ChoiceOne Financial Servi...

NASDAQ: COFS · Real-Time Price · USD
29.10
-0.48 (-1.62%)
At close: Jun 02, 2025, 3:59 PM
29.11
0.03%
After-hours: Jun 02, 2025, 04:04 PM EDT

ChoiceOne Financial Services Statistics

Share Statistics

ChoiceOne Financial Services has 14.98M shares outstanding. The number of shares has increased by 98.65% in one year.

Shares Outstanding 14.98M
Shares Change (YoY) 98.65%
Shares Change (QoQ) 67.9%
Owned by Institutions (%) 38.02%
Shares Floating n/a
Failed to Deliver (FTD) Shares 1
FTD / Avg. Volume n/a

Short Selling Information

The latest short interest is 86.54K, so 0.58% of the outstanding shares have been sold short.

Short Interest 86.54K
Short % of Shares Out 0.58%
Short % of Float 0.61%
Short Ratio (days to cover) 1.47

Valuation Ratios

The PE ratio is 10.89 and the forward PE ratio is 7.94. ChoiceOne Financial Services's PEG ratio is 1.14.

PE Ratio 10.89
Forward PE 7.94
PS Ratio 3.15
Forward PS 2.6
PB Ratio 1.12
P/FCF Ratio 6.2
PEG Ratio 1.14
Financial Ratio History

Enterprise Valuation

ChoiceOne Financial Services has an Enterprise Value (EV) of 405.4M.

EV / Sales 4.39
EV / EBITDA 11.88
EV / EBIT 8.33
EV / FCF 8.64

Financial Position

The company has a current ratio of 0.24, with a Debt / Equity ratio of 0.81.

Current Ratio 0.24
Quick Ratio 0.24
Debt / Equity 0.81
Debt / EBITDA 6.18
Debt / FCF 4.49
Interest Coverage 0.73

Financial Efficiency

Return on Equity is 10.26% and Return on Invested Capital is 5.41%.

Return on Equity 10.26%
Return on Assets 0.98%
Return on Invested Capital 5.41%
Revenue Per Employee $152,788.43
Profits Per Employee $44,176.86
Employee Count 605
Asset Turnover 0.03
Inventory Turnover n/a

Taxes

Income Tax 6.36M
Effective Tax Rate 19.23%

Stock Price Statistics

The stock price has increased by 20.22% in the last 52 weeks. The beta is 0.58, so ChoiceOne Financial Services's price volatility has been higher than the market average.

Beta 0.58
52-Week Price Change 20.22%
50-Day Moving Average 28.3
200-Day Moving Average 31.55
Relative Strength Index (RSI) 54.37
Average Volume (20 Days) 63,179

Income Statement

In the last 12 months, ChoiceOne Financial Services had revenue of 92.44M and earned 26.73M in profits. Earnings per share was 3.09.

Revenue 92.44M
Gross Profit 91.81M
Operating Income 34.13M
Net Income 26.73M
EBITDA 34.13M
EBIT 33.09M
Earnings Per Share (EPS) 3.09
Full Income Statement

Balance Sheet

The company has 96.4M in cash and 210.75M in debt, giving a net cash position of -114.35M.

Cash & Cash Equivalents 96.4M
Total Debt 210.75M
Net Cash -114.35M
Retained Earnings 91.41M
Total Assets 4.31B
Working Capital -3.12B
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 48.65M and capital expenditures -1.71M, giving a free cash flow of 46.94M.

Operating Cash Flow 48.65M
Capital Expenditures -1.71M
Free Cash Flow 46.94M
FCF Per Share 5.75
Full Cash Flow Statement

Margins

Gross margin is 99.32%, with operating and profit margins of 36.92% and 28.91%.

Gross Margin 99.32%
Operating Margin 36.92%
Pretax Margin 35.8%
Profit Margin 28.91%
EBITDA Margin 36.92%
EBIT Margin 36.92%
FCF Margin 50.78%

Dividends & Yields

COFS pays an annual dividend of $1.38, which amounts to a dividend yield of 3.76%.

Dividend Per Share $1.38
Dividend Yield 3.76%
Dividend Growth (YoY) 3.7%
Payout Ratio 114.05%
Earnings Yield 9.18%
FCF Yield 16.13%
Dividend Details

Analyst Forecast

The average price target for COFS is $39, which is 31.4% higher than the current price. The consensus rating is "Buy".

Price Target $39
Price Target Difference 31.4%
Analyst Consensus Buy
Analyst Count 2
Stock Forecasts

Stock Splits

The last stock split was on May 9, 2018. It was a forward split with a ratio of 21:20.

Last Split Date May 9, 2018
Split Type forward
Split Ratio 21:20

Scores

Altman Z-Score -0.76
Piotroski F-Score 7