ChoiceOne Financial Services, Inc. (COFS)

34.30USD +0.76% (+0.26)

Over 1M: +0.6%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

33 33.5 34 34.5
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q2 '23 — Revenue: 2.8M Q2 '23 — Free Cash Flow: 14.8M Q3 '23 — Revenue: 2.9M Q3 '23 — Free Cash Flow: 30.9M Q1 '24 — Revenue: 32.5M Q1 '24 — Free Cash Flow: 15M Q2 '24 — Revenue: 34M Q2 '24 — Free Cash Flow: 15.3M Q3 '24 — Revenue: 36.6M Q3 '24 — Free Cash Flow: -7.6M Q4 '24 — Revenue: 36M Q4 '24 — Free Cash Flow: 22.7M Q1 '25 — Revenue: 44.9M Q1 '25 — Free Cash Flow: -10.2M Q2 '25 — Revenue: 60.4M Q2 '25 — Free Cash Flow: 9.8M Q3 '25 — Revenue: 61.8M Q3 '25 — Free Cash Flow: 13.7M Q4 '25 — Revenue: 60.5M Q4 '25 — Free Cash Flow: 11.9M Q1 '26 — Revenue: 59.1M Q1 '26 — Free Cash Flow: -1.7M Q2 '26 — Revenue: 58.9M Q2 '26 — Free Cash Flow: 27.1M 0 15M 30M 45M 60M 75M
Q3 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Revenue Gross Profit Free Cash Flow

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.4
SBC / sales 0.44%
OE margin 20.8%
Accruals -0.098%
FCF margin 21.2%
OCF margin 24.6%
ROE 11.3%
ROA 1.2%
Asset turnover 0.054×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/OE 8.5×
P/B 1.1×
P/E 9.4×
Div. yield 3.4%
FCF yield 10.0%
P/C 5.8×
EV/Sales 1.8×
EV/EBIT —
EV/GP —
Fwd P/E —
PEG —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

5.7
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

10.0
ND/EBITDA 0.21
Debt / Eq 0.0×
Debt payback 0.0 yr
Payout 31.5%
F-score 6.0 pts
Cash / Debt —
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.0
Sales/sh Y/Y -20.7%
Div. growth +88.1%
EPS Y/Y +127.4%
Sales Q/Q -2.6%
Shares change +70.3%
EBIT CAGR —
EBIT Y/Y —
EPS CAGR 4Y —
EPS next Y —
Sales CAGR 4Y —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.