ChoiceOne Financial Services, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from ChoiceOne Financial Services, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 100% in 3 years, so each share's slice of the company became smaller. Dividends paid equalled 44% of profit over the same period. Bigger rise in share count than 92% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$6Sales grew 99% in 3 years; of every extra $100 of sales, $6 became extra profit.
Lower than 71% of Financial Services companies in United States.
Asset Productivity Ratio
+99% / +85%In 3 years sales changed by +99% while total assets changed by +85%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
96%Of every $100 the company owns, $96 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 66% of Financial Services companies in United States.
Tangible Net Worth Ratio
66%Of every $100 of net worth, $66 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 75% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
ChoiceOne Financial Services, Inc. owes $0.89 for every $1 it owns. Net profit rose 5% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
9.3Investors pay $9.3 for every $1 of ChoiceOne Financial Services, Inc.'s yearly profit, lower than 82% of Financial Services companies in United States.
P/B ratio
1.06The share price is 1.06 times ChoiceOne Financial Services, Inc.'s book value per share, lower than 67% of Financial Services companies in United States.
Market cap
$512 MThe total market value of all of ChoiceOne Financial Services, Inc.'s shares at today's price (share price × number of shares), smaller than 58% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$483 MWhat ChoiceOne Financial Services, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$32.27Net worth divided by the number of shares. The share price of $34.26 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
12.0%ChoiceOne Financial Services, Inc. earned 12.0% on its shareholders' money over the last year, higher than 59% of Financial Services companies in United States.
Owes vs Owns
0.89×ChoiceOne Financial Services, Inc. owes $0.89 for every $1 it owns (high), higher than 75% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.40%ChoiceOne Financial Services, Inc. pays 3.40% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Revenue growth
+75%Revenue rose 75% in the year to Dec 2025, and grew 26% a year on average over 3 years.
Profit growth
+5%Net profit rose 5% in the year to Dec 2025, and grew 6% a year on average over 3 years.
Profit margin
17.4%ChoiceOne Financial Services, Inc. keeps $17 of every $100 of revenue as net profit.
Questions
What is ChoiceOne Financial Services, Inc.'s P/E ratio?
Investors pay $9.3 for every $1 of ChoiceOne Financial Services, Inc.'s yearly profit, lower than 82% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For ChoiceOne Financial Services, Inc.: $512 M ÷ $483 M (30 Jun 2026) = 1.1.
What is ChoiceOne Financial Services, Inc.'s return on equity?
ChoiceOne Financial Services, Inc. earned 12.0% on its shareholders' money over the last year, higher than 59% of Financial Services companies in United States.
How much does ChoiceOne Financial Services, Inc. owe compared with what it owns?
ChoiceOne Financial Services, Inc. owes $0.89 for every $1 it owns (high), higher than 75% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does ChoiceOne Financial Services, Inc. pay a dividend?
Yes. ChoiceOne Financial Services, Inc. pays 3.40% of its share price as dividends a year, higher than 61% of dividend-paying Financial Services companies in United States.
Is ChoiceOne Financial Services, Inc.'s revenue growing?
Revenue rose 75% in the year to Dec 2025, and grew 26% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.