Choiceone Financial Services Ratios (2024-2025) | COFS

Ratios Mar2024 Jun2024 Sep2024 Dec2024 Mar2025 Jun2025 Sep2025 Dec2025
Profitability
EBT Margin (Quarter) 230.73%257.92%276.72%267.04%-481.66%345.97%346.75%320.50%
EBIT Margin (Quarter) 634.03%623.00%618.17%621.79%-108.05%711.33%670.33%655.29%
EBITDA Margin (Quarter) 634.03%623.00%618.17%621.79%-108.05%711.33%670.33%655.29%
Net Margin (Quarter) 190.02%207.76%219.28%217.27%-380.67%280.90%277.79%264.74%
FCF Margin (Quarter) 506.00%506.21%-219.52%658.00%-200.03%203.09%289.39%141.56%
Efficiency
Assets Average (Quarter) 2,670.70M2,696.97M2,723.24M3,514.32M4,307.82M4,303.58M4,353.73M
Equity Average (Quarter) 210.64M231.13M254.08M343.74M429.41M440.69M457.48M
Invested Capital (Quarter) 416.76M424.52M457.75M435.42M564.40M630.19M647.37M730.14M
Asset Utilization Ratio (Quarter) 0.000.000.000.000.00
Leverage & Solvency
Interest Coverage Ratio (Quarter) 1.571.711.811.75-0.291.952.071.96
Debt to Equity (Quarter) 0.170.170.140.140.110.110.110.10
Debt Ratio (Quarter) 0.010.010.010.010.010.010.010.01
Equity Ratio (Quarter) 0.080.080.090.100.100.100.100.11
Times Interest Earned (Quarter) 1.571.711.811.75-0.291.952.071.96
Dividends & Payouts
FCF Payout Ratio (Quarter) 0.140.13-0.330.12-0.570.430.270.59
Valuation
Enterprise Value (Quarter) -157.69M-658.31M-153.75M-104.53M-685.62M-165.86M-108.48M-97.34M
Return Ratios
Return on Sales (Quarter) 1.90%2.08%2.19%2.17%-3.81%2.81%2.78%2.65%
Return on Invested Capital (Quarter) 0.14%0.09%0.10%0.11%0.12%
Return on Assets (Quarter) 0.01%0.00%0.00%0.00%0.01%
Return on Equity (Quarter) 0.11%0.02%0.03%0.05%0.06%