ChoiceOne Financial Services, Inc.
Financials
Valuation Metrics
ChoiceOne Financial Services, Inc.'s Market Cap is $544M. At end of 2025 it was $443M. Ranked #2713 of 3,118 in US market (top 87%), #1178 of 1,474 on NASDAQ (top 80%), #219 of 245 in Banks (top 89%) by Market Cap.
Investment Metrics(as of 2026-11-02)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $544M | US#2,713/3,118 Sec#219/245 |
| Net Income | $55M | US#1,844/3,118 Sec#196/245 |
| Total Assets | $4.46B | US#1,506/3,118 Sec#209/245 |
| Net Assets | $483M | US#2,242/3,118 Sec#211/245 |
| Employees | 577 | US#2,213/3,118 Sec#176/245 |
| Value | ||
| P/E | 9.95x | US#316/3,118 Sec#37/245 |
| P/B | 1.13x | US#500/3,118 Sec#64/245 |
| P/S | 2.82x | US#1,600/3,118 Sec#41/245 |
| EV/EBITDA | 17.39x | US#1,734/3,118 Sec#174/245 |
| FCF Yield | 10.18% | US#544/3,118 Sec#76/245 |
| Profitability | ||
| ROE | 11.34% | US#1,223/3,118 Sec#99/245 |
| ROA | 1.23% | US#1,872/3,118 Sec#108/245 |
| Financial Health | ||
| Debt Ratio | 823.37% | US#2,630/3,118 Sec#143/245 |
| Total Debt | $343M | US#2,045/3,118 Sec#161/245 |
| FCF | $55M | US#1,938/3,118 Sec#183/245 |
| Cash | $89M | US#2,294/3,118 Sec#184/245 |
| Current Ratio | 0.17x | US#2,922/3,118 Sec#182/245 |
| Net Debt/EBITDA | 5.55x | US#2,097/3,118 Sec#185/245 |
| Dividend | ||
| Div. Yield | 3.17% | US#545/3,118 Sec#53/245 |
| Div. Growth | 88.07% | US#79/3,118 Sec#6/245 |
| Performance | ||
| 1Y Return | 26.89% | US#1,051/3,118 Sec#137/245 |
| 1M Return | 9.76% | US#802/3,118 Sec#18/245 |
| From 52W High | -2.05% | US#392/3,118 Sec#47/245 |
| 1Y MDD | -16.16% | US#354/3,118 Sec#134/245 |
| Trading | ||
| Volume | 63,352 shares | US#2,993/3,118 Sec#210/245 |
| Trading Value | $2M | US#2,845/3,118 Sec#215/245 |
| Per Share | ||
| EPS | $3.65 | US#922/3,118 Sec#106/245 |
| BPS | $32.23 | US#828/3,118 Sec#124/245 |
Company Info
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM) facilities. Its lending portfolio is extensive, providing commercial loans for various purposes such such as business operations, industrial endeavors, agriculture, construction projects, inventory financing, and real estate purchases. For consumers, ChoiceOne extends both direct and indirect loans, catering to personal needs and residential property acquisition. Beyond traditional banking, the company also provides alternative investment products, such as annuities and mutual funds, and offers life and health insurance policies to both its commercial and individual clientele. ChoiceOne maintains a substantial operational footprint with 32 full-service branch offices situated in Michigan's Kent, Muskegon, Newaygo, Ottawa, Lapeer, Macomb, and St. Clair counties. Additionally, it operates three specialized loan production offices. Established in 1898, ChoiceOne Financial Services, Inc. is headquartered in Sparta, Michigan.