ChoiceOne Financial Valuation
| COFS Stock | USD 29.28 0.31 1.07% |
At this time, the firm appears to be undervalued. ChoiceOne Financial shows a prevailing Real Value of $32.36 per share. The current price of the firm is $29.28. Our model approximates the value of ChoiceOne Financial from analyzing the firm fundamentals such as Profit Margin of 0.17 %, current valuation of 575.64 M, and Return On Equity of 0.0616 as well as examining its technical indicators and probability of bankruptcy.
Undervalued
Today
Please note that ChoiceOne Financial's price fluctuation is very steady at this time. Calculation of the real value of ChoiceOne Financial is based on 3 months time horizon. Increasing ChoiceOne Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the ChoiceOne stock is determined by what a typical buyer is willing to pay for full or partial control of ChoiceOne Financial Services. Since ChoiceOne Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of ChoiceOne Stock. However, ChoiceOne Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 29.28 | Real 32.36 | Hype 29.61 | Naive 28.01 |
The intrinsic value of ChoiceOne Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence ChoiceOne Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of ChoiceOne Financial Services helps investors to forecast how ChoiceOne stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of ChoiceOne Financial more accurately as focusing exclusively on ChoiceOne Financial's fundamentals will not take into account other important factors: ChoiceOne Financial Total Value Analysis
ChoiceOne Financial Services is currently forecasted to have valuation of 575.64 M with market capitalization of 435.24 M, debt of 210.75 M, and cash on hands of 51.49 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the ChoiceOne Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
575.64 M | 435.24 M | 210.75 M | 51.49 M |
ChoiceOne Financial Investor Information
About 44.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.97. Some equities with similar Price to Book (P/B) outperform the market in the long run. ChoiceOne Financial last dividend was issued on the 15th of December 2025. The entity had 105:100 split on the 9th of May 2018. ChoiceOne Financial Services is not in a good financial situation at this time. It has a very high probability of going through financial hardship in February.ChoiceOne Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of ChoiceOne implies not a very effective usage of assets in January.ChoiceOne Financial Ownership Allocation
ChoiceOne Financial holds a total of 15.02 Million outstanding shares. 30% of ChoiceOne Financial Services outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.ChoiceOne Financial Profitability Analysis
The company reported the previous year's revenue of 139.1 M. Net Income was 26.73 M with profit before overhead, payroll, taxes, and interest of 127.93 M.ChoiceOne Financial Past Distributions to stockholders
About ChoiceOne Financial Valuation
The stock valuation mechanism determines ChoiceOne Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of ChoiceOne Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of ChoiceOne Financial. We calculate exposure to ChoiceOne Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of ChoiceOne Financial's related companies.ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan. Choiceone Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 383 people.
A single share of ChoiceOne Financial represents a small ownership stake in the entity. As a stockholder of ChoiceOne, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
ChoiceOne Financial Dividends Analysis For Valuation
There are various types of dividends ChoiceOne Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of ChoiceOne shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from ChoiceOne Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When ChoiceOne pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of ChoiceOne Financial by the value of the dividends paid out.
ChoiceOne Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as ChoiceOne Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 8.2 M | |
| Quarterly Earnings Growth Y O Y | 0.141 | |
| Forward Price Earnings | 7.7942 |
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.