ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is ChoiceOne Financial Services, Inc. ?
1
High Profitability with a Net Interest Margin of 16.95%
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 22.46%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CREDIT DEPOSIT RATIO(Q) Highest at 0.58%
- NII(Q) Highest at USD 36.32 MM
4
Rising Promoter Confidence
- Promoters have increased their stake in the company by 2.02% over the previous quarter and currently hold 2.02% of the company
- Promoters increasing their stake is a sign of high confidence in the future of the business
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to ChoiceOne Financial Services, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is ChoiceOne Financial Services, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
ChoiceOne Financial Services, Inc.
-14.61%
0.59
28.96%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.44%
EBIT Growth (5y)
13.28%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.53%
Pledged Shares
0
Institutional Holding
36.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.03
EV to EBIT
18.92
EV to EBITDA
16.31
EV to Capital Employed
1.03
EV to Sales
3.31
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
5.44%
ROE (Latest)
5.91%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(Q)
Highest at 0.58%
NII(Q)
Highest at USD 36.32 MM
CASH AND EQV(HY)
Highest at USD 292.05 MM
NET SALES(Q)
Highest at USD 53.92 MM
OPERATING PROFIT(Q)
Highest at USD 16.84 MM
PRE-TAX PROFIT(Q)
Highest at USD 16.84 MM
NET PROFIT(Q)
Highest at USD 13.67 MM
EPS(Q)
Highest at USD 0.9
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 20.09 MM
GROSS NPA (%)
(Q
DIVIDEND PAYOUT RATIO(Y)
Lowest at 31.03%
Here's what is working for ChoiceOne Financial Services, Inc.
Net Sales
At USD 53.92 MM has Grown at 80.09%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
At USD 16.84 MM has Grown at 105.91%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 13.67 MM has Grown at 107.54%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Credit Deposit Ratio
Highest at 0.58% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at USD 36.32 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 53.92 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 16.84 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 16.84 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 13.67 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.9
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 292.05 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 2.62 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.62 MM has Grown at 97.43%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for ChoiceOne Financial Services, Inc.
Non Performing Loans (%)
Highest at 0.58%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Operating Cash Flow
Lowest at USD 20.09 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 31.03%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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