ChoiceOne Financial Servi...

26.11
0.02 (0.10%)
At close: Apr 04, 2025, 3:53 PM

ChoiceOne Financial Services Statistics

Share Statistics

ChoiceOne Financial Services has 15.04M shares outstanding. The number of shares has increased by 98.65% in one year.

Shares Outstanding 15.04M
Shares Change (YoY) 98.65%
Shares Change (QoQ) 67.9%
Owned by Institutions (%) 37.87%
Shares Floating 13.5M
Failed to Deliver (FTD) Shares 8
FTD / Avg. Volume 0.02%

Short Selling Information

The latest short interest is 337.62K, so 3.77% of the outstanding shares have been sold short.

Short Interest 337.62K
Short % of Shares Out 3.77%
Short % of Float 4.09%
Short Ratio (days to cover) 12.35

Valuation Ratios

The PE ratio is 11.53 and the forward PE ratio is 8.78. ChoiceOne Financial Services's PEG ratio is 1.2.

PE Ratio 11.53
Forward PE 8.78
PS Ratio 2.54
Forward PS 2.2
PB Ratio 1.18
P/FCF Ratio 6.33
PEG Ratio 1.2
Financial Ratio History

Enterprise Valuation

ChoiceOne Financial Services has an Enterprise Value (EV) of 422.45M.

EV / Sales 3.49
EV / EBITDA 0
EV / EBIT 8.68
EV / FCF 8.68

Financial Position

The company has a current ratio of 3.71, with a Debt / Equity ratio of 0.81.

Current Ratio 3.71
Quick Ratio 3.71
Debt / Equity 0.81
Debt / EBITDA -
Debt / FCF 4.33
Interest Coverage 2.53

Financial Efficiency

Return on Equity is 10.26% and Return on Invested Capital is 14.34%.

Return on Equity 10.26%
Return on Assets 0.98%
Return on Invested Capital 14.34%
Revenue Per Employee $360.43K
Profits Per Employee $79.54K
Employee Count 336
Asset Turnover 0.04
Inventory Turnover n/a

Taxes

Income Tax 6.36M
Effective Tax Rate 19.23%

Stock Price Statistics

The stock price has increased by -0.38% in the last 52 weeks. The beta is 0.63, so ChoiceOne Financial Services's price volatility has been higher than the market average.

Beta 0.63
52-Week Price Change -0.38%
50-Day Moving Average 31.17
200-Day Moving Average 31.38
Relative Strength Index (RSI) 17.65
Average Volume (20 Days) 40.63K

Income Statement

In the last 12 months, ChoiceOne Financial Services had revenue of 121.1M and earned 26.73M in profits. Earnings per share was 3.09.

Revenue 121.1M
Gross Profit 121.1M
Operating Income 117.84M
Net Income 26.73M
EBITDA 0
EBIT 79.75M
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 2.72B
Working Capital 575.87M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 48.65M and capital expenditures 0, giving a free cash flow of 48.65M.

Operating Cash Flow 48.65M
Capital Expenditures 0
Free Cash Flow 48.65M
FCF Per Share 5.63
Full Cash Flow Statement

Margins

Gross margin is 100%, with operating and profit margins of 97.31% and 22.07%.

Gross Margin 100%
Operating Margin 97.31%
Pretax Margin 27.32%
Profit Margin 22.07%
EBITDA Margin n/a
EBIT Margin 97.31%
FCF Margin 40.17%

Dividends & Yields

COFS pays an annual dividend of $1.37, which amounts to a dividend yield of 3.85%.

Dividend Per Share $1.37
Dividend Yield 3.85%
Dividend Growth (YoY) 3.7%
Payout Ratio 42.15%
Earnings Yield 8.67%
FCF Yield 15.79%
Dividend Details

Analyst Forecast

The average price target for COFS is $39, which is 48.9% higher than the current price. The consensus rating is "Buy".

Price Target $39
Price Target Difference 48.9%
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 0.47
Piotroski F-Score 6