Choiceone Financial Services Inc (COFS)

$30.21

-0.49

(-1.6%)▲

Market is closed - opens 7 PM, 09 Sep 2024

Performance

  • $29.94
    $30.86
    $30.21
    downward going graph

    0.89%

    Downside

    Day's Volatility :2.98%

    Upside

    2.11%

    downward going graph
  • $15.84
    $32.14
    $30.21
    downward going graph

    47.56%

    Downside

    52 Weeks Volatility :50.71%

    Upside

    6.0%

    downward going graph

Returns

PeriodChoiceone Financial Services IncIndex (Russel 2000)
3 Months
17.18%
0.0%
6 Months
14.43%
0.0%
1 Year
29.38%
0.0%
3 Years
20.36%
-22.3%

Highlights

Market Capitalization
270.6M
Book Value
$28.33
Dividend Share
1.07
Dividend Yield
3.52%
Earnings Per Share (EPS)
2.99
PE Ratio
10.1
PEG Ratio
0.0
Wall Street Target Price
27.0
Profit Margin
27.23%
Operating Margin TTM
39.05%
Return On Assets TTM
0.89%
Return On Equity TTM
11.5%
Revenue TTM
83.1M
Revenue Per Share TTM
11.01
Quarterly Revenue Growth YOY
13.3%
Gross Profit TTM
81.1M
Diluted Eps TTM
2.99
Quarterly Earnings Growth YOY
0.26
EPS Estimate Current Year
3.06
EPS Estimate Next Year
3.97
EPS Estimate Current Quarter
0.76
EPS Estimate Next Quarter
0.81

Analyst Recommendation

Sell
    0
    0%Buy
    50%Hold
    50%Sell
Based on 6 Wall street analysts offering stock ratings for Choiceone Financial Services Inc(by analysts ranked 0 to 5 stars)
Based on 6 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
00
00
00
Hold
3
3
3
Sell
3
3
3

Analyst Forecast

What analysts predicted

Downside of 10.63%

Current $30.21
Target $27.00

Company Financials

FY18Y/Y Change
Revenue
29.0M
↑ 5.53%
Net Income
7.3M
↑ 18.89%
Net Profit Margin
25.3%
↑ 2.84%
FY19Y/Y Change
Revenue
36.9M
↑ 27.29%
Net Income
7.2M
↓ 2.21%
Net Profit Margin
19.44%
↓ 5.86%
FY20Y/Y Change
Revenue
73.8M
↑ 99.95%
Net Income
15.6M
↑ 117.72%
Net Profit Margin
21.17%
↑ 1.73%
FY21Y/Y Change
Revenue
79.8M
↑ 8.22%
Net Income
22.0M
↑ 41.18%
Net Profit Margin
27.61%
↑ 6.44%
FY22Y/Y Change
Revenue
81.4M
↑ 1.94%
Net Income
23.6M
↑ 7.25%
Net Profit Margin
29.05%
↑ 1.44%
FY23Y/Y Change
Revenue
114.1M
↑ 40.24%
Net Income
21.3M
↓ 10.06%
Net Profit Margin
18.63%
↓ 10.42%
Q1 FY23Q/Q Change
Revenue
20.7M
↓ 2.05%
Net Income
5.6M
↓ 15.72%
Net Profit Margin
27.23%
↓ 4.43%
Q2 FY23Q/Q Change
Revenue
19.6M
↓ 5.35%
Net Income
5.2M
↓ 7.46%
Net Profit Margin
26.63%
↓ 0.6%
Q3 FY23Q/Q Change
Revenue
19.9M
↑ 1.81%
Net Income
5.1M
↓ 1.75%
Net Profit Margin
25.7%
↓ 0.93%
Q4 FY23Q/Q Change
Revenue
31.8M
↑ 59.55%
Net Income
5.3M
↑ 3.34%
Net Profit Margin
16.65%
↓ 9.05%
Q1 FY24Q/Q Change
Revenue
32.4M
↑ 2.04%
Net Income
5.6M
↑ 6.44%
Net Profit Margin
17.36%
↑ 0.71%
Q2 FY24Q/Q Change
Revenue
34.1M
↑ 5.09%
Net Income
6.6M
↑ 16.9%
Net Profit Margin
19.31%
↑ 1.95%
FY18Y/Y Change
Total Assets
670.2M
↑ 3.65%
Total Liabilities
589.7M
↑ 2050.92%
FY19Y/Y Change
Total Assets
1.4B
↑ 106.5%
Total Liabilities
33.2M
↓ 94.37%
FY20Y/Y Change
Total Assets
1.9B
↑ 38.72%
Total Liabilities
12.4M
↓ 62.6%
FY21Y/Y Change
Total Assets
2.4B
↑ 23.27%
Total Liabilities
2.1B
↑ 17174.81%
FY22Y/Y Change
Total Assets
2.4B
↑ 0.81%
Total Liabilities
2.2B
↑ 3.36%
FY23Y/Y Change
Total Assets
2.6B
↑ 8.88%
Total Liabilities
2.4B
↑ 8.35%
Q1 FY23Q/Q Change
Total Assets
2.4B
↑ 1.0%
Total Liabilities
120.3M
↓ 94.57%
Q2 FY23Q/Q Change
Total Assets
2.5B
↑ 3.06%
Total Liabilities
195.4M
↑ 62.38%
Q3 FY23Q/Q Change
Total Assets
2.6B
↑ 3.64%
Total Liabilities
215.4M
↑ 10.27%
Q4 FY23Q/Q Change
Total Assets
2.6B
↑ 0.92%
Total Liabilities
2.4B
↑ 1014.99%
Q1 FY24Q/Q Change
Total Assets
2.7B
↑ 2.8%
Total Liabilities
2.5B
↑ 2.57%
Q2 FY24Q/Q Change
Total Assets
2.6B
↓ 1.78%
Total Liabilities
2.4B
↓ 2.25%
FY18Y/Y Change
Operating Cash Flow
10.0M
↑ 23.05%
Investing Cash Flow
-43.9M
↑ 139.62%
Financing Cash Flow
16.8M
↓ 48.04%
FY19Y/Y Change
Operating Cash Flow
9.2M
↓ 7.56%
Investing Cash Flow
36.4M
↓ 182.89%
Financing Cash Flow
-5.7M
↓ 133.94%
FY20Y/Y Change
Operating Cash Flow
8.5M
↓ 7.87%
Investing Cash Flow
-250.8M
↓ 789.79%
Financing Cash Flow
262.2M
↓ 4711.92%
FY21Y/Y Change
Operating Cash Flow
37.7M
↑ 344.67%
Investing Cash Flow
-521.4M
↑ 107.92%
Financing Cash Flow
436.0M
↑ 66.28%
FY22Y/Y Change
Operating Cash Flow
45.0M
↑ 19.41%
Investing Cash Flow
-90.5M
↓ 82.64%
Financing Cash Flow
57.5M
↓ 86.8%
Q1 FY23Q/Q Change
Operating Cash Flow
9.2M
↓ 29.43%
Investing Cash Flow
-18.9M
↓ 36.95%
Financing Cash Flow
21.0M
↑ 121.84%

Technicals Summary

Sell

Neutral

Buy

Choiceone Financial Services Inc is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

More on Technical Analysis

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
Choiceone Financial Services Inc
Choiceone Financial Services Inc
13.74%
14.43%
29.38%
20.36%
-5.59%
Nu Holdings Ltd.
Nu Holdings Ltd.
23.09%
19.03%
100.59%
32.62%
32.62%
Icici Bank Ltd.
Icici Bank Ltd.
2.81%
8.76%
22.89%
45.71%
160.82%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
5.97%
17.46%
52.63%
-8.07%
29.65%
U.s. Bancorp
U.s. Bancorp
7.49%
2.65%
24.87%
-20.31%
-18.98%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
9.8%
-3.5%
24.72%
38.92%
-24.72%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
Choiceone Financial Services Inc
Choiceone Financial Services Inc
10.1
10.1
0.0
3.06
0.12
0.01
0.04
28.33
Nu Holdings Ltd.
Nu Holdings Ltd.
44.19
44.19
NA
0.42
0.24
0.04
NA
1.45
Icici Bank Ltd.
Icici Bank Ltd.
18.91
18.91
0.0
1.36
0.18
0.02
0.01
387.52
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
15.18
15.18
3.88
13.12
0.1
0.01
0.04
116.71
U.s. Bancorp
U.s. Bancorp
14.44
14.44
1.12
3.89
0.1
0.01
0.04
31.79
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
9.87
9.87
1.19
0.79
0.19
0.01
0.03
19.79
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
Choiceone Financial Services Inc
Choiceone Financial Services Inc
Sell
$270.6M
-5.59%
10.1
27.23%
Nu Holdings Ltd.
Nu Holdings Ltd.
Buy
$65.6B
32.62%
44.19
31.18%
Icici Bank Ltd.
Icici Bank Ltd.
Buy
$101.3B
160.82%
18.91
26.87%
Pnc Financial Services Group, Inc.
Pnc Financial Services Group, Inc.
Buy
$71.9B
29.65%
15.18
25.53%
U.s. Bancorp
U.s. Bancorp
Hold
$71.1B
-18.98%
14.44
21.08%
Itaú Unibanco Holding S.a.
Itaú Unibanco Holding S.a.
Buy
$60.8B
-24.72%
9.87
27.97%

Insights on Choiceone Financial Services Inc

  • Increasing Revenue

    Revenue is up for the last 5 quarters, 19.57M → 34.09M (in $), with an average increase of 11.5% per quarter

  • Increasing Net Profit

    Netprofit is up for the last 4 quarters, 5.12M → 6.58M (in $), with an average increase of 7.9% per quarter

  • Vs NU

    In the last 1 year, Nu Holdings Ltd. has given 100.6% return, outperforming this stock by 71.2%

Institutional Holdings

  • BlackRock Inc

    4.46%

  • Vanguard Group Inc

    3.91%

  • Geode Capital Management, LLC

    1.66%

  • State Street Corporation

    1.01%

  • HPM Partners LLC

    0.82%

  • Northern Trust Corp

    0.62%

Company Information

locally owned for over 110 years,choiceone bank is a full service financial institution with offices in kent, ottawa, muskegon and newaygo counties. choiceone bank offers insurance and investment products through its subsidiary, choiceone insurance agencies, inc. choiceone financial services, inc. is the holding company headquartered in sparta, michigan and the parent corporation of choiceone bank. for more information, please visit choiceone’s website at www.choiceone.com.

Organization
Choiceone Financial Services Inc
Employees
368
CEO
Mr. Kelly J. Potes CFP
Industry
Regional Banks

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