ChoiceOne Financial Services Inc (COFS) — Cash Flow-to-Debt Ratio
ChoiceOne Financial Services Inc (COFS) has a Cash Flow-to-Debt Ratio of 0.00x as of December 2025, meaning its operating cash flow of $14.03 Million could theoretically repay 0% of its total liabilities ($3.95 Billion) in one year. See ChoiceOne Financial Services Inc free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
ChoiceOne Financial Services Inc Cash Flow-to-Debt Ratio (1994–2025)
Historical debt coverage capacity for ChoiceOne Financial Services Inc across 32 annual periods. Also explore ChoiceOne Financial Services Inc equity growth rate to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year debt coverage analysis for ChoiceOne Financial Services Inc. For market capitalisation and broader financial context, see ChoiceOne Financial Services Inc stock valuation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.01x | $20.65 Million | $3.95 Billion | ▼ -73.5% |
| 2024 | 0.02x | $48.65 Million | $2.46 Billion | ▲ +1.2% |
| 2023 | 0.02x | $46.48 Million | $2.38 Billion | ▼ -3.9% |
| 2022 | 0.02x | $45.02 Million | $2.22 Billion | ▲ +15.5% |
| 2021 | 0.02x | $37.70 Million | $2.15 Billion | ▲ +250.8% |
| 2020 | 0.01x | $8.48 Million | $1.69 Billion | ▼ -35.0% |
| 2019 | 0.01x | $9.20 Million | $1.19 Billion | ▼ -54.3% |
| 2018 | 0.02x | $9.96 Million | $590.07 Million | ▲ +18.9% |
| 2017 | 0.01x | $8.09 Million | $569.99 Million | ▼ -30.4% |
| 2016 | 0.02x | $10.93 Million | $535.67 Million | ▲ +155.3% |
| 2015 | 0.01x | $3.98 Million | $497.90 Million | ▼ -48.3% |
| 2014 | 0.02x | $7.47 Million | $483.45 Million | ▼ -32.4% |
| 2013 | 0.02x | $10.36 Million | $453.02 Million | ▲ +6.4% |
| 2012 | 0.02x | $9.64 Million | $448.41 Million | ▼ -24.9% |
| 2011 | 0.03x | $12.54 Million | $438.01 Million | ▲ +32.3% |
| 2010 | 0.02x | $9.22 Million | $426.21 Million | ▼ -3.2% |
| 2009 | 0.02x | $9.23 Million | $412.99 Million | ▲ +27.2% |
| 2008 | 0.02x | $7.23 Million | $411.37 Million | ▲ +12.5% |
| 2007 | 0.02x | $6.51 Million | $417.01 Million | ▲ +190.5% |
| 2006 | -0.02x | $-7.17 Million | $415.13 Million | ▼ -202.0% |
| 2005 | 0.02x | $3.83 Million | $226.39 Million | ▼ -35.7% |
| 2004 | 0.03x | $5.56 Million | $211.22 Million | ▼ -6.4% |
| 2003 | 0.03x | $5.48 Million | $194.90 Million | ▲ +28.8% |
| 2002 | 0.02x | $4.21 Million | $192.97 Million | ▲ +51.2% |
| 2001 | 0.01x | $2.59 Million | $179.52 Million | ▼ -16.3% |
| 2000 | 0.02x | $3.17 Million | $183.60 Million | ▼ -2.8% |
| 1999 | 0.02x | $3.12 Million | $176.22 Million | ▲ +128.0% |
| 1998 | 0.01x | $1.20 Million | $154.46 Million | ▼ -76.3% |
| 1997 | 0.03x | $4.62 Million | $140.79 Million | ▲ +100.5% |
| 1996 | 0.02x | $2.08 Million | $127.19 Million | ▼ -28.7% |
| 1995 | 0.02x | $2.21 Million | $96.13 Million | ▼ -8.7% |
| 1994 | 0.03x | $2.35 Million | $93.26 Million | — |