ChoiceOne Financial Services, Inc.

How big is ChoiceOne Financial Services, Inc.?

As of Jun 18, ChoiceOne Financial Services, Inc. has a market capitalization of 412.07 million and total assets of 2,744.15 million, with shareholder's funds at 260.42 million.

As of Jun 18, ChoiceOne Financial Services, Inc. has a market capitalization of 412.07 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 132.63 million, while the sum of net profit for the same period is 7.19 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 260.42 million and total assets amounting to 2,744.15 million.

What does ChoiceOne Financial Services, Inc. do?

ChoiceOne Financial Services, Inc. is a micro-cap bank holding company in the Regional Banks industry, reporting net sales of $40 million and a net profit loss of $14 million as of March 2025. Key metrics include a P/E ratio of 17.00 and a return on equity of 5.91%.

Overview: <BR>ChoiceOne Financial Services, Inc. is a bank holding company operating in the Regional Banks industry, with a market cap in the micro-cap bracket.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 40 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -14 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 412.07 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 17.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 5.91% <BR>Price to Book: 0.96<BR><BR>Contact Details: <BR>Address: 109 E Division, PO Box 186 SPARTA MI : 49345-0186 <BR>Tel: ['1 616 8877366', '1 616 8872337'] <BR>Website: http://www.snl.com/IRW/CorporateProfile/1020388

Should I buy, sell or hold ChoiceOne Financial Services, Inc.?

Who are in the management team of ChoiceOne Financial Services, Inc.?

As of March 2022, the management team of ChoiceOne Financial Services, Inc. includes Mr. Paul Johnson (Independent Chairman), Mr. Michael Burke (President and Director), Mr. Kelly Potes (CEO and Director), and several independent directors: Mr. Bruce Cady, Mr. James Bosserd, Mr. Keith Brophy, Mr. Harold Burns, and Mr. Eric Burrough. They oversee the company's strategic direction and operations.

As of March 2022, the management team of ChoiceOne Financial Services, Inc. includes the following individuals:<BR><BR>- Mr. Paul Johnson, Independent Chairman of the Board<BR>- Mr. Michael Burke, President and Director<BR>- Mr. Kelly Potes, President, Chief Executive Officer, and Director of the Company and Bank<BR>- Mr. Bruce Cady, Director<BR>- Mr. James Bosserd, Independent Director<BR>- Mr. Keith Brophy, Independent Director<BR>- Mr. Harold Burns, Independent Director<BR>- Mr. Eric Burrough, Independent Director<BR><BR>This team is responsible for overseeing the strategic direction and operations of the company.

Is ChoiceOne Financial Services, Inc. technically bullish or bearish?

As of September 8, 2025, ChoiceOne Financial Services, Inc. shows a mildly bearish trend with mixed technical indicators and has underperformed the S&P 500, with year-to-date and one-year returns of -14.87% and -1.81%, respectively.

As of 8 September 2025, the technical trend for ChoiceOne Financial Services, Inc. has changed from sideways to mildly bearish. The weekly MACD is bullish, but the monthly MACD is mildly bearish, indicating mixed signals. The daily moving averages are mildly bearish, while the weekly Bollinger Bands are bullish and the monthly Bollinger Bands are mildly bullish, suggesting some upward pressure. However, the overall stance remains bearish due to the weekly KST and OBV both being mildly bearish. <BR><BR>In terms of performance, the stock has underperformed the S&P 500 across multiple periods, with a year-to-date return of -14.87% compared to the S&P 500's 12.22%, and a one-year return of -1.81% versus 17.14%. This indicates a significant lag in performance relative to the benchmark.

Is ChoiceOne Financial Services, Inc. overvalued or undervalued?

As of October 3, 2025, ChoiceOne Financial Services, Inc. is fairly valued with a P/E ratio of 17, a Price to Book Value of 1.03, and an EV to EBITDA ratio of 16.31, positioning it moderately among peers like Community West Bancshares and Colony Bankcorp, Inc. with lower P/E ratios.

As of 3 October 2025, the valuation grade for ChoiceOne Financial Services, Inc. moved from expensive to fair. The company appears to be fairly valued based on its current metrics. The P/E ratio stands at 17, the Price to Book Value is 1.03, and the EV to EBITDA ratio is 16.31, indicating a reasonable valuation relative to its earnings and book value.<BR><BR>In comparison to its peers, Community West Bancshares has a P/E of 15.19, while Colony Bankcorp, Inc. shows a more attractive P/E of 10.86. This suggests that ChoiceOne is positioned moderately within its peer group, with some peers offering more attractive valuations. Although the return data is not available, the stock's recent performance can be assessed against the S&P 500, which may provide additional context for its valuation.