NASDAQ · COFS
CHOICEONE FINANCIAL
$33.92 +$1.20 (+3.67%) 1D After hoursKey Metrics
$489.18M
Market cap
8.77×
P/E · TTM
$241.83M
Revenue · TTM
$55.79M
Net income
EPS · TTM
$5.19
Dividend yield
3.5%
Free cash flow
$30.79M
Beta · 1Y
0.65
EBITDA · TTM
$72.31M
Gross margin
—
Snapshot
Market cap$489.18M
Enterprise value—
Shares outstanding15.0M
52-wk range$26.10 – $35.40
Avg volume · 20D35.0K
Net cash
—
Book value / share$43.76
IndustryState Commercial Banks
ExchangeNASDAQ
About CHOICEONE FINANCIAL
IPO dateDec 31, 2001
Employees598
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services.
Wolf Grade COMING SOON
—
The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.
Valuation
P/E8.77
P/S2.02
P/FCF15.89
EV/EBITDA—
EV/Sales—
Graham №$71.51
Profitability
Gross
—
Operating
28.3%
Net
23.1%
FCF
12.7%
ROE / ROIC
15.3% · 14.5%
Financial Health
Current ratio—
Quick ratio—
Debt / equity—
Debt / EBITDA
—
Net cash
—
Working capital—
Cash Flow · TTM
Operating CF
$38.11M
Capex
−$7.32M
Free cash flow
$30.79M
Buybacks
$2.06M
Dividends paid
$17.09M
Shareholder yield
3.9%
Piotroski F-Score
4 / 9
Middling fundamentals · 4 of 9 signals passing
Altman Z-Score
0.2
Distress zone (< 1.81) · elevated risk
Graham Number vs Price
$71.51 vs $33.92
Trades below classic defensive value — Graham-cheap
Fundamentals through 2026-03-31 · computed by TickerWolf from SEC filings