ChoiceOne Financial Services, Inc. (COFS)
NASDAQ: COFS · Real-Time Price · USD
34.03
-0.14 (-0.41%)
Aug 18, 2026, 4:00 PM EDT - Market closed

COFS Statistics

Total Valuation

COFS has a market cap or net worth of $508.94 million. The enterprise value is $763.10 million.

Market Cap508.94M
Enterprise Value 763.10M

Important Dates

The last earnings date was Friday, July 24, 2026, before market open.

Earnings Date Jul 24, 2026
Ex-Dividend Date Jun 15, 2026

Share Statistics

COFS has 14.96 million shares outstanding. The number of shares has increased by 38.55% in one year.

Current Share Class 14.96M
Shares Outstanding 14.96M
Shares Change (YoY) +38.55%
Shares Change (QoQ) -0.24%
Owned by Insiders (%) 8.33%
Owned by Institutions (%) 47.03%
Float 13.71M

Valuation Ratios

The trailing PE ratio is 9.38 and the forward PE ratio is 9.26.

PE Ratio 9.38
Forward PE 9.26
PS Ratio 3.00
Forward PS 2.85
PB Ratio 1.05
P/TBV Ratio 1.57
P/FCF Ratio 9.97
P/OCF Ratio 8.61
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 13.95
EV / Sales 4.49
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF 14.95

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF 6.75
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 11.97%.

Return on Equity (ROE) 11.97%
Return on Assets (ROA) 1.25%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Weighted Average Cost of Capital (WACC) 4.57%
Revenue Per Employee $284,144
Profits Per Employee $91,497
Employee Count598
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, COFS has paid $12.12 million in taxes.

Income Tax 12.12M
Effective Tax Rate 18.13%

Stock Price Statistics

The stock price has increased by +13.51% in the last 52 weeks. The beta is 0.62, so COFS's price volatility has been lower than the market average.

Beta (5Y) 0.62
52-Week Price Change +13.51%
50-Day Moving Average 33.45
200-Day Moving Average 30.64
Relative Strength Index (RSI) 51.52
Average Volume (20 Days) 81,222

Short Selling Information

The latest short interest is 311,568, so 2.08% of the outstanding shares have been sold short.

Short Interest 311,568
Short Previous Month 296,356
Short % of Shares Out 2.08%
Short % of Float 2.27%
Short Ratio (days to cover) 3.18

Income Statement

In the last 12 months, COFS had revenue of $169.92 million and earned $54.72 million in profits. Earnings per share was $3.63.

Revenue169.92M
Gross Profit 169.92M
Operating Income 75.32M
Pretax Income 66.83M
Net Income 54.72M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) $3.63
Full Income Statement

Balance Sheet

The company has $90.18 million in cash and $344.34 million in debt, with a net cash position of -$254.16 million or -$16.99 per share.

Cash & Cash Equivalents 90.18M
Total Debt 344.34M
Net Cash -254.16M
Net Cash Per Share -$16.99
Equity (Book Value) 482.68M
Book Value Per Share 32.29
Working Capital -3.78B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $59.10 million and capital expenditures -$8.05 million, giving a free cash flow of $51.04 million.

Operating Cash Flow 59.10M
Capital Expenditures -8.05M
Depreciation & Amortization n/a
Net Borrowing 96.29M
Free Cash Flow 51.04M
FCF Per Share $3.41
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 44.33%
Pretax Margin 39.33%
Profit Margin 32.20%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin 30.04%

Dividends & Yields

This stock pays an annual dividend of $1.16, which amounts to a dividend yield of 3.41%.

Dividend Per Share $1.16
Dividend Yield 3.41%
Dividend Growth (YoY) 3.60%
Years of Dividend Growth 5
Payout Ratio 31.96%
Buyback Yield -38.55%
Shareholder Yield -35.14%
Earnings Yield 10.75%
FCF Yield 10.03%
Dividend Details

Analyst Forecast

The average price target for COFS is $37.00, which is 8.73% higher than the current price. The consensus rating is "Buy".

Price Target $37.00
Price Target Difference 8.73%
Analyst Consensus Buy
Analyst Count 3
Revenue Growth Forecast (3Y) n/a
EPS Growth Forecast (3Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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