COFS

ChoiceOne Financial Services Inc.

Price

$34.05

return (12m)

17.68%

p/e

9.19

p/bv

1.04

DIVIDEND YIELD

3.42%

COFS price

ChoiceOne Financial Services

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

Return on Investment COFS

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

0.39%

3 months

8.53%

1 year

17.68%

2 years

23.24%

5 years

65.50%

10 years

146.68%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals COFS

Valuation

P/E

9.19

Sector -142.61

Industry 9.05

P/BV

1.04

Sector -8.03

Industry 1.00

P/Revenue (PSR)

2.93

Sector -12.13

Industry 0.97

EV/EBITDA

Sector -748,048,439.87

Industry 12.59

EV/EBIT

Sector -5,388,598,507.43

Industry -53.88

P/EBITDA

Sector -101.58

Industry 3.88

P/EBIT

Sector -119.16

Industry -2.31

P/Total Assets

0.11

Sector 0.14

Industry 0.28

P/Net Current Assets

-0.13

Sector -7.71

Industry -9.34

P/Working Capital

Sector -

Industry -0.61

EPS

3.66

Sector -9,594.04

Industry 4.37

BVPS

32.26

Sector -26,074.98

Industry 26.27

Efficiency

Gross Margin

0.00%

Sector -0.07%

Industry 50.47%

EBITDA Margin

0.00%

Sector -312.01%

Industry 16.64%

EBIT Margin

0.00%

Sector -360,243.68%

Industry 9.63%

Operating Margin

0.00%

Sector -6.49%

Industry 9.93%

Net Profit Margins

31.85%

Sector -1.92%

Industry 8.74%

Asset Turnover

0.01

Sector 0.01

Industry 0.06

Profitability

ROE

11.34%

Sector -1,330.04%

Industry 12.11%

ROA

1.23%

Sector -7.68%

Industry 2.66%

ROIC

0.00%

Sector -12.29%

Industry -2.58%

Dividends

Dividend yield

3.42%

Sector 0.25%

Industry 0.47%

Payout

31.43%

Sector 5.42%

Industry 8.16%

Debt

Current Ratio

Sector -

Industry 0.99

Net Debt / EBITDA

Sector -492,888,154.18

Industry -0.83

Net Debt / EBIT

Sector -4,517,275,612.45

Industry -45.11

Net Debt / Equity

0.00

Sector -0.81

Industry 0.17

Gross Debt / Equity

0.00

Sector -0.23

Industry 0.50

Equity/Assets

0.11

Sector -0.02

Industry 0.24

Liabilities/Assets

0.89

Sector 0.37

Industry 0.72

Growth

5Y Revenue CAGR

16.56%

Sector -

Industry -

5Y Earnings CAGR

19.94%

Sector -

Industry -

Fundamentals COFS

DRAG THE FRAME TO SEE MORE DATA

FAIR VALUE OF ChoiceOne Financial Services ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$34.05

Fair Value

$51.54

Upside Return potential.

51.37%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price (US$)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
COFS ChoiceOne Financial Services Inc.	$34.05	17.68%	3.42%	9.19	1.04	11.34%	31.85%
NU Nu Holdings (NuBank)	$14.62	-6.82%	0.00%	19.88	5.41	27.22%	18.61%
BAC Bank of America Corporation	$62.69	27.32%	1.79%	13.79	1.51	10.97%	16.92%
HSBC HSBC Holdings PLC	$105.29	61.51%	3.65%	14.06	1.80	12.84%	18.78%
C Citigroup Inc.	$138.82	42.56%	1.78%	14.28	1.13	7.94%	9.67%
RY ROYAL BANK OF CANADA	$205.90	47.68%	2.30%	21.53	2.75	12.76%	15.73%
ITUB Itau Unibanco Banco Holding SA	$8.33	33.33%	6.90%	384.22	58.40	15.20%	9.21%
ING ING Group N.V.	$37.27	53.29%	3.60%	6.72	1.44	21.39%	25.90%
SAN Banco Santander SA ADR	$14.96	51.50%	1.36%	5.22	1.34	25.71%	30.33%
WFC Wells Fargo & Company	$90.29	13.23%	2.05%	12.57	1.54	12.26%	17.12%
LYG Lloyds Banking Group PLC	$6.01	40.23%	3.37%	1.22	0.20	16.09%	8.25%
TD Toronto Dominion Bank	$120.97	63.87%	2.61%	72.95	3.06	4.19%	15.79%
NWG NatWest Group PLC	$18.89	38.48%	3.34%	2.55	0.37	14.39%	20.44%
BCS Barclays PLC	$26.70	32.88%	1.74%	11.34	0.65	5.73%	11.31%
BBD Banco Bradesco SA ADR	$3.60	29.92%	7.65%	42.85	5.69	13.27%	7.37%
BSBR Banco Santander Brasil SA ADR	$6.02	19.08%	5.65%	89.60	9.41	10.51%	3.93%
MUFG Mitsubishi UFJ Financial Group Inc.	$23.89	57.62%	1.81%	2,341.77	316.49	13.51%	20.20%
BSAC Banco Santander Chile	$35.17	43.16%	4.32%	13.53	2.92	21.58%	34.03%
DB Deutsche Bank AG	$40.48	11.87%	2.15%	12.13	0.88	7.22%	9.00%
USB U.S. Bancorp	$62.84	34.15%	3.35%	12.10	1.43	11.83%	18.24%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

COFS Historical Dividends

current DY: 3.42%

5-year average DY: 3.87%

DRAG THE FRAME TO SEE MORE DATA

type	Ex - Dividend Date	payment date	value
Dividends	09/14/2026	09/30/2026	0.29000000
Dividends	06/12/2026	06/30/2026	0.29000000
Dividends	03/12/2026	03/31/2026	0.29000000
Dividends	12/12/2025	12/31/2025	0.29000000
Dividends	09/12/2025	09/30/2025	0.28000000
Dividends	06/12/2025	06/30/2025	0.28000000
Dividends	03/13/2025	03/31/2025	0.28000000
Dividends	12/12/2024	12/31/2024	0.28000000
Dividends	09/12/2024	09/30/2024	0.27000000
Dividends	06/13/2024	06/28/2024	0.27000000
Dividends	03/13/2024	03/29/2024	0.27000000
Dividends	12/13/2023	12/29/2023	0.27000000
Dividends	09/13/2023	09/29/2023	0.26000000
Dividends	06/13/2023	06/30/2023	0.26000000
Dividends	03/13/2023	03/31/2023	0.26000000
Dividends	12/13/2022	12/30/2022	0.26000000
Dividends	09/13/2022	09/30/2022	0.25000000
Dividends	06/13/2022	06/30/2022	0.25000000
Dividends	03/11/2022	03/31/2022	0.25000000
Dividends	12/13/2021	12/31/2021	0.25000000
Dividends	09/13/2021	09/30/2021	0.25000000
Dividends	06/11/2021	06/30/2021	0.22000000
Dividends	03/11/2021	03/31/2021	0.22000000
Dividends	12/11/2020	12/31/2020	0.22000000
Dividends	09/11/2020	09/30/2020	0.20000000
Dividends	06/11/2020	06/30/2020	0.20000000
Dividends	03/11/2020	03/31/2020	0.20000000
Dividends	12/11/2019	12/31/2019	0.20000000
Dividends	09/17/2019	09/30/2019	0.80000000
Dividends	06/12/2019	06/28/2019	0.19590000
Dividends	03/13/2019	03/29/2019	0.19590000
Dividends	12/12/2018	12/31/2018	0.17630000
Dividends	09/12/2018	09/28/2018	0.17630000
Dividends	06/13/2018	06/29/2018	0.17630000
Dividends	03/13/2018	03/30/2018	0.17142857
Dividends	12/13/2017	12/29/2017	0.16190476
Dividends	09/13/2017	09/29/2017	0.16190476
Dividends	06/13/2017	06/30/2017	0.16190476
Dividends	03/13/2017	03/31/2017	0.15419501
Dividends	12/13/2016	12/30/2016	0.15419501
Dividends	09/13/2016	09/30/2016	0.15419501
Dividends	06/13/2016	06/30/2016	0.15419501
Dividends	03/11/2016	03/31/2016	0.15419501
Dividends	12/11/2015	12/31/2015	0.13696145
Dividends	09/11/2015	09/30/2015	0.15419501
Dividends	06/11/2015	06/30/2015	0.15419501
Dividends	03/11/2015	03/31/2015	0.13605442
Dividends	12/11/2014	12/31/2014	0.13605442
Dividends	09/11/2014	09/30/2014	0.13605442
Dividends	06/11/2014	06/30/2014	0.13605442
Dividends	03/12/2014	03/31/2014	0.12698413
Dividends	12/11/2013	12/31/2013	0.12698413
Dividends	09/11/2013	09/30/2013	0.12698413
Dividends	06/12/2013	06/28/2013	0.11791383
Dividends	03/13/2013	03/29/2013	0.11791383
Dividends	12/12/2012	12/31/2012	0.11791383
Dividends	09/12/2012	09/28/2012	0.11791383
Dividends	06/13/2012	06/29/2012	0.10884354
Dividends	03/13/2012	03/30/2012	0.10884354
Dividends	12/13/2011	12/30/2011	0.10884354
Dividends	09/13/2011	09/30/2011	0.10884354
Dividends	06/13/2011	06/30/2011	0.10884354
Dividends	03/11/2011	03/31/2011	0.10884354
Dividends	12/13/2010	12/31/2010	0.10884354
Dividends	09/13/2010	09/30/2010	0.10884354
Dividends	06/11/2010	06/30/2010	0.10884354
Dividends	03/11/2010	03/31/2010	0.10884354
Dividends	12/11/2009	12/31/2009	0.10884354
Dividends	09/11/2009	09/30/2009	0.10884354
Dividends	06/11/2009	06/30/2009	0.10884354
Dividends	03/11/2009	03/31/2009	0.10884354
Dividends	12/11/2008	12/31/2008	0.15419501
Dividends	09/11/2008	09/30/2008	0.15419501
Dividends	06/11/2008	06/30/2008	0.15419501
Dividends	03/12/2008	03/31/2008	0.15419501
Dividends	12/12/2007	12/31/2007	0.15419501
Dividends	09/12/2007	09/28/2007	0.15419501
Dividends	06/13/2007	06/29/2007	0.15419501
Dividends	03/13/2007	03/30/2007	0.15419501
Dividends	12/13/2006	12/29/2006	0.15419501
Dividends	09/13/2006	09/29/2006	0.15419501
Dividends	06/13/2006	06/30/2006	0.15419501
Dividends	03/13/2006	03/31/2006	0.15419501
Dividends	12/13/2005	12/30/2005	0.15419501
Dividends	09/13/2005	09/30/2005	0.15419501
Dividends	06/13/2005	06/30/2005	0.15419501
Dividends	03/11/2005	03/31/2005	0.14685239
Dividends	12/13/2004	12/31/2004	0.14685239
Dividends	09/13/2004	09/30/2004	0.14685239
Dividends	06/11/2004	06/30/2004	0.14685239
Dividends	03/10/2004	03/31/2004	0.14685239
Dividends	12/10/2003	12/31/2003	0.14685239
Dividends	09/11/2003	09/30/2003	0.14685239
Dividends	06/11/2003	06/30/2003	0.17000324
Dividends	03/11/2003	03/31/2003	0.12430623
Dividends	12/11/2002	12/31/2002	0.12430623
Dividends	09/11/2002	09/30/2002	0.12430623
Dividends	06/11/2002	06/28/2002	0.12430623
Dividends	03/12/2002	03/29/2002	0.11843213
Dividends	12/12/2001	12/31/2001	0.11843213
Dividends	09/11/2001	09/28/2001	0.11843213

ABOUT ChoiceOne Financial Services

ChoiceOne Financial Services Inc.

Average Investor10 user rating

4.0 (10 people)

United States

40 years

Founded: 1986

2001

Time since IPO - 25 years

359

Employees

ChoiceOne Financial Services Inc. (United States) is listed on the Nasdaq and has a market capitalization of $502.68 million, with shareholders equity totaling $482.68 million.

The company employs approximately 359 people and operates in the Financial sector, within the Banks industry.

Over the past 12 months, ChoiceOne Financial Services Inc. reported $171.77 million in revenue, generating net income of $54.72 million.

Key financial metrics include a P/E ratio of 9.19, a price-to-book (P/B) ratio of 1.04, and a trailing twelve-month dividend yield of 3.42%.

The company trades under the ticker COFS.

Market cap

$502.68 million

Net worth

$482.68 million

$482,679,000.00

Assets

$4.46 billion

$4,456,889,000.00

Total Shares Outstanding

14.96 million

14,962,000

Average Daily Trading Volume

$79.72 Thousand

$79,716.30

Sector

Financial

Industry

Banks

COFS

COFS revenue and profits

Financial Results COFS

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COFS cash flow

DRAG THE FRAME TO SEE MORE DATA

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P/E

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ROE

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P/BV

0.20

BRK-A - Berkshire Hathaway

$764,507.67 3,27% (12M)

P/E

12.73

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ROE

11.45%

P/BV

1.46

BRK-B - Berkshire Hathaway

$510.37 3,37% (12M)

P/E

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P/BV

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JPM - JPMorgan

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ROE

17.37%

P/BV

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SAN - Banco Santander SA ADR

$14.96 51,50% (12M)

P/E

5.22

1.36%

ROE

25.71%

P/BV

1.34

BAC - Bank of America

$62.69 27,32% (12M)

P/E

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1.79%

ROE

10.97%

P/BV

1.51

C - Citigroup

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P/E

14.28

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ROE

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P/BV

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SNEX - StoneX Group

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P/E

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0.00%

ROE

18.53%

P/BV

2.86