CHOICEONE FINANCIAL SERVICES, INC. |
Market Closed -
Other stock markets
|
5-day change | 1st Jan Change | ||
| 25.74 USD | +1.14% |
|
+5.49% | -12.15% |
Valuation
| Fiscal Period: December | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Capitalization 1 | 217.9 | 221.1 | 194.6 | - |
| Enterprise Value (EV) 1 | 217.9 | 221.1 | 194.6 | 194.6 |
| P/E ratio | 8.45 x | 10.4 x | 8.52 x | 8.44 x |
| Yield | - | 3.58% | 4.23% | 4.39% |
| Capitalization / Revenue | - | - | - | - |
| EV / Revenue | - | - | - | - |
| EV / EBITDA | - | - | - | - |
| EV / FCF | - | - | - | - |
| FCF Yield | - | - | - | - |
| Price to Book | - | 1.13 x | 0.89 x | 0.83 x |
| Nbr of stocks (in thousands) | 7,514 | 7,545 | 7,560 | - |
| Reference price 2 | 29.00 | 29.30 | 25.74 | 25.74 |
| Announcement Date | 1/25/23 | 1/25/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Annual data)
| Fiscal Period: December | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Net sales | - | - | - | - |
| EBITDA | - | - | - | - |
| EBIT | - | - | - | - |
| Operating Margin | - | - | - | - |
| Earnings before Tax (EBT) 1 | - | 25.57 | 28.3 | 28.6 |
| Net income 1 | 25.75 | 21.26 | 23 | 23.2 |
| Net margin | - | - | - | - |
| EPS 2 | 3.431 | 2.820 | 3.020 | 3.050 |
| Free Cash Flow | - | - | - | - |
| FCF margin | - | - | - | - |
| FCF Conversion (EBITDA) | - | - | - | - |
| FCF Conversion (Net income) | - | - | - | - |
| Dividend per Share 2 | - | 1.050 | 1.090 | 1.130 |
| Announcement Date | 1/25/23 | 1/25/24 | - | - |
1USD in Million2USD
Estimates
Income Statement Evolution (Quarterly data)
| Fiscal Period: December | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
|---|---|---|---|---|---|---|---|
| Net sales | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| EBIT | - | - | - | - | - | - | - |
| Operating Margin | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 6.202 | 6.449 | 6.841 | 7.1 | 7.5 | 7.4 | 7.2 |
| Net income 1 | 5.122 | 5.293 | 5.634 | 5.8 | 6.1 | 6.1 | 5.8 |
| Net margin | - | - | - | - | - | - | - |
| EPS 2 | 0.6800 | 0.7000 | 0.7400 | 0.7600 | 0.8100 | 0.8000 | 0.7700 |
| Dividend per Share 2 | 0.2600 | 0.2700 | 0.2700 | 0.2700 | 0.2700 | 0.2800 | 0.2800 |
| Announcement Date | 10/25/23 | 1/25/24 | 4/24/24 | - | - | - | - |
1USD in Million2USD
Estimates
Balance Sheet Analysis
| Fiscal Period: December | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Net Debt | - | - | - | - |
| Net Cash position | - | - | - | - |
| Leverage (Debt/EBITDA) | - | - | - | - |
| Free Cash Flow | - | - | - | - |
| ROE (net income / shareholders' equity) | - | 11.7% | 11% | 10.3% |
| ROA (Net income/ Total Assets) | - | 0.86% | 0.86% | 0.84% |
| Assets 1 | - | 2,481 | 2,674 | 2,762 |
| Book Value Per Share 2 | - | 25.90 | 28.90 | 31.00 |
| Cash Flow per Share | - | - | - | - |
| Capex | - | - | - | - |
| Capex / Sales | - | - | - | - |
| Announcement Date | 1/25/23 | 1/25/24 | - | - |
1USD in Million2USD
Estimates
EPS & Dividend
Year-on-year evolution of the PER
Year-on-year evolution of the Yield
Change in Enterprise Value/EBITDA
Sell
Buy
Mean consensus
HOLD
Number of Analysts
1
Last Close Price
25.74
USD
Average target price
27
USD
Spread / Average Target
+4.90%
EPS Revisions
| 1st Jan change | Capi. | |
|---|---|---|
| -12.15% | 195M | |
| +15.95% | 208B | |
| +4.79% | 75.63B | |
| +11.00% | 56.57B | |
| +3.95% | 48.37B | |
| +15.23% | 48.14B | |
| +24.46% | 45.13B | |
| +10.41% | 37.5B | |
| -15.00% | 35.65B | |
| -96.60% | 32.24B |
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- Financials ChoiceOne Financial Services, Inc.