What is ChoiceOne Financial's free cash flow margin?

ChoiceOne Financial (COFS) reported free cash flow margin of 19.5% in Q1 2026.

What is the long-term trend for ChoiceOne Financial's free cash flow margin?

Over 2 years (2021 to 2025), ChoiceOne Financial's free cash flow margin has grown at a -40.3% compound annual growth rate (CAGR), from 43.8% to 15.6%.

What does free cash flow margin mean?

Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

ChoiceOne Financial COFS Free cash flow margin

Free cash flow margin at other companies

Ally FinancialALLY

55.3%—

Huntington BancsharesHBAN

24.4%+0.6pp

Financial InstitutionsFISI

33%-35.0pp

Capital City Bank GroupCCBG

29.5%+3.6pp

Pioneer Bancorp, Inc.PBFS

32.4%—

STB

S&T BancorpSTBA

34.9%-4.9pp

Other financials

Income statement

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Revenue$42.5M+35.9%

Net income$13.7M+199%

EPS (diluted)$0.91+171%

Balance sheet

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Cash & equivalents$84.2M-39.6%

Total debt$2.9M+360%

Total equity$470.0M+10.1%

Total assets$4.4B+2.1%

Cash flow

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Operating cash flow-$177.0K+98.1%

CapEx$1.5M+82.5%

Free cash flow-$1.7M+83.4%

Valuation

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Market cap$490.73M+17.4%

P/E8.8×-49.4×

P/S2.8×-1.2×

Profitability

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Net margin32.3%+25.3pp

Returns & leverage

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Return on equity12.4%+10.2pp

Debt / equity0×0.0×

Where this comes from

Calculated from ChoiceOne Financial’s reported figures.

free cash flow/total revenue=19.5%

Based on trailing twelve months.

The official record: ChoiceOne Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is ChoiceOne Financial's free cash flow margin?: ChoiceOne Financial (COFS) reported free cash flow margin of 19.5% in Q1 2026.
What is the long-term trend for ChoiceOne Financial's free cash flow margin?: Over 2 years (2021 to 2025), ChoiceOne Financial's free cash flow margin has grown at a -40.3% compound annual growth rate (CAGR), from 43.8% to 15.6%.
What does free cash flow margin mean?: Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.