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CHOICEONE FINANCIAL SERVICES INC

Datakwaliteit: 100%
COFS
NASDAQ Financial Services Depository Institutions
€ 30,17
▼ € 0,20 (-0,66%)
6 months return
—
Momentum
Neutral
1Y earnings growth
5,42%

Groei

Revenue Growth (5Y)
N/A
Revenue (1Y)63,64%
Earnings (1Y)5,42%
FCF Growth (3Y)-22,79%

Kwaliteit

Return on Equity
6,39%
Onder sectorgemiddelde (9,22%)
ROICN/A
Net Margin12,38%
Op. MarginN/A

Veiligheid

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

Waardering

PE (TTM|NTM|2027)
16,03 | 8,19 | 8,22
Boven sectorgemiddelde (11,13)
P/B Ratio1,00
EV/EBITDAN/A
Dividend Yield3,78%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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
Dividend yield of 3,78% — meaningful income
Healthy payout ratio of 56,72% with room to grow
20 consecutive years of dividends — reliable payer

Price History

Financiële Trends

Koersdoel Analisten

3 analisten
Buy
+9.4%
upside to target
Huidig
€ 30,17
Consensus Target
€ 33,00
€ 31,00
Laag
€ 36,00
Hoog
Vooruitzicht
Forward K/W
8,19
Forward WPA
€ 3,67
WPA Groei (sch.)
+4,8%
Omzet Sch.
183,40 M

Winstverassingen

EPS
Reported Estimate Forecast
Next: Q1 2026 · EPS Est: € 0,85 · Rev Est: 42,70 M
Q12025 Q22025 Q32025 Q42025 Q1 '26 Q2 '26
Reported € 0,86 € 0,91 € 0,97 € 0,92 — —
Estimate € 0,76 € 0,78 € 0,86 € 0,90 € 0,85 € 0,86
Verrassing +13,91% +16,17% +12,79% +1,85% — —

Growth

Rev 5Y: N/A · Earnings 1Y: 5,42%
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

ROE: 6,39% · Net Margin: 12,38%
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

D/E: N/A · Current: N/A
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

Yield: 3,78% · Payout: 56,72%
Dividend Yield 3,78% Payout Ratio 56,72%
Dividend Growth (3Y) 3,81% Dividend Growth (5Y) 6,62%
Consecutive Div Years 20 yrs

Valuation

P/E: 16,03 · EV/EBITDA: N/A
P/E Ratio 16,03 Forward P/E 8,19
P/B Ratio 1,00 P/S Ratio 1,98
PEG Ratio 2,53 Forward PEG 1,72
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 2,46 Fwd Earnings Yield 12,21%
FCF Yield 5,58%
Market Cap 451,63 M Enterprise Value 352,65 M

Per Share

EPS: 2,01 · FCF/Share: 1,68
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

FCF Conv: 89,39% · CapEx/Rev: 2,91%
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 — — — — —

Sectorvergelijking

vs Financial Services sector mediaan (6628 peers)
Metriek Aandeel Sector Mediaan
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 % — 5,8
D/E — 0,5

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

Dividendgeschiedenis

Rendement

3,78%

Uitkeringsratio

56,72%

Groei (3 jr)

3,81%

Groei (5 jr)

6,62%

Recente betalingen per aandeel (nieuwste eerst).

Ex-dividend Betaling Bedrag / aandeel
Mar 13, 2026 — € 0,29
Dec 15, 2025 — € 0,29
Sep 15, 2025 — € 0,28
Jun 13, 2025 — € 0,28
Mar 14, 2025 — € 0,28
Dec 13, 2024 — € 0,28
Sep 13, 2024 — € 0,27
Jun 14, 2024 — € 0,27
Mar 14, 2024 — € 0,27
Dec 14, 2023 — € 0,27
Sep 14, 2023 — € 0,26
Jun 14, 2023 — € 0,26

Strategiescores

1 strategy matched
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31

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