | $2.35 Million | $36.00K | — |