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Price (delayed)
$35.69
Market cap
$319.7M
P/E Ratio
11.22
Dividend/share
$1.09
EPS
$3.18
Enterprise value
$419.45M
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit
Highlights
Choiceone Financial Services's equity has increased by 37% YoY and by 15% QoQ
Choiceone Financial Services's net income has increased by 10% QoQ and by 10% YoY
COFS's P/E is 14% above its last 4 quarters average of 9.8 and 6% above its 5-year quarterly average of 10.6
Choiceone Financial Services's debt has increased by 14% YoY
Key stats
What are the main financial stats of COFS
Market
Valuations
Earnings
Shares outstanding
8.96M
Market cap
$319.7M
Enterprise value
$419.45M
Price to earnings (P/E)
11.22
Price to book (P/B)
1.29
Price to sales (P/S)
3.64
EV/EBIT
13.65
EV/EBITDA
9.76
EV/Sales
4.77
Revenue
$87.9M
Gross profit
$87.9M
Net income
$24.86M
EBIT
$30.74M
EBITDA
$42.99M
Free cash flow
$11.96M
Per share
Balance sheet
Liquidity
EPS
$3.18
EPS diluted
$3.16
Free cash flow per share
$1.34
Book value per share
$27.66
Revenue per share
$9.81
TBVPS
$297.49
Total assets
$2.73B
Total liabilities
$2.48B
Debt
$245.69M
Equity
$247.75M
Working capital
N/A
Debt to equity
0.99
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.32
Margins
Efficiency
Dividend
EBITDA margin
48.9%
Gross margin
100%
Net margin
28.3%
Operating margin
35%
Return on assets
0.9%
Return on equity
11.5%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
35%
Dividend yield
3.05%
DPS
$1.09
Payout ratio
34.3%
COFS stock price
How has the Choiceone Financial Services stock price performed over time
Intraday
1.08%
1 week
-1.57%
1 month
-2.88%
1 year
15.17%
YTD
21.81%
QTD
15.46%
Financial performance
How have Choiceone Financial Services's revenue and profit performed over time
Revenue
$87.9M
Gross profit
$87.9M
Operating income
$30.74M
Net income
$24.86M
Gross margin
100%
Net margin
28.3%
COFS's operating income is up by 14% year-on-year and by 11% since the previous quarter
Choiceone Financial Services's net income has increased by 10% QoQ and by 10% YoY
Choiceone Financial Services's gross profit has increased by 8% YoY and by 6% QoQ
Choiceone Financial Services's revenue has increased by 8% YoY and by 6% from the previous quarter
Growth
What is Choiceone Financial Services's growth rate over time
Valuation
What is Choiceone Financial Services stock price valuation
P/E
11.22
P/B
1.29
P/S
3.64
EV/EBIT
13.65
EV/EBITDA
9.76
EV/Sales
4.77
COFS's P/E is 14% above its last 4 quarters average of 9.8 and 6% above its 5-year quarterly average of 10.6
The EPS has increased by 6% from the previous quarter and by 6% YoY
Choiceone Financial Services's equity has increased by 37% YoY and by 15% QoQ
COFS's price to book (P/B) is 29% more than its 5-year quarterly average of 1.0 and 17% more than its last 4 quarters average of 1.1
The stock's price to sales (P/S) is 30% more than its last 4 quarters average of 2.8 and 26% more than its 5-year quarterly average of 2.9
Choiceone Financial Services's revenue has increased by 8% YoY and by 6% from the previous quarter
Efficiency
How efficient is Choiceone Financial Services business performance
COFS's ROE is down by 12% YoY
The ROIC has grown by 10% from the previous quarter
The ROS has increased by 6% YoY and by 5% from the previous quarter
Dividends
What is COFS's dividend history
DPS
$1.09
Dividend yield
3.05%
Payout ratio
34.3%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Choiceone Financial Services financials performed over time
The total assets is 10% greater than the total liabilities
The total assets is up by 6% year-on-year and by 3.9% since the previous quarter
The total liabilities rose by 3.6% year-on-year and by 2.9% since the previous quarter
Choiceone Financial Services's equity has increased by 37% YoY and by 15% QoQ
Choiceone Financial Services's debt to equity has decreased by 17% YoY and by 14% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.