ChoiceOne Financial Statements From 2010 to 2024

Stocks . USA . 
Stock . ChoiceOne Financial Services
COFS Stock  USD 37.25  0.23  0.61%   
ChoiceOne Financial financial statements provide useful quarterly and yearly information to potential ChoiceOne Financial Services investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on ChoiceOne Financial financial statements helps investors assess ChoiceOne Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting ChoiceOne Financial's valuation are summarized below:
Gross Profit
81.1 M
Profit Margin
0.2829
Market Capitalization
333.7 M
Enterprise Value Revenue
6.5552
Revenue
87.9 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 2024 and make sure the trends continue to evolve in the right direction. Market Cap is likely to gain to about 208.6 M in 2024. Enterprise Value is likely to gain to about 378.7 M in 2024

ChoiceOne Financial Total Revenue

84.67 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 13.1 M, Interest Expense of 34.7 M or Selling General Administrative of 34.8 M, as well as many indicators such as Price To Sales Ratio of 2.6, Dividend Yield of 0.0281 or PTB Ratio of 1.35. ChoiceOne financial statements analysis is a perfect complement when working with ChoiceOne Financial Valuation or Volatility modules.
  
Check out the analysis of ChoiceOne Financial Correlation against competitors.

ChoiceOne Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.7 B2.6 B1.2 B
Slightly volatile
Short and Long Term Debt Total247.3 M235.5 M63.7 M
Slightly volatile
Total Current Liabilities1.9 B1.8 B461.2 M
Slightly volatile
Total Stockholder Equity205.4 M195.6 M117.8 M
Slightly volatile
Property Plant And Equipment Net31.2 M29.8 M18.5 M
Slightly volatile
Retained Earnings77.4 M73.7 M33.1 M
Slightly volatile
Cash58.2 M55.4 M32.4 M
Slightly volatile
Non Current Assets Total2.6 B2.5 B667.5 M
Slightly volatile
Cash And Short Term Investments598.2 M569.7 M344.7 M
Slightly volatile
Common Stock Total Equity208 M198.1 M98.7 M
Slightly volatile
Common Stock Shares Outstanding3.9 M7.6 M4.7 M
Slightly volatile
Liabilities And Stockholders Equity2.7 B2.6 B1.2 B
Slightly volatile
Total Liabilities2.5 B2.4 B698.9 M
Slightly volatile
Property Plant And Equipment Gross53.2 M50.7 M23.6 M
Slightly volatile
Total Current Assets52.7 M55.4 M293.1 M
Slightly volatile
Common Stock182.2 M173.5 M95.3 M
Slightly volatile
Non Current Liabilities Total2.5 B2.4 B388.5 M
Slightly volatile
Other Current Assets52.8 M55.6 M447.3 M
Slightly volatile
Good Will72.4 M68.9 M32.4 M
Slightly volatile
Other Liabilities4.8 M8.9 M4.8 M
Slightly volatile
Accounts Payable2.6 B2.4 B1.1 B
Slightly volatile
Long Term Debt215.8 M205.5 M47.1 M
Slightly volatile
Short Term Investments305.2 M514.6 M305.7 M
Slightly volatile
Inventory165.9 K174.6 K1.2 M
Slightly volatile
Intangible Assets2.7 M1.9 M3.3 M
Pretty Stable
Property Plant Equipment18.5 M32.5 M18.5 M
Slightly volatile
Net Tangible Assets98.8 M122 M84.1 M
Slightly volatile
Long Term Investments506 M930.1 M421.7 M
Slightly volatile
Short and Long Term Debt22.2 M30 M24 M
Pretty Stable
Earning Assets227.7 M405.1 M237.7 M
Slightly volatile
Net Invested Capital452.7 M431.1 M154.7 M
Slightly volatile
Capital Stock167.5 M173.5 M101.2 M
Slightly volatile

ChoiceOne Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization13.1 M12.4 M4 M
Slightly volatile
Interest Expense34.7 M33.1 M7.1 M
Slightly volatile
Selling General Administrative34.8 M33.1 M16.3 M
Slightly volatile
Total Revenue84.7 M80.6 M43 M
Slightly volatile
Gross Profit84.7 M80.6 M43 M
Slightly volatile
Operating Income26.8 M25.6 M13.6 M
Slightly volatile
EBIT26.8 M25.6 M14.5 M
Slightly volatile
EBITDA39.9 M38 M18.5 M
Slightly volatile
Income Before Tax26.8 M25.6 M12.9 M
Slightly volatile
Net Income22.3 M21.3 M10.5 M
Slightly volatile
Income Tax Expense4.5 M4.3 M2.4 M
Slightly volatile
Selling And Marketing Expenses757 K721 K423 K
Slightly volatile
Net Income Applicable To Common Shares28.5 M27.2 M11.3 M
Slightly volatile
Net Income From Continuing Ops12.5 M21.3 M10.1 M
Slightly volatile
Tax Provision3.1 M4.3 M2.5 M
Slightly volatile
Net Interest Income43.1 M65.9 M32.5 M
Slightly volatile
Interest Income50.5 M99 M37.4 M
Slightly volatile
Reconciled Depreciation13.1 M12.4 M3.6 M
Slightly volatile

ChoiceOne Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Stock Based Compensation1.1 M1 M410.5 K
Slightly volatile
Free Cash Flow44.4 M42.2 M16.3 M
Slightly volatile
Begin Period Cash Flow46.1 M43.9 M29.5 M
Slightly volatile
Other Cashflows From Financing Activities3.8 M4.1 M186 M
Slightly volatile
Depreciation13.1 M12.4 M5.4 M
Slightly volatile
Capital Expenditures4.4 M4.2 M1.8 M
Slightly volatile
Total Cash From Operating Activities48.8 M46.5 M18.1 M
Slightly volatile
Net Income22.3 M21.3 M10.5 M
Slightly volatile
End Period Cash Flow58.2 M55.4 M32.5 M
Slightly volatile
Issuance Of Capital Stock164.1 K231 K111.7 K
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.62.7375.9838
Slightly volatile
Dividend Yield0.02810.03580.0305
Slightly volatile
PTB Ratio1.351.12821.1522
Pretty Stable
Days Sales Outstanding339174184
Very volatile
Book Value Per Share24.6725.9703108
Very volatile
Free Cash Flow Yield0.20.19140.13
Very volatile
Operating Cash Flow Per Share6.486.17053.1702
Slightly volatile
Stock Based Compensation To Revenue0.01310.01250.0075
Slightly volatile
Capex To Depreciation0.320.34060.4436
Very volatile
PB Ratio1.351.12821.1522
Pretty Stable
EV To Sales4.724.97016.249
Slightly volatile
Free Cash Flow Per Share5.895.60842.8149
Slightly volatile
ROIC0.04150.04930.0689
Very volatile
Net Income Per Share2.962.82241.863
Slightly volatile
Sales General And Administrative To Revenue0.70.4110.5093
Slightly volatile
Capex To Revenue0.04990.05250.0455
Very volatile
Cash Per Share79.4575.671259.6526
Slightly volatile
POCF Ratio4.514.74849.8722
Very volatile
Interest Coverage0.730.77254.0474
Very volatile
Payout Ratio0.570.3720.4115
Pretty Stable
Capex To Operating Cash Flow0.08650.09110.1311
Very volatile
PFCF Ratio4.965.224311.9213
Very volatile
Income Quality2.132.18631.7322
Pretty Stable
ROE0.09220.10870.0855
Slightly volatile
EV To Operating Cash Flow13.858.622510.6743
Very volatile
PE Ratio16.4210.381313.9392
Slightly volatile
Return On Tangible Assets0.00970.00850.0095
Pretty Stable
EV To Free Cash Flow9.019.486612.2785
Very volatile
Earnings Yield0.05860.09630.0782
Pretty Stable
Intangibles To Total Assets0.02040.0240.0256
Pretty Stable
Current Ratio10.110.64428
Slightly volatile
Tangible Book Value Per Share16.8817.7664102
Very volatile
Receivables Turnover1.152.182.2139
Very volatile
Graham Number42.6440.610430.0221
Slightly volatile
Shareholders Equity Per Share13.0425.970321.1157
Slightly volatile
Debt To Equity0.991.20380.3296
Slightly volatile
Capex Per Share0.590.56210.3553
Slightly volatile
Revenue Per Share11.2410.7057.8964
Slightly volatile
Interest Debt Per Share37.4435.65679.1909
Slightly volatile
Debt To Assets0.09520.09140.032
Slightly volatile
Short Term Coverage Ratios0.851.54940.9175
Pretty Stable
Price Earnings Ratio16.4210.381313.9392
Slightly volatile
Price Book Value Ratio1.351.12821.1522
Pretty Stable
Dividend Payout Ratio0.570.3720.4115
Pretty Stable
Price To Operating Cash Flows Ratio4.514.74849.8722
Very volatile
Price To Free Cash Flows Ratio4.965.224311.9213
Very volatile
Pretax Profit Margin0.570.3170.4319
Slightly volatile
Ebt Per Ebit0.620.70.7615
Slightly volatile
Operating Profit Margin0.570.3170.4439
Slightly volatile
Effective Tax Rate0.230.16840.2126
Slightly volatile
Company Equity Multiplier10.613.17119.3033
Slightly volatile
Long Term Debt To Capitalization0.330.51230.1585
Slightly volatile
Total Debt To Capitalization0.410.54620.2011
Slightly volatile
Return On Capital Employed0.01180.00990.0182
Very volatile
Debt Equity Ratio0.991.20380.3296
Slightly volatile
Ebit Per Revenue0.570.3170.4439
Slightly volatile
Quick Ratio10.110.64428
Slightly volatile
Dividend Paid And Capex Coverage Ratio2.23.82763.0701
Slightly volatile
Net Income Per E B T0.630.83160.7781
Pretty Stable
Cash Ratio0.750.7946.8535
Slightly volatile
Operating Cash Flow Sales Ratio0.720.57640.5851
Slightly volatile
Days Of Sales Outstanding339174184
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.660.90890.852
Slightly volatile
Cash Flow Coverage Ratios0.190.19745.9648
Very volatile
Price To Book Ratio1.351.12821.1522
Pretty Stable
Fixed Asset Turnover2.852.71062.1137
Slightly volatile
Capital Expenditure Coverage Ratio11.3310.978315.4423
Slightly volatile
Price Cash Flow Ratio4.514.74849.8722
Very volatile
Debt Ratio0.09520.09140.032
Slightly volatile
Cash Flow To Debt Ratio0.190.19745.9648
Very volatile
Price Sales Ratio2.62.7375.9838
Slightly volatile
Return On Assets0.00950.00830.0092
Pretty Stable
Asset Turnover0.02760.03130.0376
Pretty Stable
Net Profit Margin0.430.26370.338
Slightly volatile
Price Fair Value1.351.12821.1522
Pretty Stable
Return On Equity0.09220.10870.0855
Slightly volatile

ChoiceOne Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap208.6 M198.6 M123.2 M
Slightly volatile
Enterprise Value378.7 M360.7 M156.9 M
Slightly volatile

ChoiceOne Fundamental Market Drivers

Forward Price Earnings9.5877
Cash And Short Term Investments569.7 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 Revenue80.6 M84.7 M
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.41  0.70 
Capex To Revenue 0.05  0.05 
Revenue Per Share 10.71  11.24 
Ebit Per Revenue 0.32  0.57 

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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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