ChoiceOne Financial Services, Inc.
General ticker "COFS" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $317.2M (TTM average)
ChoiceOne Financial Services, Inc. follows the US Stock Market performance with the rate: 27.0%.
Estimated limits based on current volatility of 1.4%: low 30.80$, high 31.70$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-15, amount 0.28$ (Y3.54%)
- Total employees count: 392 (+0.8%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate market risks, Regulatory and compliance, Economic downturns and volatility, Cybersecurity threats, Labor/talent shortage/retention
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [30.87$, 41.43$]
- 2025-12-31 to 2026-12-31 estimated range: [30.99$, 42.44$]
Financial Metrics affecting the COFS estimates:
- Positive: with PPE of 10.7 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 23.79 > 18.64
- Positive: Operating cash flow per share per price, % of 16.82 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: Investing cash flow per share per price, % of -33.86 <= -14.38
- Negative: -0.75 < Inventory ratio change, % of 0
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.97
- Positive: Industry operating profit margin (median), % of 19.98 > 9.92
Short-term COFS quotes
Long-term COFS plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $89.13MM | $113.89MM | $139.10MM |
| Operating Expenses | $61.47MM | $88.32MM | $106.01MM |
| Operating Income | $27.66MM | $25.57MM | $33.09MM |
| Interest Expense | $7.75MM | $33.09MM | $46.66MM |
| Income(Loss) | $27.66MM | $25.57MM | $33.09MM |
| Taxes | $4.02MM | $4.31MM | $6.36MM |
| Profit(Loss)* | $23.64MM | $21.26MM | $26.73MM |
| Stockholders Equity | $168.87MM | $195.63MM | $260.42MM |
| Assets | $2,385.91MM | $2,576.71MM | $2,723.24MM |
| Operating Cash Flow | $45.02MM | $46.48MM | $48.65MM |
| Capital expenditure | $1.16MM | $4.23MM | $1.71MM |
| Investing Cash Flow | $-90.50MM | $-181.37MM | $-97.91MM |
| Financing Cash Flow | $57.54MM | $146.37MM | $90.58MM |
| Earnings Per Share** | $3.15 | $2.82 | $3.27 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.