Choiceone Financial Services (COFS) Times Interest Earned (2010 - 2026)
Choiceone Financial Services' Times Interest Earned was 1.87 in 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) Times Interest Earned (2010 - 2026) Analysis & Trends
On a trailing twelve-month basis, Choiceone Financial Services' Times Interest Earned was 1.98 through Jun 30, 2026, up 50.2% year-over-year; for FY2025, it was 1.52, down 11.1% from FY2024.
- Times Interest Earned has now declined for four consecutive years.
- In earlier years, Times Interest Earned 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 marks the lowest quarterly Times Interest Earned since Q1 2025.
- Compared with a year earlier, Times Interest Earned was higher in five of the last six quarters, with growth averaging 10.1%.
- The best year-over-year quarter for Times Interest Earned over five years was Q3 2021 (growth of 47.7%); the worst was Q2 2023 (a decline of 67.6%).
- Per Business Quant data, COFS's Times Interest Earned in the three quarters before Q2 2026 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) | Times Interest Earned (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 Times Interest Earned 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=times-interest-earned&ticker=COFS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=COFS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();