ChoiceOne Financial Services, Inc. (COFS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 74 | 80 | 81 | 81 | 92 | 127 | 114 | - |
| Operating profit | $m | 34 | 35 | ||||||
| Net profit | $m | 16 | 22 | 24 | 21 | 27 | 28 | 55 | 52 |
| EPS reported | $ | 2.01 | 3.63 | ||||||
| Operating cashflow per share | $ | 2.28 | 3.94 | ||||||
| Capex per share | $ | 0.48 | 0.25 | ||||||
| FCF per share | $ | 1.81 | 3.69 | ||||||
| Free cash flow | $m | 25 | 55 | ||||||
| Net debt | $m | 91 | -301 | ||||||
| Book value equity | $m | 465 | 483 | ||||||
| Book value per share | $ | 33.26 | 32.04 | ||||||
| Number of shares | m | 13.99 | 15.07 | ||||||
| DPS (TTM paid) | $ | 1.13 | 1.16 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 14.69 | 9.08 | ||||||
| P/B LTM | x | 0.88 | 0.85 | ||||||
| P/S LTM | x | 3.24 | 3.61 | ||||||
| P/FCF LTM | x | 16.34 | 7.43 | ||||||
| EV/EBITDA LTM | x | 11.78 | 13.87 | ||||||
| EV/Sales LTM | x | 3.30 | 4.20 | ||||||
| Earnings Yield LTM | % | +6.81% | +11.01% | ||||||
| FCF Yield | % | +6.12% | +13.46% | ||||||
| Quality | |||||||||
| ROE | % | +6.05% | +11.72% | ||||||
| ROIC | % | +3.48% | +3.36% | ||||||
| Operating margin | % | +17.72% | +19.22% | ||||||
| Gross margin | % | +58.16% | +62.28% | ||||||
| FCF/Sales | % | +13.06% | +30.32% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | -38.15% | +11.69% | ||||||
| Sales Growth YoY | % | +37.39% | +23.48% | ||||||
| Net Income Growth YoY | % | +5.42% | +104.72% | ||||||
| FCF Growth | % | -46.34% | +17.98% | ||||||
| Operating Profit Growth | % | +3.32% | +6.12% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.12% | +3.35% | ||||||
| Dividend Growth | % | +3.67% | +6.42% | ||||||
| Payout Ratio | % | +60.27% | +31.46% | ||||||
| FCF/Debt | x | 0.08 | 0.16 | ||||||
| Net Debt/EBITDA | x | 4.17 | 5.55 | ||||||
| EBIT/Net interest | x | 0.52 | 0.51 | ||||||
| Net debt/market cap | % | +76.17% | +66.98% | ||||||
| Net debt/Equity | x | 0.20 | -0.62 | ||||||
| Gross debt/equity | x | 0.67 | 0.71 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
ChoiceOne Financial Services, Inc. (COFS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.
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