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CHOICEONE FINANCIAL SERVICES INC COFS

Nasdaq · stock · State Commercial Banks · website · IPO 2001-06-21

CHOICEONE FINANCIAL SERVICES INC statistics & valuation

Market cap$492.4M
P / E17.5×
P / S2.2×
P / B1.1×
P / FCF19.5×
Dividend yield3.44%
Net margin12.4%
Return on equity6.1%
FCF margin11.1%
Graham number +8.9%$37.46

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($37.46); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
26.50% 18.70% 19.20% 12.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
8.50% 8.10% 9.10% 3.70% 6.90% 9.90% 14.70% 10.90% 10.30% 6.10% 2016201720182019202020212022202320242025
Shares outstanding
3.6M 3.6M 3.6M 7.2M 7.8M 7.7M 7.5M 7.6M 9.0M 15.0M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.00% 1.00% 1.10% 0.50% 0.80% 0.90% 1.00% 0.80% 1.00% 0.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
48.40% 37.00% 32.60% 11.10% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.68 $1.70 $2.02 $1.58 $2.07 $2.86 $3.15 $2.82 $3.25 $2.01 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CHOICEONE FINANCIAL SERVICES INC trades at about 17.1× earnings — above its 10-year norm (10-year range 9.1×–19.4×, median 12.4×).

9.1× 19.4×

Shaded band = 10-year range (9.1×–19.4×); dot = today's 17.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin12.4%19.2%18.7%26.5%——————
FCF margin11.1%32.6%37.0%48.4%——————
Return on assets0.6%1.0%0.8%1.0%0.9%0.8%0.5%1.1%1.0%1.0%
Return on equity6.1%10.3%10.9%14.7%9.9%6.9%3.7%9.1%8.1%8.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.