ChoiceOne Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . ChoiceOne Financial Services
COFS Stock  USD 28.50  0.68  2.33%   
ChoiceOne Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing ChoiceOne Financial's valuation are provided below:
Gross Profit
127.9 M
Profit Margin
0.1678
Market Capitalization
428.2 M
Enterprise Value Revenue
4.7838
Revenue
127.9 M
There are over one hundred nineteen available fundamental signals for ChoiceOne Financial Services, which can be analyzed over time and compared to other ratios. All traders should validate ChoiceOne Financial's prevailing fundamentals against the performance from 2010 to 2026 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 218.5 M in 2026. Enterprise Value is likely to gain to about 155.1 M in 2026

ChoiceOne Financial Total Revenue

167.96 Million

Check ChoiceOne Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among ChoiceOne Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 14.9 M, Interest Expense of 56.3 M or Selling General Administrative of 42 M, as well as many indicators such as Price To Sales Ratio of 3.01, Dividend Yield of 0.0274 or PTB Ratio of 1.36. ChoiceOne financial statements analysis is a perfect complement when working with ChoiceOne Financial Valuation or Volatility modules.
  
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ChoiceOne Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets3.3 B3.1 B1.4 B
Slightly volatile
Short and Long Term Debt Total254.5 M242.4 M81.7 M
Slightly volatile
Other Current Liabilities2.7 B2.5 B1.2 B
Slightly volatile
Total Current Liabilities2.9 B2.7 B1.3 B
Slightly volatile
Total Stockholder Equity314.5 M299.5 M143.4 M
Slightly volatile
Property Plant And Equipment Net32.7 M31.2 M19.8 M
Slightly volatile
Retained Earnings110.4 M105.1 M42.8 M
Slightly volatile
Cash116.4 M110.9 M44.3 M
Slightly volatile
Non Current Assets Total2.6 B2.5 B1 B
Slightly volatile
Non Currrent Assets Other145.6 M138.6 M56.5 M
Slightly volatile
Cash And Short Term Investments694.9 M661.8 M388.4 M
Slightly volatile
Common Stock Total Equity208 M198.1 M107.3 M
Slightly volatile
Common Stock Shares Outstanding9.9 M9.5 M5.6 M
Slightly volatile
Liabilities And Stockholders Equity3.3 B3.1 B1.4 B
Slightly volatile
Total Liabilities3 B2.8 B1.3 B
Slightly volatile
Property Plant And Equipment Gross59.6 M56.7 M27.4 M
Slightly volatile
Total Current Assets695.4 M662.2 M388.5 M
Slightly volatile
Short Term Debt187.2 M178.2 M48.4 M
Slightly volatile
Common Stock249.7 M237.8 M114.2 M
Slightly volatile
Other Current Assets299.2 K315 K391.6 M
Slightly volatile
Good Will72.4 M68.9 M35.6 M
Slightly volatile
Other Liabilities4.8 M8.9 M5.1 M
Slightly volatile
Accounts Payable2.6 B2.4 B1.2 B
Slightly volatile
Long Term Debt36.8 M64.1 M38.1 M
Slightly volatile
Inventory165.9 K174.6 K1 M
Slightly volatile
Intangible Assets1.2 M1.3 M2.2 M
Very volatile
Property Plant Equipment18.5 M32.5 M19.7 M
Slightly volatile
Net Tangible Assets98.8 M122 M86.7 M
Slightly volatile
Long Term Investments544.7 M1 B485.9 M
Slightly volatile
Short and Long Term Debt187.2 M178.2 M50.5 M
Slightly volatile
Earning Assets227.7 M405.1 M251.2 M
Slightly volatile
Net Invested Capital568.9 M541.8 M203 M
Slightly volatile
Capital Stock176.1 M237.8 M115.9 M
Slightly volatile

ChoiceOne Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization14.9 M14.2 M6.5 M
Slightly volatile
Interest Expense56.3 M53.7 M13.4 M
Slightly volatile
Selling General Administrative42 M40 M19.3 M
Slightly volatile
Total Revenue168 M160 M64.7 M
Slightly volatile
Gross Profit110.9 M105.6 M50.4 M
Slightly volatile
Other Operating Expenses128 M121.9 M48.3 M
Slightly volatile
Operating Income40 M38.1 M16.3 M
Slightly volatile
EBIT40 M38.1 M16.3 M
Slightly volatile
EBITDA54.8 M52.2 M22.8 M
Slightly volatile
Cost Of Revenue57.1 M54.4 M14.3 M
Slightly volatile
Income Before Tax40 M38.1 M16.3 M
Slightly volatile
Net Income32.3 M30.7 M13.2 M
Slightly volatile
Income Tax Expense7.7 M7.3 M3.1 M
Slightly volatile
Selling And Marketing Expenses951.5 K906.2 K484.3 K
Slightly volatile
Net Income Applicable To Common Shares28.5 M27.2 M12.8 M
Slightly volatile
Net Income From Continuing Ops32.3 M30.7 M13.5 M
Slightly volatile
Tax Provision7.7 M7.3 M3.3 M
Slightly volatile
Net Interest Income47 M85.6 M38.3 M
Slightly volatile
Interest Income146.2 M139.3 M53.9 M
Slightly volatile
Reconciled Depreciation14.9 M14.2 M4.9 M
Slightly volatile

ChoiceOne Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation869.4 K828 K442.3 K
Slightly volatile
Free Cash Flow56.7 M54 M21 M
Slightly volatile
Begin Period Cash Flow66.9 M63.7 M34.3 M
Slightly volatile
Depreciation14.9 M14.2 M6.5 M
Slightly volatile
Capital Expenditures1.3 M2 M1.6 M
Slightly volatile
Total Cash From Operating Activities58.7 M55.9 M22.7 M
Slightly volatile
Net Income32.3 M30.7 M13.2 M
Slightly volatile
End Period Cash Flow116.8 M111.3 M44.3 M
Slightly volatile
Issuance Of Capital Stock39.6 M37.7 M6.6 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.012.413.0631
Slightly volatile
Dividend Yield0.02740.02790.0294
Pretty Stable
PTB Ratio1.361.291.1858
Pretty Stable
Days Sales Outstanding68.2453.4750.1248
Very volatile
Book Value Per Share30.1428.722.278
Slightly volatile
Free Cash Flow Yield0.0960.150.1254
Very volatile
Operating Cash Flow Per Share5.635.363.3606
Slightly volatile
Stock Based Compensation To Revenue0.00460.00470.0061
Slightly volatile
Capex To Depreciation0.150.160.399
Pretty Stable
PB Ratio1.361.291.1858
Pretty Stable
EV To Sales4.423.353.4548
Pretty Stable
Free Cash Flow Per Share5.435.173.0507
Slightly volatile
ROIC0.0350.04720.0571
Pretty Stable
Net Income Per Share3.092.951.9815
Slightly volatile
Sales General And Administrative To Revenue0.250.220.3245
Slightly volatile
Capex To Revenue0.01340.01410.0342
Pretty Stable
Cash Per Share66.663.4359.5212
Slightly volatile
POCF Ratio9.86.8810.3401
Very volatile
Interest Coverage0.610.643.526
Slightly volatile
Payout Ratio0.560.390.4053
Pretty Stable
Capex To Operating Cash Flow0.03830.04030.1173
Pretty Stable
PFCF Ratio13.247.1312.4027
Very volatile
Income Quality2.132.091.7567
Pretty Stable
ROE0.09280.120.0885
Slightly volatile
EV To Operating Cash Flow14.59.5811.104
Very volatile
PE Ratio16.6812.5214.4116
Pretty Stable
Return On Tangible Assets0.00970.01150.0096
Very volatile
EV To Free Cash Flow9.449.9312.5982
Very volatile
Earnings Yield0.05860.08270.0781
Pretty Stable
Intangibles To Total Assets0.01950.02020.025
Very volatile
Current Ratio0.140.220.3039
Very volatile
Tangible Book Value Per Share23.0721.9716.6878
Slightly volatile
Receivables Turnover4.947.067.4407
Very volatile
Graham Number45.843.6131.2283
Slightly volatile
Shareholders Equity Per Share30.1428.722.278
Slightly volatile
Debt To Equity1.180.930.5188
Slightly volatile
Capex Per Share0.270.190.314
Pretty Stable
Revenue Per Share16.115.339.6886
Slightly volatile
Interest Debt Per Share38.0636.2514.1776
Slightly volatile
Debt To Assets0.110.0890.0527
Slightly volatile
Enterprise Value Over EBITDA15.310.269.7705
Very volatile
Short Term Coverage Ratios0.340.360.872
Very volatile
Price Earnings Ratio16.6812.5214.4116
Pretty Stable
Operating Cycle68.2453.4750.1248
Very volatile
Price Book Value Ratio1.361.291.1858
Pretty Stable
Dividend Payout Ratio0.560.390.4053
Pretty Stable
Price To Operating Cash Flows Ratio9.86.8810.3401
Very volatile
Price To Free Cash Flows Ratio13.247.1312.4027
Very volatile
Pretax Profit Margin0.250.270.2676
Pretty Stable
Operating Profit Margin0.250.270.2676
Pretty Stable
Effective Tax Rate0.230.220.2118
Slightly volatile
Company Equity Multiplier10.6412.039.5308
Slightly volatile
Long Term Debt To Capitalization0.330.20.1566
Slightly volatile
Total Debt To Capitalization0.470.510.3032
Slightly volatile
Return On Capital Employed0.05610.08410.0876
Slightly volatile
Debt Equity Ratio1.180.930.5188
Slightly volatile
Ebit Per Revenue0.250.270.2676
Pretty Stable
Quick Ratio0.140.220.3039
Very volatile
Dividend Paid And Capex Coverage Ratio2.144.083.2077
Pretty Stable
Net Income Per E B T0.630.730.777
Very volatile
Cash Ratio0.03890.04680.0373
Very volatile
Cash Conversion Cycle68.2453.4750.1248
Very volatile
Operating Cash Flow Sales Ratio0.340.40.3538
Pretty Stable
Days Of Sales Outstanding68.2453.4750.1248
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.660.870.8597
Pretty Stable
Cash Flow Coverage Ratios0.370.270.504
Slightly volatile
Price To Book Ratio1.361.291.1858
Pretty Stable
Fixed Asset Turnover4.854.622.8175
Slightly volatile
Capital Expenditure Coverage Ratio26.9525.6617.6962
Very volatile
Price Cash Flow Ratio9.86.8810.3401
Very volatile
Enterprise Value Multiple15.310.269.7705
Very volatile
Debt Ratio0.110.0890.0527
Slightly volatile
Cash Flow To Debt Ratio0.370.270.504
Slightly volatile
Price Sales Ratio3.012.413.0631
Slightly volatile
Return On Assets0.00960.01130.0094
Very volatile
Asset Turnover0.05760.05870.046
Very volatile
Net Profit Margin0.140.170.2052
Pretty Stable
Gross Profit Margin0.50.590.7916
Very volatile
Price Fair Value1.361.291.1858
Pretty Stable
Return On Equity0.09280.120.0885
Slightly volatile

ChoiceOne Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap218.5 M208.1 M149.5 M
Slightly volatile
Enterprise Value155.1 M147.7 M124.1 M
Slightly volatile

ChoiceOne Fundamental Market Drivers

Forward Price Earnings7.7942
Cash And Short Term Investments575.5 M

ChoiceOne Upcoming Events

24th of April 2024
Upcoming Quarterly Report
View
24th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
22nd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About ChoiceOne Financial Financial Statements

ChoiceOne Financial shareholders use historical fundamental indicators, such as revenue or net income, to determine how well the company is positioned to perform in the future. Although ChoiceOne Financial investors may analyze each financial statement separately, they are all interrelated. The changes in ChoiceOne Financial's assets and liabilities, for example, are also reflected in the revenues and expenses on on ChoiceOne Financial's income statement. Understanding these patterns can help investors time the market effectively. Please read more on our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue160 M168 M
Cost Of Revenue54.4 M57.1 M
Sales General And Administrative To Revenue 0.22  0.25 
Capex To Revenue 0.01  0.01 
Revenue Per Share 15.33  16.10 
Ebit Per Revenue 0.27  0.25 

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Additional Tools for ChoiceOne Stock Analysis

When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.
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