ChoiceOne Financial Servi... (COFS)
ChoiceOne Financial Services Statistics
Share Statistics
ChoiceOne Financial Services has 14.97M shares outstanding. The number of shares has increased by 98.65% in one year.
| Shares Outstanding | 14.97M |
| Shares Change (YoY) | 98.65% |
| Shares Change (QoQ) | 67.9% |
| Owned by Institutions (%) | 37.9% |
| Shares Floating | 13.43M |
| Failed to Deliver (FTD) Shares | 1 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 74.05K, so 0.49% of the outstanding shares have been sold short.
| Short Interest | 74.05K |
| Short % of Shares Out | 0.49% |
| Short % of Float | 0.53% |
| Short Ratio (days to cover) | 1.17 |
Valuation Ratios
The PE ratio is 10.89 and the forward PE ratio is 7.58. ChoiceOne Financial Services's PEG ratio is 1.14.
| PE Ratio | 10.89 |
| Forward PE | 7.58 |
| PS Ratio | 3.15 |
| Forward PS | 2.4 |
| PB Ratio | 1.12 |
| P/FCF Ratio | 6.2 |
| PEG Ratio | 1.14 |
Enterprise Valuation
ChoiceOne Financial Services has an Enterprise Value (EV) of 405.4M.
| EV / Sales | 4.39 |
| EV / EBITDA | 0 |
| EV / EBIT | 8.33 |
| EV / FCF | 8.64 |
Financial Position
The company has a current ratio of 3.71, with a Debt / Equity ratio of 0.81.
| Current Ratio | 3.71 |
| Quick Ratio | 3.71 |
| Debt / Equity | 0.81 |
| Debt / EBITDA | - |
| Debt / FCF | 4.49 |
| Interest Coverage | 0.73 |
Financial Efficiency
Return on Equity is 10.26% and Return on Invested Capital is 4.15%.
| Return on Equity | 10.26% |
| Return on Assets | 0.98% |
| Return on Invested Capital | 4.15% |
| Revenue Per Employee | $275.11K |
| Profits Per Employee | $79.54K |
| Employee Count | 336 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 6.36M |
| Effective Tax Rate | 19.23% |
Stock Price Statistics
The stock price has increased by 13.16% in the last 52 weeks. The beta is 0.63, so ChoiceOne Financial Services's price volatility has been higher than the market average.
| Beta | 0.63 |
| 52-Week Price Change | 13.16% |
| 50-Day Moving Average | 28.65 |
| 200-Day Moving Average | 31.35 |
| Relative Strength Index (RSI) | 61.18 |
| Average Volume (20 Days) | 53.24K |
Income Statement
In the last 12 months, ChoiceOne Financial Services had revenue of 92.44M and earned 26.73M in profits. Earnings per share was 3.09.
| Revenue | 92.44M |
| Gross Profit | 92.44M |
| Operating Income | 34.13M |
| Net Income | 26.73M |
| EBITDA | 0 |
| EBIT | -12.33M |
| Earnings Per Share (EPS) | 3.09 |
Balance Sheet
The company has 96.4M in cash and 210.75M in debt, giving a net cash position of -114.35M.
| Cash & Cash Equivalents | 96.4M |
| Total Debt | 210.75M |
| Net Cash | -114.35M |
| Retained Earnings | 91.41M |
| Total Assets | 2.72B |
| Working Capital | 575.87M |
Cash Flow
In the last 12 months, operating cash flow was 48.65M and capital expenditures 0, giving a free cash flow of 46.94M.
| Operating Cash Flow | 48.65M |
| Capital Expenditures | 0 |
| Free Cash Flow | 46.94M |
| FCF Per Share | 5.75 |
Margins
Gross margin is 100%, with operating and profit margins of 36.92% and 28.91%.
| Gross Margin | 100% |
| Operating Margin | 36.92% |
| Pretax Margin | 35.8% |
| Profit Margin | 28.91% |
| EBITDA Margin | n/a |
| EBIT Margin | 36.92% |
| FCF Margin | 50.78% |
Dividends & Yields
COFS pays an annual dividend of $1.37, which amounts to a dividend yield of 3.85%.
| Dividend Per Share | $1.37 |
| Dividend Yield | 3.85% |
| Dividend Growth (YoY) | 3.7% |
| Payout Ratio | 42.15% |
| Earnings Yield | 9.18% |
| FCF Yield | 16.13% |
Analyst Forecast
The average price target for COFS is $39, which is 35.4% higher than the current price. The consensus rating is "Buy".
| Price Target | $39 |
| Price Target Difference | 35.4% |
| Analyst Consensus | Buy |
| Analyst Count | 2 |
Stock Splits
The last stock split was on May 9, 2018. It was a forward split with a ratio of 21:20.
| Last Split Date | May 9, 2018 |
| Split Type | forward |
| Split Ratio | 21:20 |
Scores
| Altman Z-Score | 0.43 |
| Piotroski F-Score | 6 |