1. United States of America Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc.

COFS
ChoiceOne Financial Services, Inc.US flagNASDAQ Capital Market
31.60
USD
+0.60
- -
473.21MMarket Cap

Total Valuation

ChoiceOne Financial Services, Inc. carries a market capitalization of 473.21M, placing it among publicly traded companies globally. Its enterprise value stands at -1.86M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap473.21M
Enterprise Value-1.86M

Share Statistics

ChoiceOne Financial Services, Inc. currently has 14.96M shares outstanding.

Shares Outstanding14.96M
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

ChoiceOne Financial Services, Inc. trades at a trailing price-to-earnings ratio of 7.57. The price-to-sales ratio is 2.44, and the price-to-book ratio stands at 0.83.

PE Ratio7.57
PS Ratio2.44
PB Ratio0.83
P/TBV Ratio1.36
P/FCF Ratio8.76
P/OCF Ratio10.29

Enterprise Valuation

On an enterprise value basis, ChoiceOne Financial Services, Inc. trades at an EV/EBITDA multiple of 118.71 and an EV/FCF ratio of 49.14.

EV / Sales14.69
EV / EBITDA118.71
EV / EBITN/A
EV / FCF49.14

Financial Position

Current RatioN/A
Quick RatioN/A
Debt / Equity49.69
Debt / EBITDA11.03
Interest CoverageN/A

Financial Efficiency

Return on Equity (ROE)11.37
Return on Assets (ROA)1.28
Return on Invested Capital (ROIC)N/A
Return on Capital Employed (ROCE)N/A
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, ChoiceOne Financial Services, Inc. has paid 12.68M in income taxes, reflecting an effective tax rate of 18.52.

Income Tax12.68M
Effective Tax Rate18.52

Stock Price Statistics

ChoiceOne Financial Services, Inc.'s stock has gained approximately 7.70279% over the past 52 weeks. The 50-day moving average sits at 30.12, while the 200-day moving average is 29.59.

Beta (5Y)N/A
52-Week Price Change7.70279%
50-Day Moving Average30.12
200-Day Moving Average29.59
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, ChoiceOne Financial Services, Inc. generated 172.96M in revenue and converted that into 55.79M in net income, yielding earnings per share of 3.71.

Revenue172.96M
Gross ProfitN/A
Operating IncomeN/A
Pretax Income68.46M
Net Income55.79M
EBITDA21.17M
EBITN/A
Earnings Per Share (EPS)3.71

Balance Sheet

ChoiceOne Financial Services, Inc. holds 657.75M in cash and equivalents against 233.55M in total debt, resulting in a net debt position of 149.33M.

Cash & Cash Equivalents657.75M
Total Debt233.55M
Net Debt149.33M
Equity (Book Value)509.51M
Book Value Per Share33.92
Working CapitalN/A

Cash Flow

ChoiceOne Financial Services, Inc. produced 41.03M in operating cash flow over the past twelve months. After subtracting -7.32M in capital expenditures, free cash flow totaled 33.71M - equivalent to 2.24 per share.

Operating Cash Flow41.03M
Capital Expenditures-7.32M
Free Cash Flow33.71M
FCF Per Share2.24

Margins

ChoiceOne Financial Services, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.

Gross Margin100.00
Operating MarginN/A
Pretax Margin39.58
Profit Margin32.25
EBITDA Margin12.24

Dividends & Yields

The company's payout ratio of 30.64 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share1.14
Dividend YieldN/A
Payout Ratio30.64
Shareholder Yield-10.04
FCF Yield11.42

Stock Splits

ChoiceOne Financial Services, Inc.'s most recent stock split took place on May 9, 2018 with a 20:21 split ratio.

Last Split Date5/9/2018
Split Ratio20:21

Scores

ChoiceOne Financial Services, Inc. posts an Altman Z-Score of 0.14, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.14