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About the company
ChoiceOne Financial Services, Inc. is a financial holding company of ChoiceOne Bank (the Bank). The Company's subsidiary, ChoiceOne Bank is a full-service banking institution that offers a range of deposit, payment, credit, and other financial services to all types of customers. Its services include time, savings, demand deposits, safe deposit services and automated transaction machine services. The Bank offers both commercial and consumer loans to corporations, partnerships, and individuals. Its commercial lending covers categories, such as business, industry, agricultural, construction, inventory, and real estate. The Bank's consumer loan department makes direct and indirect loans to consumers and purchasers of residential and real property. In addition, the Bank offers trust and wealth management services. The Bank's primary market area lies within Kent, Muskegon, Newaygo and Ottawa counties in western Michigan and Lapeer, Macomb, and St. Clair counties in southeastern Michigan.
- Revenue in USD (TTM)118.03m
- Net income in USD24.86m
- Incorporated1986
- Employees371.00
- LocationChoiceOne Financial Services Inc109 E Division,P O Box 186SPARTA 49345-0186United StatesUSA
- Phone+1 (616) 887-7366
- Websitehttps://www.choiceone.com/
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Mergers & acquisitions
| Acquired company | COFS:NAQ since announced | Transaction value |
|---|---|---|
| Fentura Financial Inc,Fenton, Michigan | 20.65% | 180.39m |
Data delayed at least 15 minutes, as of Nov 13 2024 18:58 GMT.
Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Timberland Bancorp Inc | 94.83m | 24.28m | 259.85m | 285.00 | 10.85 | 1.06 | 13.08 | 3.45 | 3.01 | 3.01 | 9.32 | 30.83 | -- | -- | -- | -- | 1.29 | 1.47 | -- | -- | -- | -- | 32.25 | 35.20 | -- | -- | -- | 27.80 | 18.60 | 11.22 | -10.45 | 0.218 | -- | 10.37 |
| Plumas Bancorp | 82.59m | 28.39m | 268.56m | 189.00 | 9.54 | 1.48 | 8.96 | 3.30 | 4.77 | 4.77 | 13.67 | 30.86 | -- | -- | -- | -- | 1.75 | 1.67 | -- | -- | -- | -- | 34.91 | 35.95 | -- | -- | -- | 15.78 | 24.82 | 16.79 | 12.60 | 16.30 | -10.04 | 23.16 |
| Parke Bancorp, Inc. | 122.09m | 28.27m | 273.82m | 101.00 | 9.89 | 0.9245 | 9.50 | 4.33 | 2.33 | 2.33 | 5.21 | 24.95 | -- | -- | -- | -- | 1.40 | 1.77 | -- | -- | -- | -- | 44.72 | 47.59 | -- | -- | -- | 22.84 | 28.83 | 12.74 | -31.96 | 3.13 | -- | 15.27 |
| LINKBANCORP Inc | 141.52m | 5.62m | 276.85m | 342.00 | -- | 0.9982 | 99.66 | 2.88 | -0.0612 | -0.0612 | 2.86 | 7.42 | -- | -- | -- | -- | 0.272 | -- | -- | -- | -- | -- | 5.85 | -- | -- | -- | -- | -- | 61.93 | -- | -313.79 | -- | -- | -- |
| NASB Financial, Inc. | 157.64m | 28.77m | 280.93m | 463.00 | 9.77 | 0.6901 | -- | 3.31 | 3.89 | 3.89 | 11.48 | 55.06 | -- | -- | -- | -- | 1.04 | 2.22 | -- | -- | -- | -- | 33.89 | 33.19 | -- | -- | -- | 34.63 | 46.96 | 7.29 | -11.57 | -0.8413 | 0.06 | -2.54 |
| Chicago Atlantic BDC Inc | 12.42m | 5.58m | 293.01m | 0.00 | 14.29 | 0.9471 | -- | 23.59 | 0.8986 | 0.8986 | 2.00 | 13.56 | 0.137 | -- | 11.04 | -- | 6.16 | -- | 6.41 | -- | 79.80 | -- | 44.95 | -- | -- | -- | 0.00 | -- | -- | -- | -- | -- | -- | -- |
| BayCom Corp | 129.77m | 23.89m | 301.52m | 336.00 | 12.90 | 0.9373 | 14.92 | 3.01 | 2.10 | 2.10 | 8.80 | 28.90 | -- | -- | -- | -- | 0.9302 | 0.9295 | -- | -- | -- | -- | 23.88 | 22.55 | -- | -- | -- | 7.25 | 18.00 | 17.31 | 15.57 | 13.61 | 15.95 | -- |
| Primis Financial Corp | -100.00bn | -100.00bn | 303.35m | 528.00 | -- | 0.7635 | -- | -- | -- | -- | -- | 16.07 | -- | -- | -- | -- | -- | 0.5083 | -- | -- | -- | -- | -- | 14.31 | -- | -- | -- | 57.14 | 56.24 | 10.13 | -155.36 | -- | -0.5017 | 4.56 |
| Fidelity D&D Bancorp Inc | 103.80m | 15.43m | 322.59m | 291.00 | 21.02 | 1.56 | 22.01 | 4.44 | 2.68 | 2.68 | 12.60 | 36.13 | -- | -- | -- | -- | 0.6058 | 1.05 | -- | -- | -- | -- | 21.25 | 28.22 | -- | -- | -- | 33.16 | 19.27 | 21.57 | -39.34 | 10.59 | 14.25 | 9.04 |
| Choiceone Financial Services Inc | 118.03m | 24.86m | 322.68m | 371.00 | 11.41 | 1.30 | 12.10 | 3.64 | 3.16 | 3.16 | 11.29 | 27.65 | -- | -- | -- | -- | 0.9381 | 0.9268 | -- | -- | -- | -- | 28.03 | 25.44 | -- | -- | -- | 38.64 | 31.87 | 32.19 | -10.06 | 23.73 | 0.128 | 8.10 |
| First Bancorp Inc | 144.66m | 26.44m | 323.29m | 271.00 | 12.20 | 1.26 | 11.28 | 4.13 | 2.38 | 2.38 | 7.03 | 23.03 | -- | -- | -- | -- | 0.8688 | 1.30 | -- | -- | -- | -- | 33.80 | 38.97 | -- | -- | -- | 44.75 | 37.77 | 12.69 | -24.29 | 4.63 | 12.17 | 5.42 |
| Finemark Holdings Inc | 169.38m | 2.83m | 327.31m | -- | 115.75 | 0.9257 | 258.54 | 3.82 | 0.2341 | 0.2341 | 7.09 | 29.28 | -- | -- | -- | -- | 0.0824 | 0.6004 | -- | -- | -- | -- | 3.96 | 20.49 | -- | -- | -- | -- | 48.48 | 17.69 | -77.20 | -19.53 | -28.80 | -- |
| Southern First Bancshares Inc | 199.22m | 14.07m | 355.93m | 296.00 | 25.13 | 1.09 | 18.83 | 3.98 | 1.74 | 1.74 | 11.03 | 40.04 | -- | -- | -- | -- | 0.3434 | 0.9441 | -- | -- | -- | -- | 15.72 | 27.70 | -- | -- | -- | 0.00 | 50.94 | 18.30 | -53.89 | -9.64 | -8.56 | -- |
| John Marshall Bancorp Inc | -100.00bn | -100.00bn | 365.08m | 134.00 | -- | 1.50 | -- | -- | -- | -- | -- | 17.07 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.87 | -- | -83.77 | -- | -- | -- |
| FIRST BANK (Hamilton) | 218.45m | 40.13m | 380.99m | 280.00 | 9.51 | 0.9478 | 10.83 | 3.07 | 1.59 | 1.59 | 4.92 | 15.96 | -- | -- | -- | -- | 1.10 | 1.09 | -- | -- | -- | -- | 32.34 | 30.55 | -- | -- | -- | 13.67 | 62.24 | 19.06 | -42.41 | 3.51 | 11.69 | 14.87 |
| Community West Bancshares | 140.73m | 6.67m | 385.73m | 356.00 | 31.01 | 1.06 | 29.74 | 3.68 | 0.6565 | 0.6565 | 6.84 | 19.19 | -- | -- | -- | -- | 0.2234 | 1.17 | -- | -- | -- | -- | 6.36 | 29.78 | -- | -- | -- | 23.20 | 23.41 | 9.80 | -4.16 | 3.70 | 65.45 | 7.14 |
Data as of Nov 13 2024. Currency figures normalised to ChoiceOne Financial Services Inc's reporting currency: US Dollar USD
13.87%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Jun 2024 | 358.95k | 4.01% |
| The Vanguard Group, Inc.as of 30 Jun 2024 | 344.78k | 3.85% |
| Geode Capital Management LLCas of 30 Jun 2024 | 154.62k | 1.73% |
| SSgA Funds Management, Inc.as of 30 Jun 2024 | 90.89k | 1.02% |
| Curi RMB Capital LLCas of 30 Sep 2024 | 70.93k | 0.79% |
| Northern Trust Investments, Inc.(Investment Management)as of 30 Jun 2024 | 55.94k | 0.63% |
| Bridgeway Capital Management LLCas of 30 Jun 2024 | 54.22k | 0.61% |
| Shakespeare Wealth Management LLCas of 30 Jun 2024 | 39.52k | 0.44% |
| Cerity Partners LLCas of 30 Jun 2024 | 36.85k | 0.41% |
| Segall Bryant & Hamill LLCas of 30 Sep 2024 | 35.37k | 0.40% |
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Data from 30 Jun 2024 - 30 Sep 2024Source: FactSet Research Systems Inc.
