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STOCKS

ChoiceOne Financial Services (COFS)

:COFS

COFS

ChoiceOne Financial Services

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ChoiceOne Financial Services (COFS) Ratios

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ChoiceOne Financial Services Ratios

COFS's free cash flow for Q1 2025 was $0.40. For the 2025 fiscal year, COFS's free cash flow was decreased by $ and operating cash flow was $-0.09. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.49	0.27	11.82	22.62	0.57
Quick Ratio	0.49	0.27	11.82	22.62	0.57
Cash Ratio	0.07	0.03	0.88	0.64	0.07
Solvency Ratio	0.28	0.01	0.01	0.01	1.60
Operating Cash Flow Ratio	0.01	0.02	0.90	0.75	<0.01
Short-Term Operating Cash Flow Coverage	0.00	1.55	0.90	0.75	0.00
Net Current Asset Value	$ -1.63B	$ -1.81B	$ -1.63B	$ -1.01B	$ 641.89M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.09	0.06	0.04	<0.01
Debt-to-Equity Ratio	0.17	1.20	0.80	0.38	0.05
Debt-to-Capital Ratio	0.15	0.55	0.44	0.28	0.05
Long-Term Debt-to-Capital Ratio	<0.01	0.51	0.17	0.14	0.05
Financial Leverage Ratio	7.27	13.17	14.13	10.68	8.45
Debt Service Coverage Ratio	2.19	0.34	0.64	0.64	5.02
Interest Coverage Ratio	1.80	0.77	4.57	6.66	4.07
Debt to Market Cap	<0.01	1.07	0.39	0.42	0.05
Interest Debt Per Share	8.37	35.63	19.06	11.58	2.27
Net Debt to EBITDA	2.23	7.04	2.23	1.37	-2.52
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	22.94%	31.65%	33.98%	33.19%	25.60%
EBITDA Margin	31.42%	31.65%	50.38%	48.75%	36.05%
Operating Profit Margin	22.94%	31.65%	43.50%	33.19%	25.60%
Pretax Profit Margin	22.94%	31.65%	33.98%	33.19%	25.60%
Net Profit Margin	19.44%	26.32%	29.05%	27.61%	21.17%
Continuous Operations Profit Margin	19.44%	26.32%	29.05%	27.61%	21.17%
Net Income Per EBT	84.71%	83.16%	85.47%	83.18%	82.67%
EBT Per EBIT	100.00%	100.00%	78.12%	100.00%	100.00%
Return on Assets (ROA)	0.99%	0.83%	0.99%	0.93%	0.81%
Return on Equity (ROE)	14.00%	10.87%	14.00%	9.94%	6.87%
Return on Capital Employed (ROCE)	1.52%	5.88%	1.52%	1.14%	2.43%
Return on Invested Capital (ROIC)	1.83%	2.17%	1.83%	0.94%	8.15%
Return on Tangible Assets	1.02%	0.85%	1.02%	0.96%	0.84%
Earnings Yield	10.86%	9.62%	10.86%	10.83%	6.74%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.54	2.72	2.88	2.67	2.47
Asset Turnover	0.03	0.03	0.03	0.03	0.04
Working Capital Turnover Ratio	-0.22	-0.04	0.10	0.27	-0.16
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	2.03	6.17	6.00	4.91	1.13
Free Cash Flow Per Share	1.86	5.60	5.84	4.55	0.88
CapEx Per Share	0.17	0.56	0.16	0.36	0.25
Free Cash Flow to Operating Cash Flow	0.92	0.91	0.97	0.93	0.78
Dividend Paid and CapEx Coverage Ratio	1.40	3.83	5.15	3.79	1.06
Capital Expenditure Coverage Ratio	12.01	10.98	38.67	13.66	4.58
Operating Cash Flow Coverage Ratio	0.28	0.20	0.33	0.44	0.68
Operating Cash Flow to Sales Ratio	0.25	0.58	0.55	0.47	0.11
Free Cash Flow Yield	20.15%	19.13%	20.15%	17.16%	2.86%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	20.18	10.39	9.21	9.24	14.84
Price-to-Sales (P/S) Ratio	3.92	2.73	2.67	2.55	3.14
Price-to-Book (P/B) Ratio	0.76	1.13	1.29	0.92	1.02
Price-to-Free Cash Flow (P/FCF) Ratio	17.16	5.23	4.96	5.83	34.98
Price-to-Operating Cash Flow Ratio	15.73	4.75	4.83	5.40	27.33
Price-to-Earnings Growth (PEG) Ratio	-0.91	-0.99	0.94	0.24	0.47
Price-to-Fair Value	0.76	1.13	1.29	0.92	1.02
Enterprise Value Multiple	10.29	15.68	7.54	6.60	6.19
Enterprise Value	308.94M	400.98M	308.94M	256.72M	164.64M
EV to EBITDA	7.54	15.68	7.54	6.60	6.19
EV to Sales	3.80	4.96	3.80	3.22	2.23
EV to Free Cash Flow	7.04	9.49	7.04	7.35	24.85
EV to Operating Cash Flow	6.86	8.63	6.86	6.81	19.42
Tangible Book Value Per Share	285.60	17.75	14.14	20.53	244.84
Shareholders’ Equity Per Share	42.02	25.95	22.50	28.84	30.22
Tax and Other Ratios
Effective Tax Rate	0.15	0.17	0.15	0.17	0.17
Revenue Per Share	8.15	10.72	10.85	10.39	9.81
Net Income Per Share	1.58	2.82	3.15	2.87	2.08
Tax Burden	0.85	0.83	0.85	0.83	0.83
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.37	0.41	0.37	0.37	0.36
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.01	<0.01
Income Quality	1.90	2.19	1.90	1.71	0.54

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