ChoiceOne Financial Services

ChoiceOne Financial Services FCF/Debt

The Free Cash Flow to Debt Ratio of ChoiceOne Financial Services (COFS) as of Nov 4, 2026 is 8.58 %. In the previous year, Free Cash Flow to Debt Ratio was 24.61 % — a change of -65.12% (lower).

FCF/Debt

8.58 %

YoY

-65.12%

Last updated:

Free Cash Flow to Debt Ratio of ChoiceOne Financial Services is 2025 8.58 % . Free Cash Flow to Debt Ratio of ChoiceOne Financial Services was 2024 24.61 % . It decreases by -65.12% lower compared to the previous year.

The ChoiceOne Financial Services FCF/Debt history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

FCF/Debt
Date
FCF/Debt
Jan 1, 2017
90.62 USD
Jan 1, 2018
119.75 USD
Jan 1, 2020
213.74 USD
Jan 1, 2021
99.83 USD
Jan 1, 2022
124.23 USD
Jan 1, 2023
20.56 USD
Jan 1, 2024
24.61 USD
Jan 1, 2025
8.58 USD
The ChoiceOne Financial Services FCF/Debt history
YEARFCF/DebtYoY
8.58 %-65.12%
24.61 %+19.70%
20.56 %-83.45%
124.23 %+24.44%
99.83 %-53.29%
213.74 %+78.49%
119.75 %+32.15%
90.62 %-21.40%
115.29 %+272.54%
30.95 %+23.57%
25.04 %—

Access this data via the Eulerpool API

100,000 free requests/mo · no credit card

ChoiceOne Financial Services Stock analysis

What does ChoiceOne Financial Services do? ChoiceOne Financial Services Inc was founded in 1898 and has since been an important part of the financial industry in Michigan, USA. The company's business model is based on offering its customers a wide range of financial services while addressing their needs and desires. An important aspect for ChoiceOne is that all services and products are in line with the company's values and principles. This means that transparency, integrity, and building trust are of great importance in all aspects of ChoiceOne's business operations. ChoiceOne is divided into different divisions, each covering a specific area of financial services. The divisions include retail banking, small business, wealth management, and mortgages. In the retail banking division, ChoiceOne offers various services, including checking accounts, savings accounts, credit cards, online banking, and auto financing. Additionally, ChoiceOne has expertise in advising young adults who are seeking financial independence for the first time and are able to manage their own assets. In the small business division, ChoiceOne focuses on supporting businesses and their finances. The company offers various products and services that have evolved over the years and adapted to the needs of businesses. Existing customers are convinced of the favorable conditions and the easy-oriented service. For wealth management, ChoiceOne offers various services, each aiming to provide its customers with comprehensive and individual care, including services from investment advisors. ChoiceOne manages a portfolio of clients with different needs, incomes, and assets, with a primary focus on achieving financial goals. In terms of mortgages, various types of financing models are available, which are chosen based on customer needs and the real estate market situation. These include conventional, jumbo mortgages, as well as RD, FHA, and VA financing. Over the years, ChoiceOne has distinguished itself through continuous growth and a strong market presence. The company has always offered its customers excellent service and reliable products. Additionally, the company is known for its customer-oriented approach and its ability to offer its customers innovative and tailored financial solutions. The goal of ChoiceOne is to provide its customers with a smooth and easy banking experience while addressing the individual needs of each customer. Due to its experience, diverse products, and excellent customer relations, the company enjoys a strong position in the market. ChoiceOne Financial Services is one of the most popular companies on Eulerpool.

Frequently Asked Questions about ChoiceOne Financial Services stock

Free Cash Flow to Debt Ratio of ChoiceOne Financial Services is 8.58 % in 2025.

Free Cash Flow to Debt Ratio of ChoiceOne Financial Services changed from 24.61 % to 8.58 %, representing a -65.12% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Free Cash Flow to Debt Ratio ChoiceOne Financial Services since 2006 – with annual values, charts, and detailed analysis.

FCF/Debt measures the percentage of total debt that could be repaid from free cash flow. It is a stricter measure than OCF/Debt as it accounts for capital expenditures.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Free Cash Flow to Debt Ratio's ChoiceOne Financial Services with sector peers and the industry average to assess whether it is attractive.

Access this data via the Eulerpool API

100,000 free requests/mo · no credit card

Leverage — ChoiceOne Financial Services

All Key Metrics — ChoiceOne Financial Services