ChoiceOne Financial Services, I — Earnings Quality Grade F
COFS · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue grew 75.0% but CFFO declined -32.4%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 288.5% is >2x revenue growth 75.0%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.13. Profits backed by cash
FCF $0.0B, FCF/NI = 0.89
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers only 28% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 34% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 159% YoY
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
ChoiceOne Financial Services, I is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25