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ChoiceOne Financial COFS Free cash flow margin

Free cash flow margin at other companies

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Ally FinancialALLY
55.3%
Huntington Bancshares logo
Huntington BancsharesHBAN
27.6%
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Financial InstitutionsFISI
33%-35.0pp
Capital City Bank Group logo
Capital City Bank GroupCCBG
20.2%-8.4pp
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Pioneer Bancorp, Inc.PBFS
32.4%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp

Other financials

Income statement

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Revenue$41.6M-2.8%
Net income$12.5M-7.9%
EPS (diluted)$0.83-7.8%

Balance sheet

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Cash & equivalents$88.6M-43.3%
Total debt$2.9M+360%
Total equity$482.7M+11.8%
Total assets$4.5B+3.4%

Cash flow

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Operating cash flow$29.9M+152%
CapEx$2.8M+35.6%
Free cash flow$27.1M+177%

Valuation

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Market cap$508.32M+16.9%
P/E9.3×-21.5×
P/S-0.6×

Profitability

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Net margin31.9%+20.4pp

Returns & leverage

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Return on equity12%+7.6pp
Debt / equity0.0×

Where this comes from

Calculated from ChoiceOne Financial’s reported figures.

Based on trailing twelve months.

The source filing: ChoiceOne Financial’s 10-Q, filed August 10, 2026. Open the filing →

Filed
Aug 10, 2026, 4:06 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-342347

FAQ

What is ChoiceOne Financial's free cash flow margin?
ChoiceOne Financial (COFS) reported free cash flow margin of 29.7% in Q2 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.

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