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ChoiceOne Financial Services (COFS)

(Delayed Data from NSDQ)

$32.98 USD

32.98
32,204

-0.19 (-0.57%)

Updated Nov 1, 2024 04:00 PM ET

After-Market: $32.82 -0.16 (-0.49%) 7:58 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.10%
2Buy17.80%
3Hold9.50%
4Sell2.70%
5Strong Sell2.70%
S&P50011.20%

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3-Hold of 5     3    

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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B Value F Growth A Momentum C VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Top 38% (95 out of 250)

Industry: Financial - Miscellaneous Services

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Balance Sheet

Research for COFS

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

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Fiscal Year End for ChoiceOne Financial Services, Inc falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 55 44 32 80 60
Receivables 1,376 1,182 1,009 1,062 798
Notes Receivable 0 0 0 0 0
Inventories 5 5 9 13 3
Other Current Assets 0 0 0 0 0
Total Current Assets 1,436 1,231 1,050 1,155 861
Net Property & Equipment 30 28 30 29 24
Investments & Advances 940 973 1,116 586 349
Other Non-Current Assets 0 0 0 0 1
Deferred Charges 0 0 0 0 0
Intangibles 62 63 64 66 59
Deposits & Other Assets 110 91 106 84 93
Total Assets 2,577 2,386 2,367 1,919 1,386
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 0 0 0 0 0
Accounts Payable 2,122 2,118 2,052 1,675 1,155
Current Portion Long-Term Debt 0 0 0 0 0
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 0 0 0 0 0
Total Current Liabilities 2,122 2,118 2,052 1,675 1,155
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 236 85 85 12 33
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 24 14 8 5 6
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 2,381 2,217 2,145 1,692 1,194
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 0 0 0 0 0
Common Stock (Par) 174 172 172 179 163
Capital Surplus 0 0 0 0 0
Retained Earnings 74 68 52 37 28
Other Equity -52 -72 -3 11 1
Treasury Stock 0 0 0 0 0
Total Shareholder's Equity 196 169 222 227 192
Total Liabilities & Shareholder's Equity 2,577 2,386 2,367 1,919 1,386
Total Common Equity 196 169 222 227 192
Shares Outstanding 7.50 7.50 7.50 7.80 7.20
Book Value Per Share 26.08 22.52 29.56 29.14 26.69

Fiscal Year End for ChoiceOne Financial Services, Inc falls in the month of December.

All items in Millions except Per Share data.

9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023
Assets          
Cash & Equivalents -99,999 101 150 55 145
Receivables NA 1,421 1,403 1,376 1,295
Notes Receivable NA 0 0 0 0
Inventories NA 6 6 5 5
Other Current Assets NA 0 0 0 0
Total Current Assets NA 1,528 1,559 1,436 1,445
Net Property & Equipment NA 27 28 30 30
Investments & Advances NA 901 920 940 922
Other Non-Current Assets NA 0 0 0 0
Deferred Charges NA 0 0 0 0
Intangibles NA 61 62 62 62
Deposits & Other Assets NA 104 102 110 115
Total Assets NA 2,623 2,671 2,577 2,574
Liabilities & Shareholders Equity 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023
Notes Payable NA 0 0 0 0
Accounts Payable NA 2,127 2,186 2,122 2,133
Current Portion Long-Term Debt NA 0 0 0 0
Current Portion Capital Leases NA 0 0 0 0
Accrued Expenses NA 0 0 0 0
Income Taxes Payable NA 0 0 0 0
Other Current Liabilities NA 0 0 0 0
Total Current Liabilities NA 2,127 2,186 2,122 2,133
Mortgages NA 0 0 0 0
Deferred Taxes/Income NA 0 0 0 0
Convertible Debt NA 0 0 0 0
Long-Term Debt NA 246 246 236 215
Non-Current Capital Leases NA 0 0 0 0
Other Non-Current Liabilities NA 33 24 44
Minority Interest (Liabilities) NA 0 0 0 0
Total Liabilities NA 2,409 2,464 2,381 2,393
Shareholders Equity 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023
Preferred Stock NA 0 0 0 0
Common Stock (Par) NA 174 174 174 173
Capital Surplus NA 0 0 0 0
Retained Earnings NA 82 77 74 70
Other Equity NA -41 -44 -52 -62
Treasury Stock NA 0 0 0 0
Total Shareholder's Equity NA 215 207 196 181
Total Liabilities & Shareholder's Equity NA 2,623 2,671 2,577 2,574
Total Common Equity 0 215 207 196 181
Shares Outstanding 8.90 8.70 7.50 7.50 7.50
Book Value Per Share 0.00 24.66 27.57 26.08 24.15