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ChoiceOne Financial Services Inc (COFS)
NASDAQ:COFS
RESEARCH TOOLSreports
Total Valuation
ChoiceOne Financial Services has a market cap or net worth of $461.11M. The enterprise value is $522.23M.
Market Cap$461.11M
Enterprise Value$522.23M
Share Statistics
ChoiceOne Financial Services has 15,015,000 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding15,015,000
Owned by Insiders6.60%
Owned by Institutions12.91%
Financial Efficiency
ChoiceOne Financial Services’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 5.25%.
Return on Equity (ROE)0.10
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.25%
Return on Capital Employed (ROCE)0.09
Revenue Per Employee229.92K
Profits Per Employee44.18K
Employee Count605
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of ChoiceOne Financial Services is 24.8. ChoiceOne Financial Services’s PEG ratio is 0.68.
PE Ratio24.8
PS Ratio2.09
PB Ratio1.12
Price to Fair Value1.12
Price to FCF6.20
Price to Operating Cash Flow22.94
PEG Ratio0.68
Income Statement
In the last 12 months, ChoiceOne Financial Services had revenue of 139.10M and earned 26.73M in profits. Earnings per share was 3.27.
Revenue139.10M
Gross Profit91.81M
Operating Income33.09M
Pretax Income33.09M
Net Income26.73M
EBITDA45.42M
Earnings Per Share (EPS)3.27
Cash Flow
In the last 12 months, operating cash flow was 20.08M and capital expenditures -3.82M, giving a free cash flow of 16.26M billion.
Operating Cash Flow20.08M
Free Cash Flow16.26M
Free Cash Flow per Share1.08
Dividends & Yields
ChoiceOne Financial Services pays an annual dividend of $0.28, resulting in a dividend yield of 3.65%
Dividend Per Share$0.28
Dividend Yield3.65%
Payout Ratio31.44%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.89
52-Week Price Change4.58%
50-Day Moving Average29.88
200-Day Moving Average30.62
Relative Strength Index (RSI)51.69
Average Volume (3m)62.71K
Important Dates
ChoiceOne Financial Services upcoming earnings date is Oct 22, 2025, TBA (Confirmed).
Last Earnings DateJul 25, 2025
Next Earnings DateOct 22, 2025
Ex-Dividend DateSep 15, 2025
Financial Position
ChoiceOne Financial Services as a current ratio of 0.24, with Debt / Equity ratio of 57.14%
Current Ratio0.24
Quick Ratio0.24
Debt to Market Cap0.72
Net Debt to EBITDA2.52
Interest Coverage Ratio0.71
Taxes
In the past 12 months, ChoiceOne Financial Services has paid 6.36M in taxes.
Income Tax6.36M
Effective Tax Rate0.19
Enterprise Valuation
ChoiceOne Financial Services EV to EBITDA ratio is 8.92, with an EV/FCF ratio of 8.64.
EV to Sales2.91
EV to EBITDA8.92
EV to Free Cash Flow8.64
EV to Operating Cash Flow8.33
Balance Sheet
ChoiceOne Financial Services has $635.71M in cash and marketable securities with $246.71M in debt, giving a net cash position of -$389.00M billion.
Cash & Marketable Securities$635.71M
Total Debt$246.71M
Net Cash-$389.00M
Net Cash Per Share-$25.91
Tangible Book Value Per Share$24.42
Margins
Gross margin is 61.40%, with operating margin of 23.79%, and net profit margin of 19.21%.
Gross Margin61.40%
Operating Margin23.79%
Pretax Margin23.79%
Net Profit Margin19.21%
EBITDA Margin32.65%
EBIT Margin23.79%
Analyst Forecast
The average price target for ChoiceOne Financial Services is $36.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$36.00
Price Target Upside18.03% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast38.01%
EPS Growth Forecast-58.08%