ChoiceOne Financial Services Inc (COFS) stock analysis

P/E against its history

Not enough price and earnings history to compare.

P/E against the industry

Needs positive earnings and enough profitable companies in the industry.

P/S above the industry

ChoiceOne Financial Services's price-to-sales of 4.20 is above the Commercial Banks median of 3.60.

P/B below the industry

ChoiceOne Financial Services's price-to-book of 1.17 is below the Commercial Banks median of 1.29.

Price against fair value

We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

Margin of safety

Depends on the fair value estimate.

Revenue growing 10%+ a year

Revenue grew 36.7% a year over the last three fiscal years.

EPS growing under 10% a year

Diluted EPS grew -13.9% a year over the last three fiscal years.

Earnings growth accelerating

Net income grew 154% over the last twelve months, against a 5-year average of 12.5% a year.

Growing faster than the industry

Revenue grew 43.5% over the last twelve months; the Commercial Banks median is 11.3%.

Guidance lowered

ChoiceOne Financial Services lowered its remainder of 2026 interest income due to accretion from purchased loans outlook on Apr 24, 2026.

Gross margin trend

Banks and insurers do not report gross profit.

Return on equity under 15%

Return on equity was 11.9% over the last twelve months and averaged 10.7% over five years; we look for 15% on both.

Return on assets over 1%

Return on assets was 1.2%; for a bank or insurer, 1% or more is considered good.

Return on equity above the industry

ChoiceOne Financial Services's return on equity of 11.9% is above the Commercial Banks median of 11.5%.

Earnings grew over 5 years

Net income grew 12.5% a year on average over the last five fiscal years.

Net margin above its 5-year average

Net margin was 41.8% over the last twelve months, against a 5-year average of 20.9%.

Net margin above the industry

ChoiceOne Financial Services's net margin of 41.8% is above the Commercial Banks median of 30.3%.

Well capitalized

Equity is 10.5% of total assets; 8% or more is a comfortable cushion.

Loans funded by deposits

Needs loans and deposits.

Adequate loan-loss reserve

The allowance for credit losses is not reported.

High cost base

Non-interest expense takes 60.2% of revenue; under 60% is efficient for a bank.

Deposits growing

Deposits grew 2.9% over the past year.

Borrowings

Needs debt and equity figures.

Pays a dividend

ChoiceOne Financial Services paid dividends worth 3.2% of the share price over the last twelve months.

Yield below Treasuries

The 3.2% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; ChoiceOne Financial Services yields 3.2%.

Dividend was cut

The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

Covered by earnings

Dividends take 31.8% of net income.

Covered by free cash flow

Dividends take 33.4% of free cash flow.