Stock COFS CHOICEONE FINANCIAL SERVICES, INC.
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Financials ChoiceOne Financial Services, Inc.

Equities

COFS

US1703861062

Banks

Delayed Nasdaq
Other stock markets
 11:05:32 27/06/2024 pm IST 		5-day change 1st Jan Change
27 USD +1.85% Intraday chart for ChoiceOne Financial Services, Inc. +2.94% -7.85%
29/05 ChoiceOne Financial Services, Inc. Announces Cash Dividend for the Second Quarter of 2024, Payable on June 28, 2024 CI
07/05 Tranche Update on ChoiceOne Financial Services, Inc.'s Equity Buyback Plan announced on July 29, 2022. CI

Valuation

Fiscal Period: December 2022 2023 2024 2025
Capitalization 1 217.9 221.1 200.7 -
Enterprise Value (EV) 1 217.9 221.1 200.7 200.7
P/E ratio 8.45 x 10.4 x 8.78 x 8.69 x
Yield - 3.58% 4.11% 4.26%
Capitalization / Revenue - - - -
EV / Revenue - - - -
EV / EBITDA - - - -
EV / FCF - - - -
FCF Yield - - - -
Price to Book - 1.13 x 0.92 x 0.86 x
Nbr of stocks (in thousands) 7,514 7,545 7,571 -
Reference price 2 29.00 29.30 26.51 26.51
Announcement Date 25/01/23 25/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2022 2023 2024 2025
Net sales - - - -
EBITDA - - - -
EBIT - - - -
Operating Margin - - - -
Earnings before Tax (EBT) 1 - 25.57 28.3 28.6
Net income 1 25.75 21.26 23 23.2
Net margin - - - -
EPS 2 3.431 2.820 3.020 3.050
Free Cash Flow - - - -
FCF margin - - - -
FCF Conversion (EBITDA) - - - -
FCF Conversion (Net income) - - - -
Dividend per Share 2 - 1.050 1.090 1.130
Announcement Date 25/01/23 25/01/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales - - - - - - - -
EBITDA - - - - - - - -
EBIT - - - - - - - -
Operating Margin - - - - - - - -
Earnings before Tax (EBT) 1 6.202 6.449 6.841 7.1 7.5 7.4 7.2 7.3
Net income 1 5.122 5.293 5.634 5.8 6.1 6.1 5.8 5.9
Net margin - - - - - - - -
EPS 2 0.6800 0.7000 0.7400 0.7600 0.8100 0.8000 0.7700 0.7800
Dividend per Share 2 0.2600 0.2700 - 0.2700 0.2700 0.2800 0.2800 0.2800
Announcement Date 25/10/23 25/01/24 24/04/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2022 2023 2024 2025
Net Debt - - - -
Net Cash position - - - -
Leverage (Debt/EBITDA) - - - -
Free Cash Flow - - - -
ROE (net income / shareholders' equity) - 11.7% 11% 10.3%
ROA (Net income/ Total Assets) - 0.86% 0.86% 0.84%
Assets 1 - 2,481 2,674 2,762
Book Value Per Share 2 - 25.90 28.90 31.00
Cash Flow per Share - - - -
Capex - - - -
Capex / Sales - - - -
Announcement Date 25/01/23 25/01/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
26.51 USD
Average target price
27 USD
Spread / Average Target
+1.85%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Commercial Banks

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