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ChoiceOne Financial Services Inc (COFS)
NASDAQ:COFS
US Market
COFS
ChoiceOne Financial Services
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ChoiceOne Financial Services (COFS) Ratios

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ChoiceOne Financial Services Ratios

COFS's free cash flow for Q4 2025 was $0.70. For the 2025 fiscal year, COFS's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.06 0.24 0.27 0.26
Quick Ratio
 0.00 0.06 0.24 0.27 0.26
Cash Ratio
 0.00 0.02 0.04 0.03 0.02
Solvency Ratio
 0.02 <0.01 0.02 0.01 0.02
Operating Cash Flow Ratio
 0.00 <0.01 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.08 0.31 2.32 0.89
Net Current Asset Value
$ -3.84B$ -3.72B$ -1.89B$ -1.81B$ -1.64B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.07 0.08 0.09 0.04
Debt-to-Equity Ratio
 0.50 0.67 0.81 1.20 0.50
Debt-to-Capital Ratio
 0.33 0.40 0.45 0.55 0.34
Long-Term Debt-to-Capital Ratio
 0.33 0.13 0.18 0.52 0.17
Financial Leverage Ratio
 9.35 9.48 10.46 13.17 14.13
Debt Service Coverage Ratio
 0.97 0.09 0.19 0.63 0.64
Interest Coverage Ratio
 0.99 0.52 0.71 0.77 3.57
Debt to Market Cap
 0.50 0.76 0.72 1.07 0.39
Interest Debt Per Share
 20.13 27.21 31.52 35.63 12.39
Net Debt to EBITDA
 1.88 6.60 2.52 4.74 1.01
Profitability Margins
Gross Profit Margin
70.84%58.16%66.00%70.81%91.03%
EBIT Margin
28.31%17.72%23.79%22.45%31.03%
EBITDA Margin
32.82%17.72%32.65%33.36%46.00%
Operating Profit Margin
28.31%17.72%23.79%22.45%31.03%
Pretax Profit Margin
28.31%17.72%23.79%22.45%31.03%
Net Profit Margin
23.07%14.61%19.21%18.67%26.52%
Continuous Operations Profit Margin
23.07%14.61%19.21%18.67%26.52%
Net Income Per EBT
81.48%82.41%80.77%83.16%85.47%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.27%0.64%0.98%0.83%0.99%
Return on Equity (ROE)
12.28%6.05%10.26%10.87%14.00%
Return on Capital Employed (ROCE)
1.56%6.05%9.34%5.88%12.69%
Return on Invested Capital (ROIC)
1.27%3.48%5.25%4.68%8.82%
Return on Tangible Assets
1.32%0.66%1.00%0.85%1.02%
Earnings Yield
11.80%6.85%9.18%9.63%10.86%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 0.00 0.00 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.97 4.01 5.13 3.83 3.16
Asset Turnover
 0.06 0.04 0.05 0.04 0.04
Working Capital Turnover Ratio
 -0.14 -0.07 -0.08 -0.07 -0.07
Cash Conversion Cycle
 0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 2.12 1.48 5.96 6.17 5.91
Free Cash Flow Per Share
 1.68 1.01 5.75 5.60 5.75
CapEx Per Share
 0.44 0.48 0.21 0.56 0.16
Free Cash Flow to Operating Cash Flow
 0.79 0.68 0.96 0.91 0.97
Dividend Paid and CapEx Coverage Ratio
 1.35 0.88 4.54 3.83 5.07
Capital Expenditure Coverage Ratio
 4.80 3.12 28.51 10.98 38.08
Operating Cash Flow Coverage Ratio
 0.14 0.07 0.23 0.20 0.52
Operating Cash Flow to Sales Ratio
 0.13 0.11 0.35 0.41 0.50
Free Cash Flow Yield
5.35%3.41%16.13%19.13%19.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.47 14.61 10.89 10.39 9.21
Price-to-Sales (P/S) Ratio
 1.95 2.13 2.09 1.94 2.44
Price-to-Book (P/B) Ratio
 1.01 0.88 1.12 1.13 1.29
Price-to-Free Cash Flow (P/FCF) Ratio
 18.69 29.34 6.20 5.23 5.04
Price-to-Operating Cash Flow Ratio
 14.86 19.93 5.98 4.75 4.91
Price-to-Earnings Growth (PEG) Ratio
 0.03 -0.38 0.68 -0.99 0.94
Price-to-Fair Value
 1.01 0.88 1.12 1.13 1.29
Enterprise Value Multiple
 7.81 18.63 8.92 10.55 6.32
Enterprise Value
 620.00M 637.02M 405.39M 400.97M 258.96M
EV to EBITDA
 7.81 18.63 8.92 10.55 6.32
EV to Sales
 2.56 3.30 2.91 3.52 2.91
EV to Free Cash Flow
 24.62 45.42 8.64 9.49 6.00
EV to Operating Cash Flow
 19.49 30.84 8.33 8.63 5.84
Tangible Book Value Per Share
 20.69 22.06 24.42 17.75 14.14
Shareholders’ Equity Per Share
 31.30 33.38 31.89 25.95 22.50
Tax and Other Ratios
Effective Tax Rate
 0.19 0.18 0.19 0.17 0.15
Revenue Per Share
 16.11 13.84 17.03 15.11 11.88
Net Income Per Share
 3.72 2.02 3.27 2.82 3.15
Tax Burden
 0.81 0.82 0.81 0.83 0.85
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.20 0.32 0.26 0.29 0.35
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 0.01
Income Quality
 1.13 0.73 1.82 2.19 1.88
Currency in USD