Choiceone Financial Services (COFS) Interest Coverage Ratio (2010 - 2026)
Choiceone Financial Services (COFS) posted quarterly Interest Coverage Ratio of 1.3 for Q1 2026, up 77.67% year-over-year from 0.73 in Q1 2025, and down 26.49% quarter-over-quarter from 1.77 in Q4 2025.
Choiceone Financial Services (COFS) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Choiceone Financial Services' Interest Coverage Ratio history runs 17 years deep, the most recent figure standing at 1.3 for Q1 2026.
- In Q1 2026, Interest Coverage Ratio rose 77.67% year-over-year to 1.3; the TTM figure through Mar 2026 stood at 4.97 (up 95.36% YoY), while the FY2025 annual figure was 1.52, down 1.45% from the prior year.
- Interest Coverage Ratio for Q1 2026 stood at 1.3, down from 1.77 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 3.58 in Q4 2022, with the low at 0.73 in Q1 2025.
- The 5-year median for Interest Coverage Ratio is 1.12 (2024), against an average of 1.29.
- The sharpest annual moves came in 2022 and 2025: Interest Coverage Ratio plunged 86.24% in 2022, then surged 137.87% in 2025.
- Choiceone Financial Services' Interest Coverage Ratio stood at 3.58 in 2022, then tumbled by 59.77% to 1.44 in 2023, then plunged by 48.31% to 0.74 in 2024, then soared by 137.87% to 1.77 in 2025, then declined by 26.49% to 1.3 in 2026.
- Business Quant data shows COFS's Interest Coverage Ratio at 1.3 in Q1 2026, 1.77 in Q4 2025, and 1.3 in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 1.90 |
| 10 | Choiceone Financial Services | 494.21 Mn | 396.07 Mn | - | 1.87 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.31 |
| Mar 31, 2026 | 1.30 |
| Dec 31, 2025 | 1.77 |
| Sep 30, 2025 | 1.30 |
| Jun 30, 2025 | 1.24 |
| Mar 31, 2025 | 0.73 |
| Dec 31, 2024 | 0.74 |
| Sep 30, 2024 | 1.15 |
| Jun 30, 2024 | 1.12 |
| Mar 31, 2024 | 1.10 |
| Dec 31, 2023 | 1.44 |
| Sep 30, 2023 | 1.07 |
| Jun 30, 2023 | 1.08 |
| Mar 31, 2023 | 1.08 |
| Dec 31, 2022 | 3.58 |
| Sep 30, 2022 | 1.07 |
| Jun 30, 2022 | 1.09 |
| Mar 31, 2022 | 1.15 |
| Dec 31, 2021 | 6.61 |
| Sep 30, 2021 | 7.74 |