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ChoiceOne Financial Services, Inc.

ChoiceOne Financial Services, Inc.

COFS
ChoiceOne Financial Services, Inc.US flagNASDAQ Capital Market
34.30
USD
+0.26
- -
512.80MMarket Cap

Total Valuation

ChoiceOne Financial Services, Inc. carries a market capitalization of 512.80M, placing it among publicly traded companies globally. Its enterprise value stands at 743.81M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap512.80M
Enterprise Value743.81M

Share Statistics

ChoiceOne Financial Services, Inc. currently has 14.95M shares outstanding.

Shares Outstanding14.95M
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 9.34. The price-to-sales ratio is 2.97, and the price-to-book ratio stands at 1.05.

PE Ratio9.34
PS Ratio2.97
PB Ratio1.05
P/TBV Ratio1.56
P/FCF Ratio7.62
P/OCF Ratio8.64

Enterprise Valuation

On an enterprise value basis, ChoiceOne Financial Services, Inc. trades at an EV/EBITDA multiple of 36.30 and an EV/FCF ratio of 11.08.

EV / Sales4.33
EV / EBITDA36.30
EV / EBITN/A
EV / FCF11.08

Financial Position

Current RatioN/A
Quick RatioN/A
Debt / Equity71.16
Debt / EBITDA16.76
Interest CoverageN/A

Financial Efficiency

Return on Equity (ROE)11.97
Return on Assets (ROA)1.25
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 12.12M in income taxes, reflecting an effective tax rate of 18.13.

Income Tax12.12M
Effective Tax Rate18.13

Stock Price Statistics

ChoiceOne Financial Services, Inc.'s stock has gained approximately 11.69% over the past 52 weeks. The 50-day moving average sits at 33.73, while the 200-day moving average is 30.91.

Beta (5Y)N/A
52-Week Price Change11.69%
50-Day Moving Average33.73
200-Day Moving Average30.91
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, ChoiceOne Financial Services, Inc. generated 171.77M in revenue and converted that into 54.72M in net income, yielding earnings per share of 3.64.

Revenue171.77M
Gross ProfitN/A
Operating IncomeN/A
Pretax Income66.83M
Net Income54.72M
EBITDA20.49M
EBITN/A
Earnings Per Share (EPS)3.64

Balance Sheet

ChoiceOne Financial Services, Inc. holds 108.00M in cash and equivalents against 343.50M in total debt, resulting in a net debt position of 254.85M.

Cash & Cash Equivalents108.00M
Total Debt343.50M
Net Debt254.85M
Equity (Book Value)482.68M
Book Value Per Share32.29
Working CapitalN/A

Cash Flow

ChoiceOne Financial Services, Inc. produced 59.10M in operating cash flow over the past twelve months. After subtracting -8.05M in capital expenditures, free cash flow totaled 51.04M - equivalent to 3.40 per share.

Operating Cash Flow59.10M
Capital Expenditures-8.05M
Free Cash Flow51.04M
FCF Per Share3.40

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 Margin38.91
Profit Margin31.85
EBITDA Margin11.93

Dividends & Yields

The company's payout ratio of 31.48 indicates the proportion of earnings distributed to shareholders.

Dividend Per Share1.15
Dividend YieldN/A
Payout Ratio31.48
Shareholder Yield-16.44
FCF Yield13.12

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 0.16, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score0.16