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 COFS FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see ChoiceOne Financial Services Inc cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year debt coverage analysis for ChoiceOne Financial Services Inc. Check ChoiceOne Financial Services Inc earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |