Choiceone Financial Services (COFS) Interest Coverage Ratio (2010 - 2026)
Choiceone Financial Services' (COFS) Interest Coverage Ratio came in at 1.87 for Q2 2026, down 3.9% from 1.95 a year earlier and down 6.5% from the prior quarter.
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Analysis
Choiceone Financial Services (COFS) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Interest Coverage Ratio at Choiceone Financial Services was 1.98, up 50.2% year-over-year; for FY2025, it came in at 1.52, down 11.1% from FY2024.
- Annual Interest Coverage Ratio has declined for four consecutive years.
- In prior years, Choiceone Financial Services' Interest Coverage Ratio was 1.71 in FY2024 (-3.6%), 1.77 in FY2023 (-61.2%), 4.57 in FY2022 (-40.4%) and 7.66 in FY2021 (+51.2%).
- The Q2 2026 figure stands as the lowest quarterly Interest Coverage Ratio since Q1 2025.
- On a year-over-year basis, Interest Coverage Ratio increased in five of the last six quarters, with growth averaging 10.1%.
- The strongest year-over-year quarter for Interest Coverage Ratio in the past five years was Q3 2021, with growth of 47.7%; the weakest was Q2 2023, with a decline of 67.6%.
- According to Business Quant data, Interest Coverage Ratio for the three prior quarters was 2.00 (Q1 2026), 1.96 (Q4 2025) and 2.07 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 2.10 |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | -2.12 |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 1.65 |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 1.56 |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 1.43 |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 0.56 |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 1.47 |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 1.73 |
| 10 | Choiceone Financial Services | 483.05 Mn | 85.44 Mn | - | 1.87 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.87 |
| Mar 31, 2026 | 2.00 |
| Dec 31, 2025 | 1.96 |
| Sep 30, 2025 | 2.07 |
| Jun 30, 2025 | 1.95 |
| Mar 31, 2025 | -0.29 |
| Dec 31, 2024 | 1.75 |
| Sep 30, 2024 | 1.81 |
| Jun 30, 2024 | 1.71 |
| Mar 31, 2024 | 1.57 |
| Dec 31, 2023 | 1.57 |
| Sep 30, 2023 | 1.62 |
| Jun 30, 2023 | 1.87 |
| Mar 31, 2023 | 2.52 |
| Dec 31, 2022 | 3.37 |
| Sep 30, 2022 | 4.53 |
| Jun 30, 2022 | 5.77 |
| Mar 31, 2022 | 6.62 |
| Dec 31, 2021 | 6.71 |
| Sep 30, 2021 | 7.74 |
API Access
Choiceone Financial Services Interest Coverage Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=COFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "ticker": "COFS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-coverage-ratio&ticker=COFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();