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COFS Choiceone Financial Services, Inc.
- Stocks
- Financial Services
- NASDAQ: COFS
Price (delayed)
$28.705
Market cap
$430.12M
P/E Ratio
23.53
Dividend/share
$1.1
EPS
$1.22
Enterprise value
$476.22M
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 surged by 107% YoY and by 64% QoQ
Choiceone Financial Services's debt has decreased by 24% YoY and by 12% QoQ
Choiceone Financial Services's revenue has increased by 11% YoY but it has decreased by 2.7% from the previous quarter
Choiceone Financial Services's gross profit has increased by 11% YoY but it has decreased by 2.7% QoQ
COFS's P/E is 124% above its 5-year quarterly average of 10.5 and 76% above its last 4 quarters average of 13.4
Choiceone Financial Services's net income has shrunk by 73% QoQ and by 66% YoY
Key stats
What are the main financial stats of COFS
Market
Valuations
Earnings
Shares outstanding
14.98M
Market cap
$430.12M
Enterprise value
$476.22M
Price to earnings (P/E)
23.53
Price to book (P/B)
0.6
Price to sales (P/S)
2.88
EV/EBIT
55.04
EV/EBITDA
22.09
EV/Sales
5.33
Revenue
$89.36M
Gross profit
$89.36M
Operating income
$8.65M
Net income
$7.19M
EBIT
$8.65M
EBITDA
$21.56M
Free cash flow
$24.63M
Per share
Balance sheet
Liquidity
EPS
$1.22
EPS diluted
$1.22
Free cash flow per share
$2.75
Book value per share
$47.62
Revenue per share
$9.96
TBVPS
$461.99
Total assets
$4.31B
Total liabilities
$3.88B
Debt
$185.52M
Equity
$427.07M
Working capital
N/A
Debt to equity
0.43
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.14
Margins
Efficiency
Dividend
EBITDA margin
24.1%
Gross margin
100%
Net margin
8%
Operating margin
9.7%
Return on assets
0.2%
Return on equity
2.5%
Return on invested capital
0.3%
Return on capital employed
N/A
Return on sales
9.7%
Dividend yield
3.83%
DPS
$1.1
Payout ratio
90.2%
COFS stock price
How has the Choiceone Financial Services stock price performed over time
Intraday
-2.16%
1 week
-2.76%
1 month
-1.19%
1 year
16.07%
YTD
-19.46%
QTD
-0.23%
Financial performance
How have Choiceone Financial Services's revenue and profit performed over time
Revenue
$89.36M
Gross profit
$89.36M
Operating income
$8.65M
Net income
$7.19M
Gross margin
100%
Net margin
8%
COFS's operating income has dropped by 74% since the previous quarter and by 66% year-on-year
Choiceone Financial Services's net income has shrunk by 73% QoQ and by 66% YoY
Choiceone Financial Services's net margin has shrunk by 73% QoQ and by 70% YoY
The operating margin has dropped by 73% since the previous quarter and by 70% year-on-year
Price vs fundamentals
How does COFS's price correlate with its fundamentals
Growth
What is Choiceone Financial Services's growth rate over time
Valuation
What is Choiceone Financial Services stock price valuation
P/E
23.53
P/B
0.6
P/S
2.88
EV/EBIT
55.04
EV/EBITDA
22.09
EV/Sales
5.33
COFS's P/E is 124% above its 5-year quarterly average of 10.5 and 76% above its last 4 quarters average of 13.4
The EPS has plunged by 63% from the previous quarter and by 57% YoY
Choiceone Financial Services's equity has surged by 107% YoY and by 64% QoQ
COFS's price to book (P/B) is 40% less than its 5-year quarterly average of 1.0 and 40% less than its last 4 quarters average of 1.0
Choiceone Financial Services's revenue has increased by 11% YoY but it has decreased by 2.7% from the previous quarter
The stock's price to sales (P/S) is 7% more than its 5-year quarterly average of 2.7 but 4% less than its last 4 quarters average of 3.0
Efficiency
How efficient is Choiceone Financial Services business performance
The return on assets has dropped by 80% since the previous quarter and by 75% year-on-year
COFS's ROE has shrunk by 78% QoQ and by 77% YoY
The ROIC has plunged by 75% from the previous quarter and by 70% YoY
The ROS has plunged by 73% from the previous quarter and by 70% YoY
Dividends
What is COFS's dividend history
DPS
$1.1
Dividend yield
3.83%
Payout ratio
90.2%
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 11% greater than the total liabilities
The total assets has surged by 61% year-on-year and by 58% since the previous quarter
The total liabilities has surged by 57% since the previous quarter and by 57% year-on-year
Choiceone Financial Services's debt is 57% lower than its equity
Choiceone Financial Services's equity has surged by 107% YoY and by 64% QoQ
Choiceone Financial Services's debt to equity has plunged by 64% YoY and by 47% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.