ChoiceOne Financial Services, Inc. (COFS)

COFS Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	208	221	218	201	240	232
Market Cap Growth	8.84%	1.45%	8.61%	-16.46%	3.71%	156.21%
Enterprise Value	303	401	259	254	173	205
PE Ratio	9.78	10.40	9.22	9.10	15.38	32.30
PS Ratio	2.58	2.74	2.69	2.53	3.44	6.27
PB Ratio	1.01	1.13	1.29	0.91	1.06	1.21
P/FCF Ratio	4.24	5.23	4.97	5.74	36.25	27.45
P/OCF Ratio	3.95	4.76	4.84	5.32	28.33	25.17
EV/Sales Ratio	3.77	4.97	3.19	3.20	2.48	5.56
EV/EBITDA Ratio	7.96	10.56	6.32	6.52	6.51	17.70
EV/EBIT Ratio	11.79	15.69	9.37	9.58	9.16	24.24
EV/FCF Ratio	6.18	9.50	5.91	7.26	26.12	24.33
Debt / Equity Ratio	1.19	1.20	0.50	0.38	0.05	0.17
Debt / EBITDA Ratio	6.44	6.20	2.08	2.18	0.47	2.86
Debt / FCF Ratio	5.00	5.57	1.94	2.43	1.87	3.94
Asset Turnover	0.03	0.03	0.03	0.04	0.04	0.04
Return on Equity (ROE)	11.10%	11.70%	13.80%	9.90%	7.40%	6.40%
Return on Assets (ROA)	0.80%	0.80%	1.00%	1.00%	0.90%	0.80%
Return on Capital (ROIC)	4.70%	4.93%	9.30%	7.19%	6.51%	3.18%
Earnings Yield	10.22%	9.62%	10.85%	10.99%	6.50%	3.10%
FCF Yield	23.60%	19.11%	20.12%	17.41%	2.76%	3.64%
Dividend Yield	3.93%	3.60%	3.50%	3.50%	2.70%	4.40%
Payout Ratio	38.43%	37.20%	32.10%	32.80%	39.40%	88.60%
Buyback Yield / Dilution	-0.45%	-0.41%	0.79%	2.83%	-7.58%	-100.41%
Total Shareholder Return	3.48%	3.19%	4.29%	6.33%	-4.88%	-96.01%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).