ChoiceOne Financial Services Inc (COFS) — Free Cash Flow Generation Index
ChoiceOne Financial Services Inc (COFS) has a Free Cash Flow Generation Index of 0.85x as of December 2025. Free cash flow of $11.92 Million represents 1% of operating cash flow ($14.03 Million). See COFS working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
ChoiceOne Financial Services Inc Free Cash Flow Generation Index (1994–2025)
Historical FCF Generation Index trend for ChoiceOne Financial Services Inc across 31 annual periods. Explore cash flow to debt ratio of ChoiceOne Financial Services Inc to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for ChoiceOne Financial Services Inc (1994–2025)
Year-by-year Free Cash Flow Generation Index for ChoiceOne Financial Services Inc. For the full company profile including market capitalisation, see COFS market cap overview.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.68x | $14.03 Million | $20.65 Million | $6.63 Million | ▼ -29.6% |
| 2024 | 0.96x | $46.94 Million | $48.65 Million | $1.71 Million | ▲ +6.2% |
| 2023 | 0.91x | $42.25 Million | $46.48 Million | $4.23 Million | ▼ -6.7% |
| 2022 | 0.97x | $43.85 Million | $45.02 Million | $1.16 Million | ▲ +5.1% |
| 2021 | 0.93x | $34.94 Million | $37.70 Million | $2.76 Million | ▲ +18.6% |
| 2020 | 0.78x | $6.63 Million | $8.48 Million | $1.85 Million | ▼ -14.7% |
| 2019 | 0.92x | $8.44 Million | $9.20 Million | $766.00K | ▲ +58.8% |
| 2018 | 0.58x | $5.75 Million | $9.96 Million | $4.21 Million | ▼ -27.4% |
| 2017 | 0.80x | $6.43 Million | $8.09 Million | $1.66 Million | ▼ -4.6% |
| 2016 | 0.83x | $9.11 Million | $10.93 Million | $1.82 Million | ▲ +12.8% |
| 2015 | 0.74x | $2.94 Million | $3.98 Million | $1.04 Million | ▼ -17.4% |
| 2014 | 0.89x | $6.69 Million | $7.47 Million | $786.00K | ▼ -3.0% |
| 2013 | 0.92x | $9.56 Million | $10.36 Million | $801.00K | ▲ +2.0% |
| 2012 | 0.90x | $8.72 Million | $9.64 Million | $921.00K | ▼ -5.8% |
| 2011 | 0.96x | $12.05 Million | $12.54 Million | $499.00K | ▲ +14.8% |
| 2010 | 0.84x | $7.71 Million | $9.22 Million | $1.51 Million | ▼ -8.3% |
| 2009 | 0.91x | $8.42 Million | $9.23 Million | $816.00K | ▲ +1.9% |
| 2008 | 0.89x | $6.47 Million | $7.23 Million | $764.00K | ▼ -2.7% |
| 2007 | 0.92x | $5.99 Million | $6.51 Million | $528.00K | ▲ +35.1% |
| 2005 | 0.68x | $2.61 Million | $3.83 Million | $1.23 Million | ▼ -7.2% |
| 2004 | 0.73x | $4.08 Million | $5.56 Million | $1.48 Million | ▼ -23.5% |
| 2003 | 0.96x | $5.25 Million | $5.48 Million | $225.00K | ▲ +4.1% |
| 2002 | 0.92x | $3.88 Million | $4.21 Million | $331.00K | ▲ +8.4% |
| 2001 | 0.85x | $2.20 Million | $2.59 Million | $388.00K | ▲ +30.4% |
| 2000 | 0.65x | $2.06 Million | $3.17 Million | $1.10 Million | ▲ +14.3% |
| 1999 | 0.57x | $1.78 Million | $3.12 Million | $1.34 Million | ▲ +72.7% |
| 1998 | 0.33x | $397.00K | $1.20 Million | $804.00K | ▼ -57.9% |
| 1997 | 0.78x | $3.63 Million | $4.62 Million | $996.00K | ▲ +23.7% |
| 1996 | 0.63x | $1.32 Million | $2.08 Million | $762.00K | ▼ -29.0% |
| 1995 | 0.89x | $1.97 Million | $2.21 Million | $236.00K | ▼ -9.3% |
| 1994 | 0.98x | $2.31 Million | $2.35 Million | $36.00K | — |