Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap434.98M
Enterprise Value582.37M
Trailing P/E20.26
Forward P/E23.46
COFS
(NASDAQ)ChoiceOne Financial Services, Inc.
$28.74-- (--)
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ChoiceOne Financial Services (COFS) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)2.71
Forward Price/Sales1.50
Price/Book (mrq)0.97
Price/Tangible Book (mrq)1.49
Price/FCF (ttm)11.88
Price/OCF (ttm)10.41
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue3.63
EV/Earnings27.13
EV/EBITDA12.82
EV/FCF15.90
Stock Price
Current price, 52-week range, and moving averages
Current Price$28.74
1-Day Change-0.07%
52-Week High$35.40
52-Week Low$24.89
52-Week Change-11.65%
YTD Change-0.79%
1-Year Change-11.92%
50-Day MA$29.83
200-Day MA$29.50
Avg Volume (30 day)141.59K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding15.13M
Book Value per Share$29.71
Net Cash per Share$3.24
FCF per Share$2.42
Analyst Price Targets & Consensus
Wall Street analyst ratings and 12-month price targets (90 days)
Price Target$36.00
Target Upside/Downside25.26%
Analyst ConsensusBuy
Analyst Count2
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin57.30%
EBITDA Margin (ttm)28.35%
Operating Margin (ttm)20.65%
Pretax Margin (ttm)16.35%
Profit Margin (ttm)13.40%
FCF Margin (ttm)22.85%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)4.77%
Return on Assets (ttm)0.50%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue160.24M
Gross Profit91.81M
Operating Income33.09M
Pretax Income26.20M
Net Income21.47M
EBITDA45.42M
Diluted EPS$1.42
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow41.79M
Capital Expenditures5.17M
Free Cash Flow36.62M
Growth Rates (YoY)
Year-over-year growth metrics
Dividend Growth3.67%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)4.30B
Cash & Securities (mrq)98.98M
Net Cash (mrq)48.98M
Net Cash per Share$3.24
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)246.37M
Working Capital (mrq)-3.51B
Total Equity (mrq)449.62M
Book Value per Share$29.71
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)0.03
Quick Ratio (mrq)0.03
Debt/Equity (mrq)0.55
Debt/EBITDA (ttm)5.42
Debt/FCF (ttm)6.73
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$1.13
Dividend Yield3.93%
Payout Ratio (Earnings)79.67%
Payout Ratio (FCF)46.70%
Dividend Growth (YoY)3.67%
Years of Dividend Growth5
Ex-Dividend DateDec 15, 2025
Pay DateDec 31, 2025
Dividend FrequencyQuarterly
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield4.94%
FCF Yield8.42%
Buyback Yield0.05%
Total Shareholder Yield3.98%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score-0.84
Piotroski F-Score4/9
Dividend Score74.21
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Graham Number$30.79
Graham Upside/Downside7.14%