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ChoiceOne Financial Services (COFS) Ratios
36 Followers
ChoiceOne Financial Services Ratios
COFS's free cash flow for Q2 2026 was $31.47M. For the 2026 fiscal year, COFS's free cash flow was increased by $1.52M and operating cash flow was $29.94M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.06 | 0.24 | 0.27 | 0.26 | 0.54 |
| Quick Ratio | 0.06 | 0.24 | 0.27 | 0.26 | 0.54 |
| Cash Ratio | 0.02 | 0.04 | 0.03 | 0.02 | 0.02 |
| Solvency Ratio | 0.01 | 0.02 | 0.01 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.13 | 0.31 | 2.32 | 0.89 | 0.75 |
| Net Current Asset Value | $ -3.72B | $ -1.89B | $ -1.81B | $ -1.64B | $ -1.01B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.08 | 0.09 | 0.04 | 0.04 |
| Debt-to-Equity Ratio | 0.67 | 0.81 | 1.20 | 0.50 | 0.38 |
| Debt-to-Capital Ratio | 0.40 | 0.45 | 0.55 | 0.34 | 0.28 |
| Long-Term Debt-to-Capital Ratio | 0.13 | 0.18 | 0.52 | 0.17 | 0.14 |
| Financial Leverage Ratio | 9.48 | 10.46 | 13.17 | 14.13 | 10.68 |
| Debt Service Coverage Ratio | 0.15 | 0.19 | 0.63 | 0.64 | 0.64 |
| Interest Coverage Ratio | 0.52 | 0.71 | 0.77 | 3.57 | 6.66 |
| Debt to Market Cap | 0.76 | 0.72 | 1.07 | 0.39 | 0.42 |
| Interest Debt Per Share | 27.21 | 31.52 | 35.63 | 12.39 | 11.59 |
| Net Debt to EBITDA | 4.17 | 2.52 | 4.74 | 1.01 | 1.37 |
| Profitability Margins | |||||
| Gross Profit Margin | 58.16% | 66.00% | 70.81% | 91.03% | 94.76% |
| EBIT Margin | 17.72% | 23.79% | 22.45% | 31.03% | 31.62% |
| EBITDA Margin | 28.03% | 32.65% | 33.36% | 46.00% | 46.44% |
| Operating Profit Margin | 17.72% | 23.79% | 22.45% | 31.03% | 31.62% |
| Pretax Profit Margin | 17.72% | 23.79% | 22.45% | 31.03% | 31.62% |
| Net Profit Margin | 14.61% | 19.21% | 18.67% | 26.52% | 26.30% |
| Continuous Operations Profit Margin | 14.61% | 19.21% | 18.67% | 26.52% | 26.30% |
| Net Income Per EBT | 82.41% | 80.77% | 83.16% | 85.47% | 83.18% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.64% | 0.98% | 0.83% | 0.99% | 0.93% |
| Return on Equity (ROE) | 6.05% | 10.26% | 10.87% | 14.00% | 9.94% |
| Return on Capital Employed (ROCE) | 6.05% | 9.34% | 5.88% | 12.69% | 10.02% |
| Return on Invested Capital (ROIC) | 3.48% | 5.25% | 4.68% | 8.82% | 7.01% |
| Return on Tangible Assets | 0.66% | 1.00% | 0.85% | 1.02% | 0.96% |
| Earnings Yield | 6.85% | 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 | 4.01 | 5.13 | 3.83 | 3.16 | 2.80 |
| Asset Turnover | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.07 | -0.08 | -0.07 | -0.07 | -0.08 |
| 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 | 2.28 | 5.96 | 6.17 | 5.91 | 4.91 |
| Free Cash Flow Per Share | 1.81 | 5.75 | 5.60 | 5.75 | 4.55 |
| Dividend Paid and CapEx Coverage Ratio | 1.35 | 4.54 | 3.83 | 5.07 | 3.79 |
| Capital Expenditure Coverage Ratio | 4.80 | 28.51 | 10.98 | 38.08 | 13.66 |
| Operating Cash Flow Coverage Ratio | 0.10 | 0.23 | 0.20 | 0.52 | 0.44 |
| Operating Cash Flow to Sales Ratio | 0.16 | 0.35 | 0.41 | 0.50 | 0.45 |
| Free Cash Flow Yield | 6.12% | 16.13% | 19.13% | 19.83% | 17.17% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 14.61 | 10.90 | 10.39 | 9.21 | 9.23 |
| Price-to-Sales (P/S) Ratio | 2.13 | 2.09 | 1.94 | 2.44 | 2.43 |
| Price-to-Book (P/B) Ratio | 0.88 | 1.12 | 1.13 | 1.29 | 0.92 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 16.34 | 6.20 | 5.23 | 5.04 | 5.82 |
| Price-to-Operating Cash Flow Ratio | 12.94 | 5.98 | 4.75 | 4.91 | 5.40 |
| Price-to-Earnings Growth (PEG) Ratio | -0.38 | 0.68 | -0.99 | 0.94 | 0.24 |
| Enterprise Value Multiple | 11.78 | 8.92 | 10.55 | 6.32 | 6.59 |
| Enterprise Value | 637.02M | 405.39M | 400.97M | 258.96M | 256.57M |
| EV to EBITDA | 11.78 | 8.92 | 10.55 | 6.32 | 6.59 |
| EV to Sales | 3.30 | 2.91 | 3.52 | 2.91 | 3.06 |
| EV to Free Cash Flow | 25.29 | 8.64 | 9.49 | 6.00 | 7.34 |
| EV to Operating Cash Flow | 20.02 | 8.33 | 8.63 | 5.84 | 6.81 |
| Tangible Book Value Per Share | 22.06 | 24.42 | 17.75 | 14.14 | 20.54 |
| Shareholders’ Equity Per Share | 33.38 | 31.89 | 25.95 | 22.50 | 28.86 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.18 | 0.19 | 0.17 | 0.15 | 0.17 |
| Revenue Per Share | 13.84 | 17.03 | 15.11 | 11.88 | 10.91 |
| Net Income Per Share | 2.02 | 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 | 0.32 | 0.26 | 0.29 | 0.35 | 0.36 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.13 | 1.82 | 2.19 | 1.88 | 1.71 |
Currency in USD
