ChoiceOne Financial Services, Inc. (COFS)

COFS Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May 8, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Cap	471	443	320	221	218	201
Market Cap Growth	90.59%	38.59%	44.48%	1.49%	8.61%	-16.47%
Enterprise Value	620.1	756.08	530.28	456.67	303.17	285.66
Last Close Price	31.48	29.52	35.64	29.30	29.00	26.49
PE Ratio	8.52	14.69	10.97	10.39	9.21	9.26
PS Ratio	2.75	3.01	3.48	2.74	2.69	2.53
PB Ratio	1.00	0.95	1.23	1.13	1.29	0.91
P/TBV Ratio	1.01	0.89	1.13	1.13	1.29	0.92
P/FCF Ratio	-	17.58	7.04	5.25	5.05	5.74
P/OCF Ratio	-	13.92	6.79	4.77	4.92	5.32
EV/Sales Ratio	3.63	5.15	5.78	5.66	3.74	3.60
EV/EBITDA Ratio	-	38.05	43.00	36.74	22.72	22.99
EV/FCF Ratio	-	30.02	11.69	10.85	7.02	8.18
Debt / Equity Ratio	0.50	0.67	0.81	1.20	0.50	0.38
Debt / EBITDA Ratio	-	15.77	17.09	18.95	6.39	6.84
Debt / FCF Ratio	-	12.44	4.64	5.59	1.98	2.43
Net Debt / Equity Ratio	0.50	0.67	0.81	1.20	0.51	0.38
Net Debt / EBITDA Ratio	-	15.77	17.09	18.95	6.39	6.84
Net Debt / FCF Ratio	-	12.44	4.64	5.59	1.98	2.43
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.04
Return on Equity (ROE)	11.93%	7.76%	11.72%	11.67%	12.11%	9.82%
Earnings Yield	11.85%	6.81%	9.12%	9.62%	10.86%	10.80%
FCF Yield	-	5.69%	14.20%	19.04%	19.81%	17.41%
Dividend Yield	3.68%	4.12%	3.10%	3.58%	3.48%	3.54%
Payout Ratio	30.86%	60.15%	33.72%	37.20%	32.06%	32.66%
Buyback Yield / Dilution	-67.78%	-70.20%	-8.57%	-0.60%	2.28%	-2.27%
Total Shareholder Return	-64.10%	-66.08%	-5.47%	2.99%	5.76%	1.26%

Updated Apr 24, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q