ChoiceOne Financial Services Inc Financial Flexibility Index
ChoiceOne Financial Services Inc 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). See COFS free cash flow generation to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of ChoiceOne Financial Services Inc (1994–2025)
Financial flexibility index of ChoiceOne Financial Services Inc from 1994 to 2025. Historical Financial Flexibility Index trend for ChoiceOne Financial Services Inc across 32 annual periods. Check how high is ChoiceOne Financial Services Inc's earnings quality to evaluate the quality of earnings relative to operating cash generation.
ChoiceOne Financial Services Inc Financial Flexibility Index by Year (1994–2025)
ChoiceOne Financial Services Inc financial flexibility index by year from 1994 to 2025. Year-by-year free cash flow to debt coverage for ChoiceOne Financial Services Inc. For the full cash flow conversion analysis, see ChoiceOne Financial Services Inc cash flow conversion.
| 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 | — |