Financhill
Buy
63

COFS Quote, Financials, Valuation and Earnings

Last price:
$29.28
Seasonality move :
4.47%
Day range:
$29.17 - $29.65
52-week range:
$21.52 - $38.15
Dividend yield:
3.74%
P/E ratio:
9.04x
P/S ratio:
2.61x
P/B ratio:
1.70x
Volume:
39.7K
Avg. volume:
49.5K
1-year change:
15.67%
Market cap:
$441.8M
Revenue:
$92.4M
EPS (TTM):
$3.25

Analysts' Opinion

  • Consensus Rating
    ChoiceOne Financial Services has received a consensus rating of Buy. The company's average rating is a Buy based on 3 Buy ratings, 0 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $37.33, ChoiceOne Financial Services has an estimated upside of 27.07% from its current price of $29.38.
  • Price Target Downside
    According to analysts, the lowest downside price target is $35.00 representing 100% downside risk from its current price of $29.38.

Fair Value

  • According to the consensus of 3 analysts, ChoiceOne Financial Services has 27.07% upside to fair value with a price target of $37.33 per share.

COFS vs. S&P 500

  • Over the past 5 trading days, ChoiceOne Financial Services has overperformed the S&P 500 by 0.28% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • ChoiceOne Financial Services does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • ChoiceOne Financial Services has grown year-over-year revenues for 3 quarters straight. In the most recent quarter ChoiceOne Financial Services reported revenues of $24.3M.

Earnings Growth

  • ChoiceOne Financial Services has grown year-over-year earnings for 3 quarters straight. In the most recent quarter ChoiceOne Financial Services reported earnings per share of $0.79.
Enterprise value:
76.7M
EV / Invested capital:
0.16x
Price / LTM sales:
2.61x
EV / EBIT:
0.96x
EV / Revenue:
0.83x
PEG ratio (5yr expected):
0.59x
EV / Free cash flow:
1.63x
Price / Operating cash flow:
5.14x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
1%
Net Income Margin (TTM):
28.91%
Return On Equity:
11.88%
Return On Invested Capital:
5.79%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Income Statement
Revenue $81.4M $80.8M $92.4M $20.6M $24.3M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $3.15 $2.82 $3.25 $0.70 $0.79
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Balance Sheet
Current Assets $654.3M $1.1B $573.7M $570M $575.9M
Total Assets $1.9B $2.4B $2.4B $2.6B $2.7B
Current Liabilities -- $50M $50M $20M $155M
Total Liabilities $1.7B $2.1B $2.2B $2.4B $2.5B
Total Equity $227.3M $221.7M $168.9M $195.6M $260.4M
Total Debt $12.4M $85M $85.3M $235.5M $210.8M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Cash Flow Statement
Cash Flow Operations $44.3M $46.5M $48.6M -$10.8M $24M
Cash From Investing -$89.8M -$181.4M -$97.9M -$85.3M -$41.6M
Cash From Financing $57.5M $146.4M $90.6M $6.9M -$31.6M
Free Cash Flow $43.2M $42.2M $46.9M -$11.6M $23.3M
COFS
Sector
Market Cap
$441.8M
$616.2M
Price % of 52-Week High
77.01%
85.86%
Dividend Yield
3.74%
1.99%
Shareholder Yield
-6.9%
3.77%
1-Year Price Total Return
15.67%
8.45%
Beta (5-Year)
0.718
0.714
Dividend yield:
3.74%
Annualized payout:
$1.09
Payout ratio:
33.72%
Growth streak:
4 years

Technicals

8-day SMA
Buy
Level $28.92
200-day SMA
Sell
Level $31.20
Bollinger Bands (100)
Sell
Level 31.4 - 36.32
Chaikin Money Flow
Buy
Level 47.8K
20-day SMA
Sell
Level $30.02
Relative Strength Index (RSI14)
Sell
Level 38.03
ADX Line
Buy
Level 10.58
Williams %R
Neutral
Level -51.1111
50-day SMA
Sell
Level $32.12
MACD (12, 26)
Buy
Level 6.50
25-day Aroon Oscillator
Sell
Level -76
On Balance Volume
Sell
Level -44.6K

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.4409)
Sell
CA Score (Annual)
Level (-2.2171)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (7)
Sell
Ohlson Score
Level (2.3314)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (9)

Revenue Forecast

Earnings per Share Forecast

Company Profile

ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.

Stock Forecast FAQ

In the current month, COFS has received 3 Buy ratings 0 Hold ratings, and 0 Sell ratings. The COFS average analyst price target in the past 3 months is $37.33.

  • Where Will ChoiceOne Financial Services Stock Be In 1 Year?

    According to analysts, the consensus estimate is that ChoiceOne Financial Services share price will rise to $37.33 per share over the next 12 months.

  • What Do Analysts Say About ChoiceOne Financial Services?

    Analysts are divided on their view about ChoiceOne Financial Services share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that ChoiceOne Financial Services is a Sell and believe this share price will drop from its current level to $35.00.

  • What Is ChoiceOne Financial Services's Price Target?

    The price target for ChoiceOne Financial Services over the next 1-year time period is forecast to be $37.33 according to 3 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is COFS A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for ChoiceOne Financial Services is a Buy. 3 of 3 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of COFS?

    You can purchase shares of ChoiceOne Financial Services via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase ChoiceOne Financial Services shares.

  • What Is The ChoiceOne Financial Services Share Price Today?

    ChoiceOne Financial Services was last trading at $29.28 per share. This represents the most recent stock quote for ChoiceOne Financial Services. Yesterday, ChoiceOne Financial Services closed at $29.38 per share.

  • How To Buy ChoiceOne Financial Services Stock Online?

    In order to purchase ChoiceOne Financial Services stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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