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ChoiceOne Financial Services, Inc is a banks-regional business based in the US. ChoiceOne Financial Services shares (COFS) are listed on the NASDAQ and all prices are listed in US Dollars.
|52-week range||USD$16.512 - USD$32.7762|
|50-day moving average||USD$27.8168|
|200-day moving average||USD$28.653|
|Wall St. target price||N/A|
|Dividend yield||USD$0.82 (3.18%)|
|Earnings per share (TTM)||USD$2.07|
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Valuing ChoiceOne Financial Services stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of ChoiceOne Financial Services's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
ChoiceOne Financial Services's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, ChoiceOne Financial Services shares trade at around 12x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
|Revenue TTM||USD$69.8 million|
|Operating margin TTM||29.22%|
|Gross profit TTM||USD$69.8 million|
|Return on assets TTM||0.95%|
|Return on equity TTM||7.45%|
|Market capitalisation||USD$200.3 million|
TTM: trailing 12 months
There are currently 61,156 ChoiceOne Financial Services shares held short by investors – that's known as ChoiceOne Financial Services's "short interest". This figure is 1.7% down from 62,245 last month.
There are a few different ways that this level of interest in shorting ChoiceOne Financial Services shares can be evaluated.
ChoiceOne Financial Services's "short interest ratio" (SIR) is the quantity of ChoiceOne Financial Services shares currently shorted divided by the average quantity of ChoiceOne Financial Services shares traded daily (recently around 9141.4050822123). ChoiceOne Financial Services's SIR currently stands at 6.69. In other words for every 100,000 ChoiceOne Financial Services shares traded daily on the market, roughly 6690 shares are currently held short.
However ChoiceOne Financial Services's short interest can also be evaluated against the total number of ChoiceOne Financial Services shares, or, against the total number of tradable ChoiceOne Financial Services shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case ChoiceOne Financial Services's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 ChoiceOne Financial Services shares in existence, roughly 10 shares are currently held short) or 0.0084% of the tradable shares (for every 100,000 tradable ChoiceOne Financial Services shares, roughly 8 shares are currently held short).
A SIR below 10% would generally be considered to indicate a fairly optimistic outlook for the share price, with fewer people currently willing to bet against ChoiceOne Financial Services.
Find out more about how you can short ChoiceOne Financial Services stock.
Dividend payout ratio: 50.62% of net profits
Recently ChoiceOne Financial Services has paid out, on average, around 50.62% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.42% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), ChoiceOne Financial Services shareholders could enjoy a 3.42% return on their shares, in the form of dividend payments. In ChoiceOne Financial Services's case, that would currently equate to about $0.82 per share.
ChoiceOne Financial Services's payout ratio would broadly be considered high, and as such this stock could appeal to those looking to generate an income. Bear in mind however that companies should normally also look to re-invest a decent amount of net profits to ensure future growth.
ChoiceOne Financial Services's most recent dividend payout was on 31 December 2020. The latest dividend was paid out to all shareholders who bought their shares by 14 December 2020 (the "ex-dividend date").
ChoiceOne Financial Services's shares were split on a 105:100 basis on 9 May 2018. So if you had owned 100 shares the day before before the split, the next day you'd have owned 105 shares. This wouldn't directly have changed the overall worth of your ChoiceOne Financial Services shares – just the quantity. However, indirectly, the new 4.8% lower share price could have impacted the market appetite for ChoiceOne Financial Services shares which in turn could have impacted ChoiceOne Financial Services's share price.
Over the last 12 months, ChoiceOne Financial Services's shares have ranged in value from as little as $16.512 up to $32.7762. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while ChoiceOne Financial Services's is 0.5443. This would suggest that ChoiceOne Financial Services's shares are less volatile than average (for this exchange).
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank and Lakestone Bank & Trust that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, checking, and demand deposits, as well as certificates of deposit. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 33 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, and St. Clair counties, Michigan. The company was founded in 1898 and is headquartered in Sparta, Michigan.
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