ChoiceOne Financial Services, Inc. (COFS)

COFS Statistics

Total Valuation

COFS has a market cap or net worth of $246.15 million. The enterprise value is $337.08 million.

Market Cap	246.15M
Enterprise Value	337.08M

Important Dates

The next estimated earnings date is Friday, May 2, 2025, after market close.

Earnings Date	May 2, 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 (%)	12.98%
Owned by Institutions (%)	32.17%
Float	7.33M

Valuation Ratios

The trailing PE ratio is 8.44 and the forward PE ratio is 8.17.

PE Ratio	8.44
Forward PE	8.17
PS Ratio	2.46
Forward PS	1.53
PB Ratio	0.94
P/TBV Ratio	1.23
P/FCF Ratio	5.24
P/OCF Ratio	5.06
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	12.61
EV / Sales	3.70
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.18

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 +13.60% in the last 52 weeks. The beta is 0.63, so COFS's price volatility has been lower than the market average.

Beta (5Y)	0.63
52-Week Price Change	+13.60%
50-Day Moving Average	29.22
200-Day Moving Average	31.32
Relative Strength Index (RSI)	49.57
Average Volume (20 Days)	69,024

Short Selling Information

The latest short interest is 70,022, so 0.78% of the outstanding shares have been sold short.

Short Interest	70,022
Short Previous Month	76,682
Short % of Shares Out	0.78%
Short % of Float	0.96%
Short Ratio (days to cover)	1.18

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

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

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

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 4.08%.

Dividend Per Share	$1.12
Dividend Yield	4.08%
Dividend Growth (YoY)	3.77%
Years of Dividend Growth	4
Payout Ratio	34.46%
Buyback Yield	-8.57%
Shareholder Yield	-4.43%
Earnings Yield	10.86%
FCF Yield	19.07%

Analyst Forecast

The average price target for COFS is $39.00, which is 42.10% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$39.00
Price Target Difference	42.10%
Analyst Consensus	Strong Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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