ChoiceOne Financial Services Inc.

Dividend Per Share TTM ($)	1.06
Forward Annual Dividend Yield	4.47%
Ex Dividend Date (MM/DD/YYYY)	3/14/2024
Dividend Pay Date (MM/DD/YYYY)	3/29/2024
Dividend Yield (TTM)	4.39%
Forward Annual Dividend Rate ($)	1.08
Dividend Payout Ratio	25.92
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)
EPS Estimate Next Year ($)
EPS Estimate Next Quarter ($)
EPS Estimate Current Quarter ($)	0.00
Current Target Price ($)
Next 5 Year Growth Rate (%)
1 week Ago Target Price ($)	0.00
2 week Ago Target Price ($)	0.00
3 week Ago Target Price ($)	0.00

Financial Health

Cash Flow Per Share TTM ($)	6.15
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	0.18
Long term debt per share (Last Quarter)	4.7
F Score	7.0

Technicals

RSI (14 Day)	46.42
14 Day SMA ($)	24.04
14 Day EMA ($)	24.04
Money Flow Index	60.23
Average True Range	1.13
50 Day SMA ($)	25.69
200 Day SMA ($)	24.50
ADX	23.13
MACD	0.84

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	0.86
Profit Margin TTM (%)	-2.4
Return on Equity TTM (%)	11.67
Return on Capital TTM (%)	-0.73
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Dividend	Market Cap (B)	PE	Price ($)
CPF	0.0359	1 B	10.2	28.96
FOTB	0.0183	0 B	470.6	82.01
IBCP	0.0361	1 B	8.5	24.35
INDB	0.0226	4 B	23.1	84.95
MBWM	0.0323	1 B	10.5	38.4
MCBC	0.0347	0 B	9.7	9.22
PWOD	0.0527	0 B	10.8	24.29

Pull option chain for the stock and check the payoff of your option strategies here

Financials

Income Statement

Balance Sheet

Cash Flow

COFS Income Statement

Annual

	Dec-13	Dec-14	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22	Dec-23
AcquiredInProcessRnD										-147000.0
Amortization of intangibles	-2 M	-1 M	-2 M	-1 M	-893000.0	2 M	5 M	10 M	11 M	10 M
Basic EPS from continuing operations	1.48	1.65	1.76	1.7	2.03	1.58	2.08	2.87	3.15	2.82
Basic EPS total	1.48	1.65	1.76	1.7	2.03	1.58	2.08	2.87	3.15	2.82
Basic weighted shares outstanding	3 M	3 M	3 M	4 M	4 M	5 M	8 M	8 M	8 M	8 M
CreditLossesProvision	300000.0	100000.0		485000.0	35000.0		4 M	416000.0	250000.0	2 M
Depreciation	-927000.0	-986000.0	-1 M	-1 M	-1 M	2 M	3 M	3 M	3 M	3 M
Depreciation unreconciled	448000.0	448000.0	379000.0			353000.0	1 M	1 M	1 M	955000.0
DepreciationAndAmortization	448000.0	448000.0	379000.0	-1 M	-1 M	353000.0	1 M	1 M	1 M	955000.0
Diluted EPS total	1.47	1.64	1.76	1.7	2.02	1.58	2.07	2.86	3.15	2.82
Diluted normalized net income/share	1.47	1.64	1.76	1.7	2.02	1.58	2.07	2.86	3.15	2.82
Diluted weighted shares outstanding	3 M	3 M	3 M	4 M	4 M	5 M	8 M	8 M	8 M	8 M
Dividends paid per share	0.51	0.56	0.65	0.64	0.71	1.4	0.82	0.94	1.01	1.05
FeesAndCommissions	5 M	5 M	5 M	546000.0	369000.0	332000.0	2 M	725000.0	-985000.0	381000.0
GainOnSaleOfBusiness	-822000.0			908000.0
GeneralAndAdministrativeExpense	2 M	2 M	2 M	2 M	3 M	452000.0	1 M	1 M	1 M	2 M
Income before tax	7 M	8 M	8 M	9 M	8 M	8 M	19 M	26 M	28 M	26 M
Income taxes	2 M	2 M	2 M	3 M	1 M	1 M	3 M	4 M	4 M	4 M
InsuranceAndClaims	2 M	2 M	2 M	2 M	2 M	45000.0	450000.0	804000.0	722000.0	1 M
InsuranceAndPremiums					83000.0
Interest expense	-1 M	-1 M	-969000.0	-1 M	-2 M	5 M	5 M	4 M	8 M	33 M
InterestExpenseForCapitalizedLeaseObligations						72000.0	83000.0	153000.0	211000.0	327000.0
InterestExpenseForDeposit	1 M	1 M	790000.0	1 M	2 M	4 M	4 M	3 M	6 M	24 M
InterestExpenseForLongTermDebt	45000.0	63000.0	171000.0	276000.0	235000.0	455000.0	220000.0	22000.0	117000.0	2 M
InterestExpenseForLongTermDebtAndCapitalSecurities	45000.0	63000.0	171000.0	276000.0	235000.0	455000.0	220000.0	22000.0	117000.0	2 M
InterestExpenseForShortTermDebt	46000.0	46000.0	8000.0	13000.0	51000.0	57000.0		16000.0
InterestIncome	19 M	19 M	20 M	22 M	25 M	32 M	56 M	65 M	75 M	99 M
InterestIncomeAfterProvisionForLoanLoss	17 M	18 M	19 M	20 M	22 M	28 M	47 M	60 M	67 M	64 M
InterestIncomeFromDeposits							-13000.0
InterestIncomeFromInvestmentSecurities	3 M	3 M	4 M	4 M	4 M	5 M	9 M	16 M	22 M	27 M
InterestIncomeFromLoans	16 M	16 M	17 M	18 M	20 M	27 M	47 M	49 M	53 M	68 M
InterestIncomeFromLoansAndLease	16 M	16 M	17 M	18 M	20 M	27 M	47 M	49 M	53 M	68 M
InterestIncomeFromSecurities	3 M	3 M	4 M	4 M	4 M	5 M	9 M	16 M	22 M	27 M
InvestmentBankingProfit	-822000.0
LifeAnnuityPremiums					83000.0
MarketingExpense	239000.0	275000.0	222000.0	298000.0	308000.0	528000.0	588000.0	848000.0	764000.0	721000.0
Net income from total operations	5 M	6 M	6 M	6 M	7 M	7 M	16 M	22 M	24 M	21 M
NetIncomeCommonStockholders	5 M	6 M	6 M	6 M	7 M	7 M	16 M	22 M	24 M	21 M
NetIncomeContinuousOperations	5 M	6 M	6 M	6 M	7 M	7 M	16 M	22 M	24 M	21 M
NetInterestIncome	17 M	18 M	19 M	20 M	22 M	28 M	51 M	61 M	67 M	66 M
NetOccupancyExpense	2 M	2 M	3 M	3 M	3 M	4 M	6 M	6 M	6 M	6 M
NonInterestExpense	-17 M	-17 M	-19 M	-19 M	-20 M	28 M	51 M	53 M	53 M	55 M
NonInterestIncome	6 M	7 M	8 M	8 M	7 M	9 M	23 M	19 M	14 M	15 M
Normalized income										2 M
OccupancyAndEquipment	2 M	2 M	3 M	3 M	3 M	4 M	6 M	6 M	6 M	6 M
Other special charges	-734000.0	-410000.0	-440000.0	-550000.0	-426000.0	-4 M	-7 M	-7 M	-7 M	-16 M
OtherCustomerServices	826000.0	906000.0	1 M	826000.0	335000.0	310000.0	541000.0	765000.0	779000.0	698000.0
OtherGandA	2 M	2 M	2 M	2 M	3 M	452000.0	1 M	1 M	1 M	2 M
OtherInterestExpense						57000.0	246000.0	650000.0	2 M	7 M
OtherInterestIncome	12000.0	9000.0	21000.0	102000.0	131000.0	268000.0	266000.0	84000.0	491000.0	4 M
OtherNonInterestExpense	2 M	2 M	2 M	2 M	2 M	6 M	11 M	11 M	11 M	11 M
OtherNonInterestIncome	861000.0	746000.0	797000.0	5 M	5 M	8 M	13 M	14 M	14 M	13 M
ProfessionalExpenseAndContractServicesExpense	887000.0	889000.0	935000.0	1 M	1 M	3 M	4 M	3 M	2 M	2 M
PropertyCasualtyPremiums			-41000.0						99000.0
Revenue per share	448000.0	448000.0	379000.0	-1 M	-1 M	353000.0	1 M	1 M	1 M	955000.0
SalariesAndWages	8 M	8 M	10 M	10 M	11 M	14 M	27 M	29 M	30 M	32 M
SecuritiesActivities	41 M	42 M	70 M	-280000.0	34000.0	22000.0	1 M	-40000.0	-2 M	-317000.0
Selling Gen & administrative expense	11 M	11 M	13 M	13 M	14 M	15 M	28 M	32 M	33 M	35 M
SellingAndMarketingExpense	239000.0	275000.0	222000.0	298000.0	308000.0	528000.0	588000.0	848000.0	764000.0	721000.0
ServiceChargeOnDepositorAccounts	4 M	4 M	4 M	4 M
Special income/charges	-2 M	-2 M	-2 M	-2 M	-2 M	-6 M	-11 M	-11 M	-11 M	-11 M
Total common shares outstanding	4 M	4 M	4 M	4 M	4 M	7 M	8 M	8 M	8 M	8 M
Total net income	5 M	6 M	6 M	6 M	7 M	7 M	16 M	22 M	24 M	21 M
Total ordinary shares	8 M	8 M	8 M	8 M	8 M	8 M	8 M	8 M	8 M	8 M
Total revenues	24 M	25 M	27 M	28 M	29 M	37 M	74 M	80 M	81 M	81 M
TotalPremiumsEarned		-135000.0	-41000.0		83000.0				99000.0
TotalRevenue	24 M	25 M	27 M	28 M	29 M	37 M	74 M	80 M	81 M	81 M
TradingGainLoss					-459000.0	-55000.0		-6000.0
TrustFeesbyCommissions								6000.0

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ChoiceOne Financial Services Inc.

Sector: Financial Services

Industry: Banks - Regional - US

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

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