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Choiceone Financial Services Inc   (NASDAQ: COFS)
Other Ticker:  
 
    Sector  Financial    Industry Regional Banks
   Industry Regional Banks
   Sector  Financial

Choiceone Financial Services Inc

COFS's Fundamental analysis








Looking into Choiceone Financial Services Inc growth rates, revenue grew by 23.88 % in III. Quarter 2024 from the same quarter a year ago. Ranking at No. 1834

Regional Banks industry recorded deterioration of revenues by -1 %

Choiceone Financial Services Inc 's net income grew by 43.46 % in III. Quarter 2024 year on year, above company average,

More on COFS's Growth


Choiceone Financial Services Inc
current PE on trailing twelve month basis is above Regional Banks industry average.

Choiceone Financial Services Inc PEG ratio is at 2.07 Company is currently trading with Price to Cash flow multiple of 223.87 in trailing twelve-month period.
Company
10.37
PE TTM   
Industry
7.87
PE TTM    
Company's Price to Sales ratio is at 3.22.
Regional Banks industry's Price to Sales ratio is at 3.18.


More on COFS's Valuation
 
 Total Debt (Millions $) 36
 Dividend TTM ($) 1.08 $
 Dividend Yield TTM (%) 3.3 %
 Revenue/Employee (TTM) $ 258,518
 Net Income/Employee (TTM) $ 73,121
 Receivable Turnover (TTM) -
 Tangible Book Value (Per Share $) 21.58

Choiceone Financial Services Inc
current PE on trailing twelve month basis is above Regional Banks industry average.

Choiceone Financial Services Inc PEG ratio is at 2.07 Company is currently trading with Price to Cash flow multiple of 223.87 in trailing twelve-month period.
Company
10.37
PE TTM   
Industry
7.87
PE TTM    
Company's Price to Sales ratio is at 3.22.
Regional Banks industry's Price to Sales ratio is at 3.18.

Choiceone Financial Services Inc Price to Book Ratio is at 1.14 lower than Industry Avg. of 60. and higher than S&P 500 Avg. of 0.02

More on COFS's Valuation

  Market Capitalization (Millions $) 283
  Shares Outstanding (Millions) 9
  Employees 340
  Revenues (TTM) (Millions $) 88
  Net Income (TTM) (Millions $) 25
  Cash Flow (TTM) (Millions $) 1
  Capital Exp. (TTM) (Millions $) -2
  Total Debt (Millions $) 36
  Dividend TTM ($) 1.08 $
  Dividend Yield TTM (%) 3.3 %
  Revenue/Employee (TTM) $ 258,518
  Net Income/Employee(TTM) $ 73,121
  Receivable Turnover Ratio (TTM) -
  Tangible Book Value (Per Share $) 21.58

  Market Capitalization (Millions $) 283
  Shares Outstanding (Millions) 9
  Employees 340
  Revenues (TTM) (Millions $) 88
  Net Income (TTM) (Millions $) 25
  Cash Flow (TTM) (Millions $) 1
  Capital Exp. (TTM) (Millions $) -2


    COFS's Profitability Comparisons
Choiceone Financial Services Inc faced margin deterioration, primarily through cost pressure. Operating Margin fell in III. Quarter 2024 to 37.56 % from 160.01 % in II. Quarter.

Choiceone Financial Services Inc net profit margin of 29.76 % is currently ranking no. 66 in Regional Banks industry, ranking no. 199 in Financial sector and number 381 in S&P 500.


Profitability by Segment
Total 29.76 %



  Ratio
   Capital Ratio (MRQ) 1.56
  Total Debt to Equity (MRQ) 0.14
  Tangible Leverage Ratio (MRQ) 25.12
  Asset Turnover Ratio (TTM) 0.03
  Inventory Turnover Ratio (TTM) -



Choiceone Financial Services Inc faced margin deterioration, primarily through cost pressure. Operating Margin fell in III. Quarter 2024 to 37.56 % from 160.01 % in II. Quarter.

Choiceone Financial Services Inc net profit margin of 29.76 % is currently ranking no. 66 in Regional Banks industry, ranking no. 199 in Financial sector and number 381 in S&P 500.

More on COFS's Key Ratios





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