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). Read debt load of ChoiceOne Financial Services Inc for a breakdown of total debt and financial obligations.
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 ChoiceOne Financial Services Inc (COFS) reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 ChoiceOne Financial Services Inc market capitalisation.
| 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 | — |