ChoiceOne Financial Services Inc (COFS) — Financial Flexibility Index
ChoiceOne Financial Services Inc (COFS) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of $16.15 Million (operating CF $14.03 Million minus capex $2.12 Million) represents 0% of total liabilities ($3.95 Billion). Also explore ChoiceOne Financial Services Inc annual equity growth to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
ChoiceOne Financial Services Inc Financial Flexibility Index (1994–2025)
Historical Financial Flexibility Index trend for ChoiceOne Financial Services Inc across 32 annual periods. Check COFS capital-intensive asset ratio to assess the company's strategic physical and investment asset allocation.
Annual Financial Flexibility Index for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year free cash flow to debt coverage for ChoiceOne Financial Services Inc. For the full company profile including market capitalisation, see ChoiceOne Financial Services Inc stock valuation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $27.28 Million | $20.65 Million | $3.95 Billion | ▼ -66.2% |
| 2024 | 0.02x | $50.35 Million | $48.65 Million | $2.46 Billion | ▼ -4.0% |
| 2023 | 0.02x | $50.72 Million | $46.48 Million | $2.38 Billion | ▲ +2.3% |
| 2022 | 0.02x | $46.18 Million | $45.02 Million | $2.22 Billion | ▲ +10.4% |
| 2021 | 0.02x | $40.46 Million | $37.70 Million | $2.15 Billion | ▲ +209.0% |
| 2020 | 0.01x | $10.33 Million | $8.48 Million | $1.69 Billion | ▼ -26.9% |
| 2019 | 0.01x | $9.97 Million | $9.20 Million | $1.19 Billion | ▼ -65.2% |
| 2018 | 0.02x | $14.16 Million | $9.96 Million | $590.07 Million | ▲ +40.4% |
| 2017 | 0.02x | $9.75 Million | $8.09 Million | $569.99 Million | ▼ -28.1% |
| 2016 | 0.02x | $12.75 Million | $10.93 Million | $535.67 Million | ▲ +136.2% |
| 2015 | 0.01x | $5.02 Million | $3.98 Million | $497.90 Million | ▼ -41.0% |
| 2014 | 0.02x | $8.26 Million | $7.47 Million | $483.45 Million | ▼ -30.7% |
| 2013 | 0.02x | $11.16 Million | $10.36 Million | $453.02 Million | ▲ +4.6% |
| 2012 | 0.02x | $10.56 Million | $9.64 Million | $448.41 Million | ▼ -20.9% |
| 2011 | 0.03x | $13.04 Million | $12.54 Million | $438.01 Million | ▲ +18.2% |
| 2010 | 0.03x | $10.73 Million | $9.22 Million | $426.21 Million | ▲ +3.5% |
| 2009 | 0.02x | $10.05 Million | $9.23 Million | $412.99 Million | ▲ +25.2% |
| 2008 | 0.02x | $7.99 Million | $7.23 Million | $411.37 Million | ▲ +15.1% |
| 2007 | 0.02x | $7.04 Million | $6.51 Million | $417.01 Million | ▲ +202.1% |
| 2006 | -0.02x | $-6.87 Million | $-7.17 Million | $415.13 Million | ▼ -174.0% |
| 2005 | 0.02x | $5.06 Million | $3.83 Million | $226.39 Million | ▼ -33.0% |
| 2004 | 0.03x | $7.04 Million | $5.56 Million | $211.22 Million | ▲ +13.9% |
| 2003 | 0.03x | $5.70 Million | $5.48 Million | $194.90 Million | ▲ +24.3% |
| 2002 | 0.02x | $4.54 Million | $4.21 Million | $192.97 Million | ▲ +41.8% |
| 2001 | 0.02x | $2.98 Million | $2.59 Million | $179.52 Million | ▼ -28.6% |
| 2000 | 0.02x | $4.27 Million | $3.17 Million | $183.60 Million | ▼ -8.3% |
| 1999 | 0.03x | $4.46 Million | $3.12 Million | $176.22 Million | ▲ +95.2% |
| 1998 | 0.01x | $2.00 Million | $1.20 Million | $154.46 Million | ▼ -67.5% |
| 1997 | 0.04x | $5.62 Million | $4.62 Million | $140.79 Million | ▲ +78.4% |
| 1996 | 0.02x | $2.85 Million | $2.08 Million | $127.19 Million | ▼ -12.1% |
| 1995 | 0.03x | $2.45 Million | $2.21 Million | $96.13 Million | ▼ -0.5% |
| 1994 | 0.03x | $2.38 Million | $2.35 Million | $93.26 Million | — |