COFSNasdaqState Commercial BanksFiscal year ends December 31
CHOICEONE FINANCIAL SERVICES INC
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$32.84−0.26 (-0.79%)
Close on Oct 19, 2026
- Market cap
- $492.81M
- P/E (TTM)
- 16.3
- Dividend yield
- 3.44%
Choiceone Financial Services statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Market Cap | $491.14M | $679.86M |
| Enterprise Value | $402.49M | $418.07M |
| PS Ratio | 3.77 | 3.62 |
| PB Ratio | 1.02 | 1.18 |
| P/TBV Ratio | 1.51 | 1.42 |
| P/FCF Ratio | 9.62 | 10.93 |
| P/OCF Ratio | 8.31 | 10.04 |
Enterprise value
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| EV / Sales | 3.09 | 2.78 |
| EV / FCF | 7.89 | 8.40 |
Income (trailing twelve months)
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Revenue | $130.28M | $170.85M |
| Pretax Income | $66.83M | $70.12M |
| Net Income | $54.72M | $54.33M |
Margins
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Pretax Margin | 51.3% | 36.4% |
| Profit Margin | 42.0% | 29.1% |
| FCF Margin | 39.2% | 33.0% |
Returns
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Return on Equity (ROE) | 12.0% | 10.5% |
| Return on Assets (ROA) | 1.25% | 1.12% |
Growth
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 46.2% | 11.8% |
| Net Income Growth (YoY) | 287.1% | 23.1% |
| FCF Growth (YoY) | 247.3% | 27.1% |
| Revenue Growth (3Y CAGR) | 36.7% | 5.82% |
| Revenue Growth (5Y CAGR) | 25.3% | 6.17% |
| EPS Growth (3Y CAGR) | -13.9% | 1.26% |
| EPS Growth (5Y CAGR) | -0.59% | 8.24% |
Balance sheet
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $88.65M | $205.54M |
| Net Cash (Debt) | $88.65M | $164.40M |
| Net Cash Per Share | $5.93 | $8.13 |
| Equity (Book Value) | $482.68M | $560.44M |
| Book Value Per Share | $32.27 | $28.47 |
| Tangible Book Value | $324.94M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Operating Cash Flow | $59.10M | $61.20M |
| Capital Expenditures | -$8.05M | -$4.02M |
| Free Cash Flow | $51.04M | $52.43M |
| FCF Per Share | $3.41 | $3.07 |
Efficiency
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Asset Turnover | 0.03 | 0.04 |
| Revenue Per Employee | $217.86K | $357.09K |
| Profits Per Employee | $91.50K | $107.23K |
| Employee Count | 598 | 528 |
Dividends and yields
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Earnings Yield | 11.1% | 8.07% |
| FCF Yield | 10.4% | 8.89% |
| Dividend Yield | 3.44% | 2.48% |
| Buyback Yield | -0.20% | 1.52% |
| Shareholder Yield | 3.25% | 3.13% |
| Dividend Per Share | $1.13 | $0.93 |
| Dividend Growth (YoY) | 3.67% | 4.26% |
| Years of Dividend Growth | 5 | 2 |
| Payout Ratio | 31.5% | 29.4% |
| FCF Payout Ratio | 33.8% | 26.0% |
Shares
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Shares Outstanding | 14,955,500 | 18,910,300 |
| Shares Change (YoY) | 38.6% | 0.39% |
| Shares Change (QoQ) | -0.07% | 0.00% |
| Float | 13,987,400 | 16,895,350 |
| Shares Held by Insiders | 6.47% | 5.92% |
| Shares Held by Institutions | 46.8% | 61.9% |
Taxes
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Income Tax | $12.12M | $14.50M |
| Effective Tax Rate | 18.1% | 21.1% |
Scores
| Measure | Choiceone Financial Services | Industry median |
|---|---|---|
| Altman Z-Score | 0.14 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Choiceone Financial Services's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.