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ChoiceOne Financial Services (COFS)
:COFS
RESEARCH TOOLSreports
Total Valuation
ChoiceOne Financial Services has a market cap or net worth of $442.19M. The enterprise value is $308.94M.
Market Cap$442.19M
Enterprise Value$308.94M
Share Statistics
ChoiceOne Financial Services has 14,984,253 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding14,984,253
Owned by Insiders6.15%
Owned by Institutions15.91%
Financial Efficiency
ChoiceOne Financial Services’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 5.41%.
Return on Equity (ROE)0.10
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.41%
Return on Capital Employed (ROCE)0.10
Revenue Per Employee152.79K
Profits Per Employee44.18K
Employee Count605
Asset Turnover0.03
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of ChoiceOne Financial Services is 10.89. ChoiceOne Financial Services’s PEG ratio is -0.91.
PE Ratio10.89
PS Ratio0.00
PB Ratio0.76
Price to Fair Value1.12
Price to FCF17.16
Price to Operating Cash Flow15.73
PEG Ratio-0.91
Income Statement
In the last 12 months, ChoiceOne Financial Services had revenue of 92.44M and earned 26.73M in profits. Earnings per share was 3.09.
Revenue92.44M
Gross Profit91.81M
Operating Income34.13M
Pretax Income33.09M
Net Income26.73M
EBITDA34.13M
Earnings Per Share (EPS)3.09
Cash Flow
In the last 12 months, operating cash flow was 26.86M and capital expenditures -2.23M, giving a free cash flow of 24.63M billion.
Operating Cash Flow26.86M
Free Cash Flow24.63M
Free Cash Flow per Share1.64
Dividends & Yields
ChoiceOne Financial Services pays an annual dividend of $1.38, resulting in a dividend yield of 3.79%
Dividend Per Share$1.38
Dividend Yield3.79%
Payout Ratio39.54%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.83
52-Week Price Change13.48%
50-Day Moving Average28.10
200-Day Moving Average30.99
Relative Strength Index (RSI)42.04
Average Volume (3m)67.08K
Important Dates
ChoiceOne Financial Services upcoming earnings date is Jul 23, 2025, TBA Not Confirmed.
Last Earnings DateApr 30, 2025
Next Earnings DateJul 23, 2025
Ex-Dividend DateJun 13, 2025
Financial Position
ChoiceOne Financial Services as a current ratio of 0.24, with Debt / Equity ratio of 17.44%
Current Ratio0.24
Quick Ratio0.24
Debt to Market Cap0.72
Net Debt to EBITDA3.35
Interest Coverage Ratio0.73
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 11.88, with an EV/FCF ratio of 8.64.
EV to Sales4.39
EV to EBITDA11.88
EV to Free Cash Flow8.64
EV to Operating Cash Flow8.33
Balance Sheet
ChoiceOne Financial Services has $620.07M in cash and marketable securities with $185.52M in debt, giving a net cash position of -$434.56M billion.
Cash & Marketable Securities$620.07M
Total Debt$185.52M
Net Cash-$434.56M
Net Cash Per Share-$29.00
Tangible Book Value Per Share$24.41
Margins
Gross margin is 100.00%, with operating margin of 36.92%, and net profit margin of 28.91%.
Gross Margin100.00%
Operating Margin36.92%
Pretax Margin35.80%
Net Profit Margin28.91%
EBITDA Margin36.92%
EBIT Margin35.80%
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 Upside21.99% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast24.39%
EPS Growth Forecast-56.57%