ChoiceOne Financial Services Inc (COFS)
NASDAQ:COFS
Total Valuation
ChoiceOne Financial Services has a market cap or net worth of $425.34M. The enterprise value is $653.45M.
Market Cap$425.34M
Enterprise Value$653.45M
Share Statistics
ChoiceOne Financial Services has 14,981,917 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding14,981,917
Owned by Insiders6.61%
Owned by Institutions3.54%
Financial Efficiency
ChoiceOne Financial Services’s return on equity (ROE) is 0.06 and return on invested capital (ROIC) is 3.31%.
Return on Equity (ROE)0.06
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.31%
Return on Capital Employed (ROCE)<0.01
Revenue Per Employee318.82K
Profits Per Employee46.57K
Employee Count605
Asset Turnover0.04
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of ChoiceOne Financial Services is 14.6. ChoiceOne Financial Services’s PEG ratio is -0.38.
PE Ratio14.6
PS Ratio2.13
PB Ratio0.88
Price to Fair Value0.88
Price to FCF17.23
Price to Operating Cash Flow20.64
PEG Ratio-0.38
Income Statement
In the last 12 months, ChoiceOne Financial Services had revenue of 192.89M and earned 28.18M in profits. Earnings per share was 2.02.
Revenue192.89M
Gross Profit112.19M
Operating Income34.19M
Pretax Income34.19M
Net Income28.18M
EBITDA34.19M
Earnings Per Share (EPS)2.02
Cash Flow
In the last 12 months, operating cash flow was 20.65M and capital expenditures -8.26M, giving a free cash flow of 12.40M billion.
Operating Cash Flow20.65M
Free Cash Flow12.40M
Free Cash Flow per Share0.83
Dividends & Yields
ChoiceOne Financial Services pays an annual dividend of $0.29, resulting in a dividend yield of 3.69%
Dividend Per Share$0.29
Dividend Yield3.69%
Payout Ratio31.65%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.79
52-Week Price Change13.11%
50-Day Moving Average28.47
200-Day Moving Average28.78
Relative Strength Index (RSI)51.89
Average Volume (3m)83.75K
Important Dates
ChoiceOne Financial Services upcoming earnings date is Apr 29, 2026, TBA (Confirmed).
Last Earnings DateJan 30, 2026
Next Earnings DateApr 29, 2026
Ex-Dividend Date―
Financial Position
ChoiceOne Financial Services as a current ratio of 2.61, with Debt / Equity ratio of 67.93%
Current Ratio2.61
Quick Ratio2.61
Debt to Market Cap0.76
Net Debt to EBITDA6.67
Interest Coverage Ratio0.52
Taxes
In the past 12 months, ChoiceOne Financial Services has paid 6.01M in taxes.
Income Tax6.01M
Effective Tax Rate0.18
Enterprise Valuation
ChoiceOne Financial Services EV to EBITDA ratio is 18.71, with an EV/FCF ratio of 26.78.
EV to Sales3.32
EV to EBITDA18.71
EV to Free Cash Flow26.78
EV to Operating Cash Flow30.97
Balance Sheet
ChoiceOne Financial Services has $642.41M in cash and marketable securities with $316.10M in debt, giving a net cash position of $326.31M billion.
Cash & Marketable Securities$642.41M
Total Debt$316.10M
Net Cash$326.31M
Net Cash Per Share$21.78
Tangible Book Value Per Share$21.83
Margins
Gross margin is 64.55%, with operating margin of 17.72%, and net profit margin of 14.61%.
Gross Margin64.55%
Operating Margin17.72%
Pretax Margin17.72%
Net Profit Margin14.61%
EBITDA Margin17.72%
EBIT Margin17.72%
Analyst Forecast
The average price target for ChoiceOne Financial Services is ―, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target―
Price Target Upside―
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast50.36%
EPS Growth Forecast-56.64%