Fundamental Analysis of ChoiceOne Fin Services Inc. - Growth / Value Index
COFS - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.0194
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 8.78 | 8.79 | 12.17 % | |
| Price to Book | 1.00 | 0.955 | -12.92 % | 0.909 |
| Price to Sales | 1.80 | 1.64 | -28.06 % | |
| Enterprise Value to EBITDA Multiple | 23.34 | 678.68 | 8870.66 % |
COFS - Profitability Highlights
Profitability Analysis
Earning Yield of 9.97 %
Company Earning excess return
All key Trailing Twelve Months Margin growing by 15 %
Piotroski F Score - Stable Value of 4.0
Reasonable Dividend Yield of 3.96 %
Steady Growth in EPS for last four quarters
Good Return on Equity of 11.41% is achieved by the company
Good Net Margin of 20.49% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 11.41 | 10.87 | -22.37 % | 2.72 |
| Return On Asset | 0.836 | 0.825 | -16.72 % | 0.211 |
| Net Profit Margin | 20.49 | 18.63 | -35.87 % | 17.36 |
| Operating Profit Margin | 25.95 | -2.17 | -106.39 % | 22.86 |
| EBITDA Margin | 26.76 | 0.837 | -98.14 % | -1.78 |
Highlights
| Market Cap | 186854 K |
| Enterprise Value | 648108 K |
| Price/Book TTM | 1.00 |
| Outstanding Share | 7571.11 K |
| Float/ Outstanding Share | 88.56% |
| Dividend Yield | 4.17 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.610 |
| Peter Lynch Ratio | -1.23 |
| Piotroski F Score | 4.00 |
| Altman Z Score | 0.128 |
| Sloan Ratio | 0.0075 |
| Peter Lynch Fair Value | 0 |
COFS - Growth Highlights
Growth Analysis
Short term positive trend in total sale and net profit
STRONG JUMP IN NET SALE : YoY growth
Annual sales of the company is increased for three years in a row
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 34.14
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 103752 K | 40.24 % | 2.04 % |
| Gross Profit | 103752 K | 40.24 % | 2.04 % |
| EBITDA | 27763.00 K | 97.39 % | 384.73 % |
| Net Profit | 21262.00 K | 10.06 % | 6.44 % |
| EPS | 2.81 | 10.85 % | NA |
COFS - Stability Highlights
Stability Analysis
Tsr Stability Index - Very Poor Score of 7.14
Altman Z Score of 0.135 suggest high risk
Company has high debt burden
Interest Coverage of 0
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 2.07 | 158.99 % | 1.19 |
| Cash Ratio | -0.101 | -136.29 % | |
| Quick Ratio | 0 | 0 % | 0.299 |
| Shareholders Equity | 7.59 | 7.27 % | |
| Debt to EBITDA | 424.94 | 11384.86 % |
Historical Valuation Ratios of ChoiceOne Fin Services Inc.
Historical Valuation Ratios
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Historical Profitability Ratios of ChoiceOne Fin Services Inc.
Historical Profitability Ratios
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Historical Efficiency Ratios of ChoiceOne Fin Services Inc.
Historical Efficiency Ratios
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Historical Solvency Ratios of ChoiceOne Fin Services Inc.
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)