ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
28.76
-0.45 (-1.54%)
At close: Mar 28, 2025, 4:00 PM
30.22
+1.46 (5.08%)
Pre-market: Mar 31, 2025, 8:27 AM EDT

COFS Statistics

Total Valuation

COFS has a market cap or net worth of $257.94 million. The enterprise value is $348.92 million.

Market Cap 257.94M
Enterprise Value 348.92M

Important Dates

The next estimated earnings date is Wednesday, April 23, 2025, after market close.

Earnings Date Apr 23, 2025
Ex-Dividend Date Mar 14, 2025

Share Statistics

COFS has 8.97 million shares outstanding. The number of shares has increased by 8.57% in one year.

Current Share Class 8.97M
Shares Outstanding 8.97M
Shares Change (YoY) +8.57%
Shares Change (QoQ) +4.75%
Owned by Insiders (%) 12.80%
Owned by Institutions (%) 32.02%
Float 7.34M

Valuation Ratios

The trailing PE ratio is 8.85 and the forward PE ratio is 8.56.

PE Ratio 8.85
Forward PE 8.56
PS Ratio 2.58
Forward PS 1.60
PB Ratio 0.99
P/TBV Ratio 1.29
P/FCF Ratio 5.50
P/OCF Ratio 5.30
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 13.05
EV / Sales 3.83
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 7.43

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 4.52
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 11.72%.

Return on Equity (ROE) 11.72%
Return on Assets (ROA) 1.01%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee $232,429
Profits Per Employee $68,181
Employee Count 392
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, COFS has paid $6.36 million in taxes.

Income Tax 6.36M
Effective Tax Rate 19.23%

Stock Price Statistics

The stock price has increased by +8.61% in the last 52 weeks. The beta is 0.74, so COFS's price volatility has been lower than the market average.

Beta (5Y) 0.74
52-Week Price Change +8.61%
50-Day Moving Average 31.72
200-Day Moving Average 31.34
Relative Strength Index (RSI) 32.40
Average Volume (20 Days) 57,586

Short Selling Information

The latest short interest is 76,682, so 0.85% of the outstanding shares have been sold short.

Short Interest 76,682
Short Previous Month 550,177
Short % of Shares Out 0.85%
Short % of Float 1.04%
Short Ratio (days to cover) 1.54

Income Statement

In the last 12 months, COFS had revenue of $91.11 million and earned $26.73 million in profits. Earnings per share was $3.25.

Revenue 91.11M
Gross Profit 91.11M
Operating Income 35.52M
Pretax Income 25.75M
Net Income 26.73M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $3.25
Full Income Statement

Balance Sheet

The company has $121.09 million in cash and $212.06 million in debt, giving a net cash position of -$90.97 million or -$10.14 per share.

Cash & Cash Equivalents 121.09M
Total Debt 212.06M
Net Cash -90.97M
Net Cash Per Share -$10.14
Equity (Book Value) 260.42M
Book Value Per Share 29.05
Working Capital -2.23B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $48.65 million and capital expenditures -$1.71 million, giving a free cash flow of $46.94 million.

Operating Cash Flow 48.65M
Capital Expenditures -1.71M
Free Cash Flow 46.94M
FCF Per Share $5.23
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 38.98%
Pretax Margin 36.32%
Profit Margin 29.33%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 51.52%

Dividends & Yields

This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 3.89%.

Dividend Per Share $1.12
Dividend Yield 3.89%
Dividend Growth (YoY) 3.77%
Years of Dividend Growth 4
Payout Ratio 34.46%
Buyback Yield -8.57%
Shareholder Yield -4.67%
Earnings Yield 10.36%
FCF Yield 18.20%
Dividend Details

Analyst Forecast

The average price target for COFS is $39.00, which is 35.61% higher than the current price. The consensus rating is "Strong Buy".

Price Target $39.00
Price Target Difference 35.61%
Analyst Consensus Strong Buy
Analyst Count 2
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Stock Splits

The last stock split was on May 9, 2018. It was a forward split with a ratio of 1.05:1.

Last Split Date May 9, 2018
Split Type Forward
Split Ratio 1.05:1

Scores

Altman Z-Score n/a
Piotroski F-Score 4