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ChoiceOne Financial Services, Inc. COFS

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Price alert · COFS

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36.66 USD -0.11 (-0.30%)

Nov 6, 2026, 11:43 AM EST

36.48 Day range 36.75
26.63 52-week range 38.89
YTD
+24.19%
1 year
+24.65%

Financial health

Altman Z-Score

0.36 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

A-4 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 14.6×
FY 2016: 12.8×FY 2017: 13.3×FY 2018: 12.4×FY 2019: 20.2×FY 2020: 14.8×FY 2021: 9.2×FY 2022: 9.2×FY 2023: 10.4×FY 2024: 10.9×FY 2025: 14.6×
FY 2016 5y median 10.4× FY 2025
P/S 2.1×
FY 2016: 2.8×FY 2017: 2.8×FY 2018: 2.9×FY 2019: 3.5×FY 2020: 2.9×FY 2021: 2.4×FY 2022: 2.4×FY 2023: 1.9×FY 2024: 2.1×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
P/B 0.9×
FY 2016: 1.1×FY 2017: 1.1×FY 2018: 1.1×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.3×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
P/FCF 16.3×
FY 2016: 8.6×FY 2017: 12.7×FY 2018: 15.8×FY 2019: 17.2×FY 2020: 34.9×FY 2021: 5.8×FY 2022: 5.0×FY 2023: 5.2×FY 2024: 6.2×FY 2025: 16.3×
FY 2016 5y median 5.8× FY 2025
EV/EBITDA 11.8×
FY 2016: 7.7×FY 2017: 6.6×FY 2018: 7.7×FY 2019: 10.2×FY 2020: 6.2×FY 2021: 6.6×FY 2022: 6.3×FY 2023: 10.6×FY 2024: 8.9×FY 2025: 11.8×
FY 2016 5y median 8.9× FY 2025
EV/Sales 3.3×
FY 2016: 3.0×FY 2017: 2.5×FY 2018: 2.6×FY 2019: 2.9×FY 2020: 2.1×FY 2021: 3.1×FY 2022: 2.9×FY 2023: 3.5×FY 2024: 2.9×FY 2025: 3.3×
FY 2016 5y median 3.1× FY 2025
FCF Yield 6.1%
FY 2016: 11.7%FY 2017: 7.8%FY 2018: 6.3%FY 2019: 5.8%FY 2020: 2.9%FY 2021: 17.2%FY 2022: 19.8%FY 2023: 19.1%FY 2024: 16.1%FY 2025: 6.1%
FY 2016 5y median 17.2% FY 2025

Profitability

Gross Margin 58.2%
FY 2016: 96.6%FY 2017: 93.2%FY 2018: 92.1%FY 2019: 88.7%FY 2020: 89.0%FY 2021: 94.8%FY 2022: 91.0%FY 2023: 70.8%FY 2024: 66.0%FY 2025: 58.2%
FY 2016 5y median 70.8% FY 2025
Operating Margin 17.7%
FY 2016: 29.3%FY 2017: 29.6%FY 2018: 27.0%FY 2019: 20.3%FY 2020: 24.1%FY 2021: 31.6%FY 2022: 31.0%FY 2023: 22.4%FY 2024: 23.8%FY 2025: 17.7%
FY 2016 5y median 23.8% FY 2025
Net Margin 14.6%
FY 2016: 21.6%FY 2017: 21.3%FY 2018: 23.3%FY 2019: 17.2%FY 2020: 19.9%FY 2021: 26.3%FY 2022: 26.5%FY 2023: 18.7%FY 2024: 19.2%FY 2025: 14.6%
FY 2016 5y median 19.2% FY 2025
ROE 6.1%
FY 2016: 8.5%FY 2017: 8.1%FY 2018: 9.1%FY 2019: 3.7%FY 2020: 6.9%FY 2021: 9.9%FY 2022: 14.0%FY 2023: 10.9%FY 2024: 10.3%FY 2025: 6.1%
FY 2016 5y median 10.3% FY 2025
ROIC 3.5%
FY 2016: 6.4%FY 2017: 5.8%FY 2018: 7.8%FY 2019: 3.1%FY 2020: 6.4%FY 2021: 7.0%FY 2022: 8.8%FY 2023: 4.7%FY 2024: 5.2%FY 2025: 3.5%
FY 2016 5y median 5.2% FY 2025
ROA 0.6%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.1%FY 2019: 0.5%FY 2020: 0.8%FY 2021: 0.9%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 1.0%FY 2025: 0.6%
FY 2016 5y median 0.9% FY 2025

Growth (YoY)

Revenue 38.7%
FY 2016: 4.2%FY 2017: 2.7%FY 2018: 8.6%FY 2019: 32.4%FY 2020: 88.3%FY 2021: 6.9%FY 2022: 6.3%FY 2023: 27.8%FY 2024: 22.1%FY 2025: 38.7%
FY 2016 FY 2025
Operating Income 3.3%
FY 2016: 7.3%FY 2017: 3.7%FY 2018: -0.8%FY 2019: -0.3%FY 2020: 123.1%FY 2021: 40.3%FY 2022: 4.4%FY 2023: -7.6%FY 2024: 29.4%FY 2025: 3.3%
FY 2016 FY 2025
EPS (diluted) -38.2%
FY 2016: 6.3%FY 2017: 1.2%FY 2018: 18.8%FY 2019: -21.8%FY 2020: 31.0%FY 2021: 38.2%FY 2022: 10.1%FY 2023: -10.5%FY 2024: 15.2%FY 2025: -38.2%
FY 2016 FY 2025
Free Cash Flow -46.3%
FY 2016: 209.8%FY 2017: -29.4%FY 2018: -10.7%FY 2019: 46.8%FY 2020: -21.5%FY 2021: 427.3%FY 2022: 23.5%FY 2023: -2.1%FY 2024: 11.1%FY 2025: -46.3%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.1×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.7×
FY 2016: 0.3×FY 2017: 0.4×FY 2018: 0.1×FY 2019: 0.2×FY 2020: 0.1×FY 2021: 0.4×FY 2022: 0.5×FY 2023: 1.2×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 4.2×
FY 2016: 0.5×FY 2017: -0.9×FY 2018: -0.9×FY 2019: -2.3×FY 2020: -2.5×FY 2021: 1.4×FY 2022: 1.0×FY 2023: 4.7×FY 2024: 2.5×FY 2025: 4.2×
FY 2016 5y median 2.5× FY 2025
Interest Coverage 0.5×
FY 2016: 8.5×FY 2017: 5.8×FY 2018: 3.4×FY 2019: 1.8×FY 2020: 4.1×FY 2021: 6.7×FY 2022: 3.6×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 4.1%
FY 2016: 2.9%FY 2017: 2.8%FY 2018: 2.8%FY 2019: 4.0%FY 2020: 2.7%FY 2021: 3.5%FY 2022: 3.5%FY 2023: 3.6%FY 2024: 3.1%FY 2025: 4.1%
FY 2016 5y median 3.5% FY 2025
Payout Ratio 60.2%
FY 2016: 36.6%FY 2017: 37.7%FY 2018: 35.2%FY 2019: 81.1%FY 2020: 39.5%FY 2021: 32.7%FY 2022: 32.1%FY 2023: 37.2%FY 2024: 33.7%FY 2025: 60.2%
FY 2016 5y median 33.7% FY 2025

Annual · latest fiscal year ends 2025-12-31