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STOCKS

ChoiceOne Financial Services Inc (COFS)

NASDAQ:COFS

COFS

ChoiceOne Financial Services

RESEARCH TOOLSreports

ChoiceOne Financial Services (COFS) Ratios

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35 Followers

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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	2.61	2.61	0.24	0.27	0.26
Quick Ratio	2.61	2.61	0.24	0.27	0.26
Cash Ratio	0.36	0.36	0.04	0.03	0.02
Solvency Ratio	0.01	<0.01	0.02	0.01	0.02
Operating Cash Flow Ratio	0.08	0.08	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.08	0.08	0.31	2.32	0.89
Net Current Asset Value	$ -3.30B	$ -3.30B	$ -1.89B	$ -1.81B	$ -1.64B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.08	0.09	0.04
Debt-to-Equity Ratio	0.68	0.68	0.81	1.20	0.50
Debt-to-Capital Ratio	0.40	0.40	0.45	0.55	0.34
Long-Term Debt-to-Capital Ratio	0.13	0.13	0.18	0.52	0.17
Financial Leverage Ratio	9.48	9.48	10.46	13.17	14.13
Debt Service Coverage Ratio	0.14	0.09	0.19	0.63	0.64
Interest Coverage Ratio	0.52	0.52	0.71	0.77	3.57
Debt to Market Cap	0.76	0.76	0.72	1.07	0.39
Interest Debt Per Share	25.44	27.40	31.52	35.63	12.39
Net Debt to EBITDA	4.68	6.67	2.52	4.74	1.01
Profitability Margins
Gross Profit Margin	64.55%	58.16%	66.00%	70.81%	91.03%
EBIT Margin	15.02%	17.72%	23.79%	22.45%	31.03%
EBITDA Margin	21.41%	17.72%	32.65%	33.36%	46.00%
Operating Profit Margin	15.02%	17.72%	23.79%	22.45%	31.03%
Pretax Profit Margin	15.02%	17.72%	23.79%	22.45%	31.03%
Net Profit Margin	12.38%	14.61%	19.21%	18.67%	26.52%
Continuous Operations Profit Margin	12.38%	14.61%	19.21%	18.67%	26.52%
Net Income Per EBT	82.41%	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)	0.64%	0.64%	0.98%	0.83%	0.99%
Return on Equity (ROE)	6.35%	6.05%	10.26%	10.87%	14.00%
Return on Capital Employed (ROCE)	0.82%	0.82%	9.34%	5.88%	12.69%
Return on Invested Capital (ROIC)	3.31%	3.31%	5.25%	4.68%	8.82%
Return on Tangible Assets	0.66%	0.66%	1.00%	0.85%	1.02%
Earnings Yield	6.81%	6.85%	9.18%	9.63%	10.86%
Efficiency Ratios
Receivables Turnover	20.69	17.54	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	4.73	4.01	5.13	3.83	3.16
Asset Turnover	0.05	0.04	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.15	-0.28	-0.08	-0.07	-0.07
Cash Conversion Cycle	17.64	20.82	0.00	0.00	0.00
Days of Sales Outstanding	17.64	20.82	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	17.64	20.82	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.38	1.48	5.96	6.17	5.91
Free Cash Flow Per Share	0.83	1.71	5.75	5.60	5.75
CapEx Per Share	0.55	0.48	0.21	0.56	0.16
Free Cash Flow to Operating Cash Flow	0.60	1.16	0.96	0.91	0.97
Dividend Paid and CapEx Coverage Ratio	0.82	0.88	4.54	3.83	5.07
Capital Expenditure Coverage Ratio	2.50	3.12	28.51	10.98	38.08
Operating Cash Flow Coverage Ratio	0.07	0.07	0.23	0.20	0.52
Operating Cash Flow to Sales Ratio	0.09	0.11	0.35	0.41	0.50
Free Cash Flow Yield	2.99%	5.80%	16.13%	19.13%	19.83%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.69	14.61	10.89	10.39	9.21
Price-to-Sales (P/S) Ratio	1.82	2.13	2.09	1.94	2.44
Price-to-Book (P/B) Ratio	0.89	0.88	1.12	1.13	1.29
Price-to-Free Cash Flow (P/FCF) Ratio	33.40	17.23	6.20	5.23	5.04
Price-to-Operating Cash Flow Ratio	20.04	19.93	5.98	4.75	4.91
Price-to-Earnings Growth (PEG) Ratio	1.65	-0.38	0.68	-0.99	0.94
Price-to-Fair Value	0.89	0.88	1.12	1.13	1.29
Enterprise Value Multiple	13.18	18.71	8.92	10.55	6.32
Enterprise Value	642.17M	639.66M	405.39M	400.97M	258.96M
EV to EBITDA	13.18	18.71	8.92	10.55	6.32
EV to Sales	2.82	3.32	2.91	3.52	2.91
EV to Free Cash Flow	51.80	26.78	8.64	9.49	6.00
EV to Operating Cash Flow	31.09	30.97	8.33	8.63	5.84
Tangible Book Value Per Share	20.27	21.83	24.42	17.75	14.14
Shareholders’ Equity Per Share	30.99	33.38	31.89	25.95	22.50
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.19	0.17	0.15
Revenue Per Share	15.16	13.84	17.03	15.11	11.88
Net Income Per Share	1.88	2.02	3.27	2.82	3.15
Tax Burden	0.82	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	0.25	0.32	0.25	0.29	0.35
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	0.01
Income Quality	0.73	0.73	1.82	2.19	1.88

Currency in USD