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XNASCOFS
Market cap309mUSD
Jan 16, Last price  
34.56USD
1D
-0.78%
1Q
8.54%
Name

ChoiceOne Financial Services Inc

Chart & Performance

D1W1MN
XNAS:COFS chart
P/E
14.56
P/S
3.84
EPS
2.37
Div Yield, %
2.56%
Shrs. gr., 5y
15.85%
Rev. gr., 5y
22.71%
Revenues
81m
-0.92%
10,242,00010,625,00011,625,00021,624,00019,414,00021,464,00022,658,00024,061,00024,564,00023,998,00024,665,00026,064,00027,224,00027,466,00028,984,00036,894,00073,768,00079,835,00081,386,00080,641,000
Net income
21m
-10.06%
1,854,0002,166,0002,088,0003,580,0001,435,0001,478,0002,711,0003,513,0004,262,0005,094,0005,695,0005,743,0006,090,0006,168,0007,333,0007,171,00015,613,00022,042,00023,640,00021,261,000
CFO
46m
+3.25%
5,557,0003,832,000-7,166,0006,514,0007,230,0009,235,0009,225,00012,545,0009,642,00010,364,0007,473,0003,978,00010,927,0008,090,0009,955,0009,202,0008,478,00037,699,00045,017,00046,482,000
Dividend
Sep 13, 20240.27 USD/sh
Earnings
Jan 22, 2025

Profile

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 products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
URL
https://www.choiceone.com/
IPO date
Jun 21, 2001
Employees
380
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
80,641
-0.92%
81,386
1.94%
Cost of revenue
33,868
31,155
Unusual Expense (Income)
NOPBT
46,773
50,231
NOPBT Margin
58.00%
61.72%
Operating Taxes
4,306
4,018
Tax Rate
9.21%
8.00%
NOPAT
42,467
46,213
Net income
21,261
-10.06%
23,640
7.25%
Dividends
(7,910)
(7,578)
Dividend yield
3.57%
3.47%
Proceeds from repurchase of equity
231
(595)
BB yield
-0.10%
0.27%
Debt
Debt current
30,000
50,000
Long-term debt
205,902
85,833
Deferred revenue
Other long-term liabilities
2,175,565
(35,262)
Net debt
(1,263,841)
(1,427,810)
Cash flow
Cash from operating activities
46,482
45,017
CAPEX
(4,234)
(1,164)
Cash from investing activities
(181,365)
(90,496)
Cash from financing activities
146,373
57,536
FCF
104,892
35,999
Balance
Cash
569,681
590,840
Long term investments
930,062
972,803
Excess cash
1,495,711
1,559,574
Stockholders' equity
195,634
168,874
Invested Capital
2,411,072
2,267,040
ROIC
1.82%
2.07%
ROCE
1.79%
2.06%
EV
Common stock shares outstanding
7,572
7,527
Price
29.30
1.03%
29.00
9.48%
Market cap
221,868
1.64%
218,294
6.98%
EV
(1,041,973)
(1,209,516)
EBITDA
59,203
63,573
EV/EBITDA
Interest
33,095
7,746
Interest/NOPBT
70.76%
15.42%