ChoiceOne Financial Services Inc

NAS:COFSFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$33.39+1.67%At closeAt close · Wed 21 Oct · ≈ AED 122.62 · Market cap $499.36M · Next earnings Fri 23 Oct · Extended $33.13 −0.78%

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	89.0%	94.8%	91.0%	70.8%	66.0%	58.2%	—	—
Operating margin	24.1%	31.6%	31.0%	22.4%	23.8%	17.7%	17.7%	+0.0 pts
Net margin	19.9%	26.3%	26.5%	18.7%	19.2%	14.6%	14.6%	+0.0 pts
EBITDA margin	33.9%	46.4%	46.0%	33.4%	32.7%	28.0%	—	—
Return on equity	6.9%	9.9%	14.0%	10.9%	10.3%	6.1%	6.1%	+0.0 pts
Return on assets	0.8%	0.9%	1.0%	0.8%	1.0%	0.6%	0.6%	+0.0 pts
Return on capital employed	7.7%	10.0%	12.7%	5.9%	9.3%	6.0%	—	—
Debt / equity	0.1×	0.4×	0.5×	1.2×	0.8×	0.7×	0.7×	+0.0%
Debt / assets	0.6%	3.6%	3.6%	9.1%	7.7%	7.1%	—	—
Interest coverage	4.1×	6.7×	3.6×	0.8×	0.7×	0.5×	—	—
Current ratio	0.4×	0.5×	0.3×	0.3×	0.2×	0.1×	0.1×	+0.0%
Quick ratio	0.4×	0.5×	0.3×	0.3×	0.2×	0.1×	—	—
Cash ratio	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.1×	0.0×	—	—
Dividend payout	39.5%	32.7%	32.1%	37.2%	33.7%	60.2%	—	—