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). Check COFS total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see how efficiently does ChoiceOne Financial Services Inc generate cash.
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. Explore ChoiceOne Financial Services Inc debt service capacity to assess how comfortably operating cash covers total debt obligations.
| 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 | — |