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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)98.98m
- Net income in USD21.26m
- Incorporated1986
- Employees324.00
- LocationChoiceOne Financial Services Inc109 East Division Street,P.O. Box 186SPARTA 49345-0186United StatesUSA
- Phone+1 (616) 887-7366
- Websitehttps://www.choiceone.com/
Peer analysis
- 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) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Ames National Corporation | 74.30m | 10.82m | 175.35m | 254.00 | 16.21 | 1.06 | 13.95 | 3.26 | 1.20 | 1.20 | 5.99 | 18.44 | -- | -- | -- | -- | 0.5042 | 0.92 | -- | -- | -- | -- | 20.09 | 29.76 | -- | -- | -- | 52.10 | 20.71 | 8.36 | -43.93 | -8.66 | 50.61 | 3.48 |
National Bankshares Inc. | 58.83m | 15.69m | 176.34m | 222.00 | 11.23 | 1.25 | 10.72 | 3.78 | 2.66 | 2.66 | 7.92 | 23.84 | -- | -- | -- | -- | 0.9416 | 1.24 | -- | -- | -- | -- | 33.64 | 38.36 | -- | -- | -- | 52.93 | 17.41 | 6.36 | -39.49 | -0.5762 | 4.61 | 4.53 |
California BanCorp | 109.21m | 21.63m | 180.55m | 169.00 | 8.40 | 0.9178 | 8.00 | 2.27 | 2.56 | 2.56 | 9.38 | 23.38 | -- | -- | -- | -- | 1.07 | 0.7829 | -- | -- | -- | -- | 27.24 | 21.69 | -- | -- | -- | 0.00 | 32.73 | 21.68 | 2.49 | 19.95 | -- | -- |
Middlefield Banc Corp | 90.30m | 17.37m | 183.57m | 256.00 | 10.67 | 0.8954 | 9.17 | 2.55 | 2.13 | 2.13 | 8.82 | 25.41 | -- | -- | -- | -- | 0.9894 | 1.02 | -- | -- | -- | -- | 24.16 | 25.99 | -- | -- | -- | 33.15 | 64.46 | 12.39 | 10.81 | 6.92 | -12.20 | 7.39 |
First Financial Northwest Inc | 78.16m | 6.29m | 188.17m | 142.00 | 29.81 | 1.16 | 22.58 | 4.34 | 0.6881 | 0.6881 | 4.74 | 17.61 | -- | -- | -- | -- | 0.4192 | 0.7207 | -- | -- | -- | -- | 14.56 | 21.89 | -- | -- | -- | 40.63 | 31.93 | 6.93 | -52.36 | -15.82 | -26.40 | 10.90 |
Colony Bankcorp Inc | 124.92m | 21.75m | 189.63m | 453.00 | 8.73 | 0.7441 | 6.23 | 1.67 | 1.24 | 1.24 | 6.48 | 14.51 | -- | -- | -- | -- | 0.7261 | 0.7412 | -- | -- | -- | -- | 19.10 | 17.32 | -- | -- | -- | 31.52 | 36.47 | 20.57 | 11.28 | 12.78 | 5.54 | 17.08 |
Choiceone Financial Services Inc | 98.98m | 21.26m | 190.29m | 324.00 | 8.96 | 0.9711 | 5.65 | 2.36 | 2.81 | 2.81 | 10.67 | 25.92 | -- | -- | -- | -- | 0.8569 | 0.9268 | -- | -- | -- | -- | 26.32 | 25.44 | -- | -- | -- | 38.64 | 31.87 | 32.19 | -10.06 | 23.73 | 0.128 | 8.10 |
Princeton Bancorp Inc | 98.18m | 25.77m | 191.13m | 206.00 | 7.45 | 0.7909 | 6.89 | 2.33 | 4.05 | 4.05 | 12.90 | 38.13 | -- | -- | -- | -- | 1.46 | 1.24 | -- | -- | -- | -- | 31.37 | 30.76 | -- | -- | -- | 22.48 | 32.53 | 12.55 | -2.75 | 11.87 | 12.27 | 109.13 |
Medallion Financial Corp | 251.04m | 55.08m | 191.63m | 169.00 | 3.44 | 0.5579 | 2.89 | 0.9609 | 2.37 | 2.37 | 8.58 | 14.63 | -- | -- | -- | -- | 2.52 | 1.55 | -- | -- | -- | -- | 30.65 | 19.13 | -- | -- | -- | 11.92 | 27.68 | 20.01 | 25.64 | -- | -- | -- |
Norwood Financial Corp | 100.77m | 15.41m | 195.54m | 261.00 | 12.61 | 1.08 | 16.22 | 2.84 | 1.91 | 1.91 | 8.54 | 22.34 | -- | -- | -- | -- | 0.7061 | 1.13 | -- | -- | -- | -- | 22.36 | 30.75 | -- | -- | -- | 41.26 | 26.27 | 17.59 | -42.67 | 4.19 | 10.09 | 5.86 |
Cashmere Valley Bank | 82.15m | 27.98m | 196.02m | -- | 7.00 | 0.9686 | -- | 2.45 | 7.21 | 7.21 | 20.61 | 52.11 | -- | -- | -- | -- | 1.36 | 1.36 | -- | -- | -- | -- | 35.06 | 37.06 | -- | -- | -- | 28.91 | 24.02 | 10.34 | 7.62 | 5.13 | 7.88 | -8.84 |
Parke Bancorp, Inc. | 116.16m | 23.46m | 197.31m | 101.00 | 8.53 | 0.6842 | 11.12 | 2.94 | 1.93 | 1.93 | 5.53 | 24.12 | -- | -- | -- | -- | 1.18 | 1.77 | -- | -- | -- | -- | 35.00 | 47.59 | -- | -- | -- | 22.84 | 28.83 | 12.74 | -31.96 | 3.13 | -- | 15.27 |
Bankwell Financial Group Inc | 188.45m | 35.71m | 198.26m | 126.00 | 5.35 | 0.7436 | 4.92 | 2.00 | 4.68 | 4.68 | 13.02 | 33.71 | -- | -- | -- | -- | 1.13 | 1.01 | -- | -- | -- | -- | 36.92 | 32.22 | -- | -- | -- | 21.21 | 59.78 | 18.67 | -2.49 | 15.72 | -9.41 | 10.76 |
LCNB Corp | 79.60m | 12.54m | 201.41m | 345.00 | 13.44 | 0.8527 | 12.90 | 2.81 | 1.13 | 1.13 | 6.28 | 17.86 | -- | -- | -- | -- | 0.5998 | 1.03 | -- | -- | -- | -- | 17.60 | 26.37 | -- | -- | -- | 50.15 | 21.06 | 7.83 | -43.03 | -3.29 | 34.14 | 5.51 |
FVCBankcorp Inc | 106.62m | 3.82m | 205.59m | 116.00 | 56.21 | 0.9432 | 46.53 | 4.96 | 0.2046 | 0.2046 | 2.29 | 12.19 | -- | -- | -- | -- | 0.1686 | 0.8481 | -- | -- | -- | -- | 9.23 | 29.58 | -- | -- | -- | -- | 32.14 | 15.48 | -84.70 | -18.86 | -22.18 | -- |
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