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). Explore COFS capex reinvestment rate to see what proportion of operating cash flow is directed to capital expenditures.
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. For the full cash flow conversion analysis, see COFS cash flow conversion.
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. Check COFS capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
| 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 | — |