ChoiceOne Financial Valuation
| COFS Stock | USD 37.27 0.44 1.19% |
At this time, the firm appears to be overvalued. ChoiceOne Financial shows a prevailing Real Value of $32.79 per share. The current price of the firm is $37.27. Our model approximates the value of ChoiceOne Financial from analyzing the firm fundamentals such as Current Valuation of 429.2 M, return on equity of 0.12, and Profit Margin of 0.28 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting ChoiceOne Financial's valuation include:
Price Book 1.3476 | Enterprise Value 429.2 M | Price Sales 3.7982 | Forward PE 9.5329 | Trailing PE 11.7943 |
Overvalued
Today
Please note that ChoiceOne Financial's price fluctuation is very steady at this time. Calculation of the real value of ChoiceOne Financial is based on 3 months time horizon. Increasing ChoiceOne Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the ChoiceOne stock is determined by what a typical buyer is willing to pay for full or partial control of ChoiceOne Financial Services. Since ChoiceOne Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of ChoiceOne Stock. However, ChoiceOne Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 37.27 | Real 32.79 | Target 24.0 | Hype 37.25 | Naive 37.33 |
The intrinsic value of ChoiceOne Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence ChoiceOne Financial's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of ChoiceOne Financial Services helps investors to forecast how ChoiceOne stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of ChoiceOne Financial more accurately as focusing exclusively on ChoiceOne Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use ChoiceOne Financial's intrinsic value based on its ongoing forecasts of ChoiceOne Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against ChoiceOne Financial's closest peers.
ChoiceOne Financial Cash |
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ChoiceOne Valuation Trend
ChoiceOne Financial's real value is important for investors to make better decisions and a more accurate overall view of ChoiceOne Financial's financial worth over time. Using both ChoiceOne Financial's enterprise value as well as its market capitalization is the best way to gauge the value of the company and is usually enough for investors to make market timing conclusions.
ChoiceOne Revenue by Product
ChoiceOne Financial Total Value Analysis
ChoiceOne Financial Services is currently forecasted to have valuation of 429.2 M with market capitalization of 333.85 M, debt of 235.51 M, and cash on hands of 51.49 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the ChoiceOne Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
429.2 M | 333.85 M | 235.51 M | 51.49 M |
ChoiceOne Financial Investor Information
About 34.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.35. Some equities with similar Price to Book (P/B) outperform the market in the long run. ChoiceOne Financial last dividend was issued on the 13th of September 2024. The entity had 105:100 split on the 9th of May 2018. Based on the analysis of ChoiceOne Financial's profitability, liquidity, and operating efficiency, ChoiceOne Financial Services is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.57 | 0.317 |
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| Total Cash From Operating Activities | 48.8 M | 46.5 M |
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| Operating Income | 26.8 M | 25.6 M |
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ChoiceOne Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The newest return on assets of ChoiceOne implies not a very effective usage of assets in November.ChoiceOne Financial Ownership Allocation
The market capitalization of ChoiceOne Financial is $333.85 Million. 30% of ChoiceOne Financial Services outstanding shares are owned by other corporate entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company at some point.ChoiceOne Financial Profitability Analysis
The company reported the previous year's revenue of 80.64 M. Net Income was 21.26 M with profit before overhead, payroll, taxes, and interest of 81.14 M.ChoiceOne Financial Past Distributions to stockholders
About ChoiceOne Financial Valuation
The stock valuation mechanism determines ChoiceOne Financial's current worth on a daily basis. In general, an absolute valuation approach attempts to find the value of ChoiceOne Financial based exclusively on its fundamental and basic technical indicators. As compared to an absolute model, our relative valuation model uses a comparative analysis of ChoiceOne Financial. We calculate exposure to ChoiceOne Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of ChoiceOne Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 80.6 M | 84.7 M | |
| Pretax Profit Margin | 0.32 | 0.57 | |
| Operating Profit Margin | 0.32 | 0.57 | |
| Net Profit Margin | 0.26 | 0.43 |
ChoiceOne Financial Quarterly Retained Earnings |
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A single share of ChoiceOne Financial represents a small ownership stake in the entity. As a stockholder of ChoiceOne, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
ChoiceOne Financial Dividends Analysis For Valuation
At this time, ChoiceOne Financial's Dividends Paid is comparatively stable compared to the past year. Dividend Payout Ratio is likely to gain to 0.57 in 2024, whereas Dividend Yield is likely to drop 0.03 in 2024. . At this time, ChoiceOne Financial's Retained Earnings are comparatively stable compared to the past year. Retained Earnings Total Equity is likely to gain to about 82.6 M in 2024, whereas Earnings Yield is likely to drop 0.06 in 2024.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 7.9 M | 8.3 M | |
| Dividend Yield | 0.04 | 0.03 | |
| Dividend Payout Ratio | 0.37 | 0.57 | |
| Dividend Paid And Capex Coverage Ratio | 3.83 | 2.20 |
There are various types of dividends ChoiceOne Financial can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of ChoiceOne shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from ChoiceOne Financial Services directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When ChoiceOne pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of ChoiceOne Financial by the value of the dividends paid out.
ChoiceOne Financial Growth Indicators
Investing in growth stocks can be very risky. If the company such as ChoiceOne Financial does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 7.6 M | |
| Quarterly Earnings Growth Y O Y | 0.251 | |
| Forward Price Earnings | 9.5329 |
ChoiceOne Financial Current Valuation Indicators
ChoiceOne Financial's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final ChoiceOne Financial's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as ChoiceOne Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use ChoiceOne Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes ChoiceOne Financial's worth.Additional Tools for ChoiceOne Stock Analysis
When running ChoiceOne Financial's price analysis, check to measure ChoiceOne Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy ChoiceOne Financial is operating at the current time. Most of ChoiceOne Financial's value examination focuses on studying past and present price action to predict the probability of ChoiceOne Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move ChoiceOne Financial's price. Additionally, you may evaluate how the addition of ChoiceOne Financial to your portfolios can decrease your overall portfolio volatility.