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. Explore COFS long-term investment intensity to see how much of total assets are deployed in long-term investments.
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 total assets of ChoiceOne Financial Services Inc for the complete picture of this company's asset base.
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 market capitalisation.
| 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 | — |