COFS Stock Forecast, Price Targets, Chart, Dividends & Analysis
ChoiceOne Financial Services Inc.
COFS 
NSC
Sector: Financial Services
Industry: Banks - Regional - US
35.89
USD
1.62
(4.73%)
Previous close: 34.27 Open: 33.97 Bid: 33.65 Ask: 55.47
52 week range
21.52 38.15
Mkt Cap: 325 M Avg Vol (90 Days): 81,691
Last updated: Sunday 22nd December 2024
Metrics
Valuation
Price per Sales TTM ($) | 3.71 |
Price per Book TTM ($) | 1.32 |
PE Ratio (TTM) | 11.62 |
Book Value per Share ($) | 27.66 |
5 Year PE Range | NA , NA |
Returns
7 Day Return | -1.91% | |
1 Month Return | -1.67% | |
3 Month Return | 13.90% | |
1 Year Return | 19.29% | |
3 Year Return | 56.96% | |
5 Year Return | 36.25% | |
YTD Return | 22.49% |
Risk
Dividends
Analyst Estimates
Financial Health
Technicals
RSI (14 Day) | 49.47 |
14 Day SMA ($) | 36.62 |
14 Day EMA ($) | 36.17 |
Money Flow Index | 60.24 |
Average True Range | 1.04 |
50 Day SMA ($) | 34.85 |
200 Day SMA ($) | 29.08 |
ADX | 25.61 |
MACD | 1.06 |
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% |
Financials
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 | 1.41 | 1.57 | 1.68 | 1.7 | 2.03 | 1.58 | 2.08 | 2.87 | 3.15 | 2.82 |
| Basic EPS total | 1.41 | 1.57 | 1.68 | 1.7 | 2.03 | 1.58 | 2.08 | 2.87 | 3.15 | 2.82 |
| Basic weighted shares outstanding | 4 M | 4 M | 4 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 | 1.4 | 1.56 | 1.68 | 1.7 | 2.02 | 1.58 | 2.07 | 2.86 | 3.15 | 2.82 |
| Diluted normalized net income/share | 1.4 | 1.56 | 1.68 | 1.7 | 2.02 | 1.58 | 2.07 | 2.86 | 3.15 | 2.82 |
| Diluted weighted shares outstanding | 4 M | 4 M | 4 M | 4 M | 4 M | 5 M | 8 M | 8 M | 8 M | 8 M |
| Dividends paid per share | 0.51 | 0.54 | 0.62 | 0.65 | 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 | 9 M | 9 M | 9 M | 9 M | 9 M | 9 M | 9 M | 9 M | 9 M | 9 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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