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CHOICEONE FINANCIAL SERVICES INC

Data quality: 100%
COFS
Nasdaq Financial Services Depository Institutions
$30.03
▼ $0.29 (-0.96%)
Mkt Cap: 451.63 M
Price
$30.15
Mkt Cap
451.63 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Generating 25.19 M in free cash flow
Cash machine — converts 89.39% of earnings into free cash flow
Capital efficient — spends only 2.91% of revenue on capex

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)63.64%
Earnings (1Y)5.42%
FCF Growth (3Y)-22.79%

Quality

Return on Equity
6.39%
Below sector avg (9.24%)
ROICN/A
Net Margin12.38%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|2027)
16.03 | 8.22
Above sector avg (11.15)
P/B Ratio1.00
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2180 peers)
Metric Stock Sector Median
P/E 16.0 11.1
P/B 1.0 1.2
ROE % 6.4 9.2
Net Margin % 12.4 9.4
Rev Growth 5Y % — 5.9
D/E — 0.5

Analyst Price Target

3 analysts
Buy
Current
$30.03
+9.9%
Target
$33.00
$31.00
$32.00
$36.00
Forecast
Forward P/E 8.19
Forward EPS $3.67
EPS Growth (est.) +4.8%
Est. Revenue 183.40 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $3.67
$3.50 – $3.75
 183.40 M 3
FY2026 $3.50
$3.40 – $3.55
 175.60 M 3

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $0.90 $0.92 +1.9%
Q32025 $0.86 $0.97 +12.8%
Q22025 $0.78 $0.91 +16.2%
Q12025 $0.76 $0.86 +13.9%

ETFs Holding This Stock

QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0.22% weight
NOSGX NOSGX
0.10% weight
BOSVX BOSVX
0.08% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.06% weight
AVSCX AVSCX
0.05% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.04% weight
VVICX VVICX
0.02% weight
IRSSX IRSSX
0.02% weight
IIRSX IIRSX
0.02% weight
IRSIX IRSIX
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 63.64% Revenue Growth (3Y) N/A
Earnings Growth (1Y) 5.42% Earnings Growth (3Y) 15.12%
Revenue Growth (5Y) N/A Earnings Growth (5Y) 6.33%
Profitability
Revenue (TTM) 227.62 M Net Income (TTM) 28.18 M
ROE 6.39% ROA 0.65%
Gross Margin N/A Operating Margin N/A
Net Margin 12.38% Free Cash Flow (TTM) 25.19 M
ROIC N/A FCF Growth (3Y) -22.79%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.05
Working Capital N/A Tangible Book Value 291.19 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 16.03 Forward P/E N/A
P/B Ratio 1.00 P/S Ratio 1.98
PEG Ratio 2.53 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 5.58%
Market Cap 451.63 M Enterprise Value 352.65 M
Per Share
EPS (Diluted TTM) 2.01 Revenue / Share 15.19
FCF / Share 1.68 OCF / Share 2.12
EPS CAGR (1Y) -38.15% EPS CAGR (5Y) -8.44%
EPS CAGR (10Y) 0.93%
Efficiency
CapEx / Revenue 2.91% FCF Conversion 89.39%
SBC-Adj. FCF 24.60 M Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 227.62 M 139.10 M — — —
Net Income 28.18 M 26.73 M 21.26 M 23.64 M 22.04 M
EPS (Diluted) 2.01 3.25 2.82 3.15 2.86
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 137.07 M 74.44 M 33.10 M 7.75 M 3.98 M
Income Tax 6.01 M 6.36 M 4.31 M 4.02 M 4.46 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 4.41 B 2.72 B 2.58 B 2.39 B 2.37 B
Total Liabilities 3.95 B 2.46 B 2.38 B 2.22 B 2.15 B
Shareholders' Equity 465.35 M 260.42 M 195.63 M 168.87 M 221.67 M
Total Debt — — — — —
Cash & Equivalents 87.99 M 96.75 M 55.43 M 43.94 M 31.89 M
Current Assets — — — — —
Current Liabilities — — — — —