ChoiceOne Financial Services Inc (COFS) — Defensive Interval Ratio
ChoiceOne Financial Services Inc (COFS) has a Defensive Interval Ratio of 14 days as of December 2025. Defensive assets of $145.28 Million (cash $-, short-term investments $134.28 Million, receivables $11.00 Million) cover 14 days of daily cash needs of $10.53 Million/day. Check tangible equity quality of ChoiceOne Financial Services Inc to evaluate the tangible quality of the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
ChoiceOne Financial Services Inc Defensive Interval Ratio (1994–2025)
This chart shows how ChoiceOne Financial Services Inc's Defensive Interval Ratio has evolved across 22 annual periods from 1994 to 2025. As of December 2025, the ratio stands at 14 days, meaning defensive assets of $145.28 Million can fund 14 days of operations without new revenue. Also explore ChoiceOne Financial Services Inc (COFS) net asset momentum to track the company's year-over-year net asset growth rate.
Annual Defensive Interval Ratio for ChoiceOne Financial Services Inc (1994–2025)
The table below presents the year-by-year Defensive Interval Ratio for ChoiceOne Financial Services Inc from 1994 to 2025, covering 22 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see how much is ChoiceOne Financial Services Inc worth.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 14 days | $145.28 Million | $10.53 Million/day | $- | $134.28 Million | ▼ -60 days |
| 2024 | 74 days | $479.12 Million | $6.49 Million/day | $- | $479.12 Million | ▼ -14 days |
| 2023 | 88 days | $514.60 Million | $5.87 Million/day | $- | $514.60 Million | ▼ -2 days |
| 2022 | 89 days | $529.75 Million | $5.94 Million/day | $- | $529.75 Million | ▼ -102 days |
| 2021 | 191 days | $1.10 Billion | $5.76 Million/day | $- | $1.10 Billion | ▲ +66 days |
| 2020 | 125 days | $574.79 Million | $4.59 Million/day | $- | $574.79 Million | ▲ +21 days |
| 2019 | 104 days | $339.58 Million | $3.25 Million/day | $- | $339.58 Million | ▼ 0 days |
| 2018 | 105 days | $166.60 Million | $1.59 Million/day | $- | $166.60 Million | ▲ +1 days |
| 2017 | 104 days | $155.59 Million | $1.50 Million/day | $- | $155.59 Million | ▼ -19 days |
| 2016 | 122 days | $174.39 Million | $1.43 Million/day | $- | $174.39 Million | ▲ +2 days |
| 2015 | 121 days | $160.14 Million | $1.33 Million/day | $- | $160.14 Million | ▲ +8 days |
| 2014 | 113 days | $142.52 Million | $1.26 Million/day | $- | $142.52 Million | ▲ +1 days |
| 2013 | 112 days | $136.08 Million | $1.22 Million/day | $- | $136.08 Million | ▲ +1 days |
| 2012 | 111 days | $134.49 Million | $1.22 Million/day | $- | $134.49 Million | ▲ +17 days |
| 2011 | 93 days | $114.28 Million | $1.22 Million/day | $- | $114.28 Million | ▲ +89 days |
| 2010 | 4 days | $5.00 Million | $1.13 Million/day | $- | $5.00 Million | ▼ -5 days |
| 2009 | 9 days | $9.79 Million | $1.06 Million/day | $- | $9.79 Million | ▲ +7 days |
| 2008 | 2 days | $1.91 Million | $1.05 Million/day | $- | $1.91 Million | ▲ +10 days |
| 1999 | -8 days | $-2.72 Million | $335.28K/day | $- | $-2.72 Million | ▼ -12 days |
| 1996 | 4 days | $859.00K | $238.76K/day | $- | $- | ▲ +1 days |
| 1995 | 3 days | $773.00K | $257.27K/day | $- | $- | ▼ 0 days |
| 1994 | 3 days | $851.00K | $252.70K/day | $- | $- | — |