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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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36 Followers

ChoiceOne Financial Services Ratios

COFS's free cash flow for Q3 2025 was $0.72. For the 2025 fiscal year, COFS's free cash flow was decreased by $ and operating cash flow was $0.30. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.03	0.24	0.27	11.82	22.62
Quick Ratio	0.03	0.24	0.27	11.82	22.62
Cash Ratio	0.03	0.04	0.03	0.88	0.64
Solvency Ratio	0.01	0.02	0.01	0.01	0.01
Operating Cash Flow Ratio	0.01	0.02	0.02	0.90	0.75
Short-Term Operating Cash Flow Coverage	0.84	0.31	2.32	0.90	0.75
Net Current Asset Value	$ -3.74B	$ -1.89B	$ -1.81B	$ -1.63B	$ -1.01B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.08	0.09	0.06	0.04
Debt-to-Equity Ratio	0.55	0.81	1.20	0.80	0.38
Debt-to-Capital Ratio	0.35	0.45	0.55	0.44	0.28
Long-Term Debt-to-Capital Ratio	0.30	0.18	0.52	0.17	0.14
Financial Leverage Ratio	9.56	10.46	13.17	14.13	10.68
Debt Service Coverage Ratio	0.36	0.19	0.63	0.64	0.64
Interest Coverage Ratio	0.44	0.71	0.77	4.57	6.66
Debt to Market Cap	0.55	0.72	1.07	0.39	0.42
Interest Debt Per Share	20.45	31.52	35.63	19.06	11.58
Net Debt to EBITDA	3.36	2.52	4.74	2.23	1.37
Profitability Margins
Gross Profit Margin	63.45%	66.00%	70.94%	100.00%	100.00%
EBIT Margin	12.89%	23.79%	22.45%	33.98%	33.19%
EBITDA Margin	21.61%	32.65%	33.36%	50.38%	48.75%
Operating Profit Margin	12.89%	23.79%	22.45%	43.50%	33.19%
Pretax Profit Margin	12.89%	23.79%	22.45%	33.98%	33.19%
Net Profit Margin	10.57%	19.21%	18.67%	29.05%	27.61%
Continuous Operations Profit Margin	10.57%	19.21%	18.67%	29.05%	27.61%
Net Income Per EBT	81.94%	80.77%	83.16%	85.47%	83.18%
EBT Per EBIT	100.00%	100.00%	100.00%	78.12%	100.00%
Return on Assets (ROA)	0.50%	0.98%	0.83%	0.99%	0.93%
Return on Equity (ROE)	5.47%	10.26%	10.87%	14.00%	9.94%
Return on Capital Employed (ROCE)	3.85%	9.34%	5.88%	1.52%	1.14%
Return on Invested Capital (ROIC)	2.94%	5.25%	4.68%	1.83%	0.94%
Return on Tangible Assets	0.52%	1.00%	0.85%	1.02%	0.96%
Earnings Yield	4.85%	9.18%	9.63%	10.86%	10.83%
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	4.40	5.13	3.83	2.88	2.67
Asset Turnover	0.05	0.05	0.04	0.03	0.03
Working Capital Turnover Ratio	-0.06	-0.08	-0.07	0.10	0.27
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	2.79	5.96	6.17	6.00	4.91
Free Cash Flow Per Share	2.44	5.75	5.60	5.84	4.55
CapEx Per Share	0.35	0.21	0.56	0.16	0.36
Free Cash Flow to Operating Cash Flow	0.88	0.96	0.91	0.97	0.93
Dividend Paid and CapEx Coverage Ratio	2.06	4.54	3.83	5.15	3.79
Capital Expenditure Coverage Ratio	8.08	28.51	10.98	38.67	13.66
Operating Cash Flow Coverage Ratio	0.17	0.23	0.20	0.33	0.44
Operating Cash Flow to Sales Ratio	0.21	0.35	0.41	0.55	0.47
Free Cash Flow Yield	8.25%	16.13%	19.13%	20.15%	17.16%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	20.63	10.89	10.39	9.21	9.24
Price-to-Sales (P/S) Ratio	2.19	2.09	1.94	2.67	2.55
Price-to-Book (P/B) Ratio	0.98	1.12	1.13	1.29	0.92
Price-to-Free Cash Flow (P/FCF) Ratio	12.13	6.20	5.23	4.96	5.83
Price-to-Operating Cash Flow Ratio	10.60	5.98	4.75	4.83	5.40
Price-to-Earnings Growth (PEG) Ratio	1.53	0.68	-0.99	0.94	0.24
Price-to-Fair Value	0.98	1.12	1.13	1.29	0.92
Enterprise Value Multiple	13.47	8.92	10.55	7.54	6.60
Enterprise Value	591.49M	405.39M	400.97M	308.94M	256.72M
EV to EBITDA	13.47	8.92	10.55	7.54	6.60
EV to Sales	2.91	2.91	3.52	3.80	3.22
EV to Free Cash Flow	16.15	8.64	9.49	7.04	7.35
EV to Operating Cash Flow	14.15	8.33	8.63	6.86	6.81
Tangible Book Value Per Share	19.44	24.42	17.75	14.14	20.53
Shareholders’ Equity Per Share	30.01	31.89	25.95	22.50	28.84
Tax and Other Ratios
Effective Tax Rate	0.18	0.19	0.17	0.15	0.17
Revenue Per Share	13.56	17.03	15.11	10.85	10.39
Net Income Per Share	1.43	3.27	2.82	3.15	2.87
Tax Burden	0.82	0.81	0.83	0.85	0.83
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	0.24	0.25	0.29	0.37	0.37
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	0.01
Income Quality	1.95	1.82	2.19	1.90	1.71

Currency in USD