ChoiceOne Financial Services, Inc. (COFS)

COFS Statistics

Total Valuation

COFS has a market cap or net worth of $446.18 million. The enterprise value is $593.32 million.

Market Cap	446.18M
Enterprise Value	593.32M

Important Dates

The last earnings date was Friday, October 24, 2025, before market open.

Earnings Date	Oct 24, 2025
Ex-Dividend Date	Sep 15, 2025

Share Statistics

COFS has 15.02 million shares outstanding. The number of shares has increased by 58.83% in one year.

Current Share Class	15.02M
Shares Outstanding	15.02M
Shares Change (YoY)	+58.83%
Shares Change (QoQ)	+0.17%
Owned by Insiders (%)	8.22%
Owned by Institutions (%)	34.23%
Float	12.64M

Valuation Ratios

The trailing PE ratio is 17.26 and the forward PE ratio is 8.42.

PE Ratio	17.26
Forward PE	8.42
PS Ratio	2.89
Forward PS	2.54
PB Ratio	0.99
P/TBV Ratio	1.53
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	27.64
EV / Sales	4.64
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 6.16%.

Return on Equity (ROE)	6.16%
Return on Assets (ROA)	0.61%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$326,352
Profits Per Employee	$54,765
Employee Count	392
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, COFS has paid $4.73 million in taxes.

Income Tax	4.73M
Effective Tax Rate	18.06%

Stock Price Statistics

The stock price has decreased by -8.87% in the last 52 weeks. The beta is 0.64, so COFS's price volatility has been lower than the market average.

Beta (5Y)	0.64
52-Week Price Change	-8.87%
50-Day Moving Average	29.19
200-Day Moving Average	29.58
Relative Strength Index (RSI)	57.23
Average Volume (20 Days)	111,373

Short Selling Information

The latest short interest is 247,170, so 1.65% of the outstanding shares have been sold short.

Short Interest	247,170
Short Previous Month	309,307
Short % of Shares Out	1.65%
Short % of Float	1.96%
Short Ratio (days to cover)	2.80

Income Statement

In the last 12 months, COFS had revenue of $127.93 million and earned $21.47 million in profits. Earnings per share was $1.72.

Revenue	127.93M
Gross Profit	127.93M
Operating Income	48.97M
Pretax Income	26.20M
Net Income	21.47M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$1.72

Balance Sheet

The company has $98.98 million in cash and $246.12 million in debt, giving a net cash position of -$147.14 million or -$9.80 per share.

Cash & Cash Equivalents	98.98M
Total Debt	246.12M
Net Cash	-147.14M
Net Cash Per Share	-$9.80
Equity (Book Value)	449.62M
Book Value Per Share	29.94
Working Capital	-3.62B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	38.28%
Pretax Margin	20.48%
Profit Margin	16.78%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 3.88%.

Dividend Per Share	$1.12
Dividend Yield	3.88%
Dividend Growth (YoY)	3.70%
Years of Dividend Growth	4
Payout Ratio	65.08%
Buyback Yield	-58.83%
Shareholder Yield	-55.06%
Earnings Yield	4.81%
FCF Yield	n/a

Analyst Forecast

The average price target for COFS is $39.00, which is 31.27% higher than the current price. The consensus rating is "Strong Buy".

Price Target	$39.00
Price Target Difference	31.27%
Analyst Consensus	Strong Buy
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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	2