ChoiceOne Financial Services Inc Cash Flow-to-Debt Ratio
ChoiceOne Financial Services Inc 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. Check cash flow quality index of ChoiceOne Financial Services Inc to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of ChoiceOne Financial Services Inc (1994–2025)
Cash flow-to-debt ratio of ChoiceOne Financial Services Inc from 1994 to 2025. Historical debt coverage capacity for ChoiceOne Financial Services Inc across 32 annual periods. Check ChoiceOne Financial Services Inc (COFS) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
ChoiceOne Financial Services Inc Cash Flow-to-Debt Ratio by Year (1994–2025)
ChoiceOne Financial Services Inc cash flow-to-debt ratio by year from 1994 to 2025. Year-by-year debt coverage analysis for ChoiceOne Financial Services Inc. For the full cash flow conversion analysis, see ChoiceOne Financial Services Inc operating cash flow efficiency.
| 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 | — |