ChoiceOne Financial Services, Inc

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Key Data

Current price	$22.71
Sector	Financial Services
Industry	Banks - Regional
Today's High/Low	$23.5897/$22.02
Volume	7,530.00
Previous Close	$22.19
52 Week High/Low	$31.8128/$15.5395
Market Cap	171,526,800.00
P/E Ratio	8.0532
Forward P/E 1 Yr.	$7.63
Earnings Per Share(EPS)	$2.98
Annualized Dividend	$0.0488

$22.71

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan.
The company offers various deposit products, including time, savings, 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 32 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.

Annual Data \| Millions of US $ except per share data	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31
Cash on hand	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Receivables	-	-	-	-	$0	-	-	-	-	-	-	-
Inventory	$0.93	$0.10	$0.11	$0.44	$0.03	$2.32	$1.44	$3.89	$3.20	$3.56	$2.52	$4.01
Pre-Paid Expenses	-	-	-	-	-	-	-	-	-	-	-	-
Other Current Assets	$4	$1.61	$2.53	$2.60	$6.06	$2.58	-	-	-	-	-	-
Total Current Assets	$62.62	$20.62	$38.66	$17.22	$16.18	$18.97	-	-	-	-	-	-
Property, Plant, And Equipment	$24.27	$15.88	$12.86	$12.59	$11.85	$11.80	$12	$12.12	$12.08	$12.53	$11.92	$11.75
Long-Term Investments	$342.43	$169.45	$155.59	$174.39	$161.75	$144.43	-	-	-	-	-	-
Goodwill And Intangible Assets	$52.87	$13.73	$13.73	$13.73	$13.73	$13.73	$13.73	$13.73	$13.73	$13.73	$13.73	$13.73
Other Long-Term Assets	$891.32	$447.82	$422.80	$386.76	$363.49	$18.50	$15.49	$18.45	$17.87	$20.04	$19.58	$18.48
Total Long-Term Assets	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Total Assets	$1,386.13	$670.54	$646.54	$607.37	$567.75	$549.64	$514.58	$508.91	$495.91	$480.52	$465.92	$463.55
Total Current Liabilities	$1,154.60	$586.85	$567	$532.30	$495.28	$479.69	-	-	-	-	-	-
Long Term Debt	$33.20	$5.23	$20.27	$12.30	$0.33	$0.33	$0.36	$0.39	$3.42	$8.45	$13.47	$26.98
Other Non-Current Liabilities	$5.70	$3.02	$2.73	$3.07	$2.29	$3.52	$2.47	$4.22	$4.33	$5.61	$5.32	$5.63
Total Long Term Liabilities	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Total Liabilities	$1,193.99	$590.07	$569.99	$535.67	$497.90	$483.45	$453.02	$448.41	$438.01	$426.21	$412.99	$411.37
Common Stock Net	$162.61	$54.52	$50.29	$46.30	$46.50	$46.55	$46.60	$46.65	$46.60	$46.46	$46.33	$46.17
Retained Earnings (Accumulated Deficit)	$28.05	$26.69	$26.02	$26	$22.14	$19.64	$14.96	$13.86	$11.30	$7.85	$6.60	$6.01
Comprehensive Income	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Other Share Holders Equity	$1.48	$-0.73	$0.24	$-0.60	$1.20	$1.07	-	-	-	-	-	-
Share Holder Equity	$192.14	$80.48	$76.55	$71.70	$69.84	$66.19	$61.56	$60.51	$57.90	$54.31	$52.93	$52.19
Total Liabilities And Share Holders Equity	-	$0	$0	$0	$0	-	-	-	-	-	-	-

Annual Data \| Millions of US $ except per share data	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31
Revenue	$36.94	$28.98	$27.47	$27.22	$25.96	$25.82	$25.42	$27.11	$27.61	$27.53	$28.51	$30.62
Cost Of Goods Sold	-	$0	$0	$0	$0	$1.25	$1.72	$5.06	$7.25	$8.92	$11.97	$14.68
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-
Research And Development Expenses	-	$0	$0	$0	$0	-	-	-	-	-	-	-
SG&A Expenses	$18.59	$14.10	$13.43	$13.10	$15.63	$10.85	$10.58	$10.13	$9.60	$9.20	$9.13	$9.30
Other Operating Income Or Expenses	$2.86	$2.29	$1.85	$1.97	$1.91	$1.70	-	-	-	-	-	-
Operating Expenses	$28.43	$20.28	$19.13	$18.36	$17.54	$16.01	-	-	-	-	-	-
Operating Income	$8.47	$8.67	$8.76	$8.87	$8.42	$11.24	$10.55	$9.45	$8.52	$7.34	$5.34	$4.80
Total Non-Operating Income/Expense	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Pre-Tax Income	$8.47	$8.49	$8.56	$8.25	$7.69	$7.77	$6.88	$5.61	$4.57	$3.37	$1.28	$1.23
Income Taxes	$1.29	$1.16	$2.39	$2.16	$1.95	$2.08	$1.78	$1.34	$1.06	$0.65	-	-
Income After Taxes	$1.29	$1.16	$2.39	$2.16	$1.95	$2.08	$1.78	$1.34	$1.06	$0.65	-	-
Other Income	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Income From Continuous Operations	$7.17	$7.33	$6.17	$6.09	$5.74	$5.70	-	-	-	-	-	-
Income From Discontinued Operations	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Net Income	$7.17	$7.33	$6.17	$6.09	$5.74	$5.70	$5.09	$4.26	$3.51	$2.71	$1.48	$1.44
EBITDA	-	$0	$0	$0	$0	-	-	-	-	-	-	-
EBIT	$8.47	$8.67	$8.76	$8.87	$8.42	$11.24	$10.55	$9.45	$8.52	$7.34	$5.34	$4.80
Basic Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-
Shares Outstanding	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Basic EPS	-	-	-	-	-	-	-	-	-	-	-	-
EPS - Earnings Per Share	-	-	-	-	-	-	-	-	-	-	-	-

Annual Data \| Millions of US $ except per share data	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31
Net Income/Loss	$7.17	$7.33	$6.17	$6.09	$5.74	$5.70	$5.09	$4.26	$3.51	$2.71	$1.48	$1.44
Total Depreciation And Amortization - Cash Flow	$3.13	$2.08	$2.45	$2.61	$2.48	$2.48	-	-	-	-	-	-
Change In Accounts Receivable	-	$0	$0	$0	$0	-	-	-	-	-	-	-
Change In Inventories	-	$0	$0	$0	$0	-	$2.30	$0.73	$0.93	-	$0.39	-
Cash Flow From Operating Activities	$9.20	$9.96	$8.09	$10.93	$3.98	$7.47	$10.36	$9.64	$12.55	$9.23	$9.24	$7.23
Cash Flow From Investing Activities	$36.35	$-43.86	$-18.30	$-41.48	$-22.66	$-38.67	-	-	-	-	-	-
Debt Issuance/Retirement Net - Total	$-3.64	$-17.38	$7.20	$-0.58	$-24.31	$12.68	-	-	-	-	-	-
Total Common And Preferred Stock Dividends Paid	$-5.82	$-2.58	$-2.32	$-2.23	$-2.17	$-1.95	$-1.78	$-1.65	$-1.58	$-1.57	$-1.56	$-2.20
Financial Activities - Other	$3.69	$37.16	$27.47	$37.69	$39.87	$16.70	-	$20.83	$13.48	$24.87	$18.01	-
Cash Flow From Financial Activities	$-5.69	$16.75	$32.24	$34.17	$13.22	$27.37	$4.52	$8.91	$11.62	$11.47	$0.47	-
Net Cash Flow	$39.87	$-17.15	$22.03	$3.62	$-5.46	$-3.83	-	-	-	-	-	-
Common Stock Dividends Paid	$-5.82	$-2.58	$-2.32	$-2.23	$-2.17	$-1.95	$-1.78	$-1.65	$-1.58	$-1.57	$-1.56	$-2.20