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ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
32.78
-0.17 (-0.52%)
Sep 29, 2026, 4:00 PM EDT - Market closed

COFS Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
490444319221218201
Market Cap Growth
11.24%38.92%44.41%1.45%8.61%-16.46%
Last Close Price
32.9528.7133.3726.4325.1121.94

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.0315.7411.9510.409.229.10
PS Ratio
2.893.033.502.742.702.53
PB Ratio
1.020.951.231.131.290.91
P/FCF Ratio
9.6217.617.045.255.055.74
P/OCF Ratio
8.3113.946.784.774.925.32

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.710.680.811.200.540.38
Debt / FCF Ratio
6.7512.624.665.592.112.43
Net Debt / Equity Ratio
0.530.470.350.880.230.24
Net Debt / FCF Ratio
4.988.721.994.070.881.52
Return on Equity (ROE)
11.97%7.76%11.72%11.67%12.11%9.82%
Return on Assets (ROA)
1.25%0.79%1.01%0.86%1.00%1.03%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
11.15%6.35%8.37%9.62%10.85%10.99%
FCF Yield
10.40%5.68%14.21%19.04%19.81%17.41%
Dividend Yield
3.54%3.94%3.27%3.97%4.02%4.28%
Payout Ratio
31.96%60.15%33.72%37.20%32.06%32.66%
Buyback Yield / Dilution
-38.55%-70.20%-8.57%-0.60%2.28%-2.27%
Total Shareholder Return
-35.02%-66.26%-5.30%3.38%6.30%2.01%
SEC Filings: 10-K · 10-Q