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ChoiceOne Financial Services Valuation Multiples
Discover revenue and EBITDA valuation multiples for ChoiceOne Financial Services and similar public comparables like Skjern Bank, GBank Financial Holdings, Swiss National Bank, Equity Trustees and more.
ChoiceOne Financial Services Overview
About ChoiceOne Financial Services
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
Founded
1986
HQ
Employees
392
Website
Sectors
Financials (LTM)
EV
$743M
ChoiceOne Financial Services Financials
ChoiceOne Financial Services reported last 12-month revenue of $164M.
In the same LTM period, ChoiceOne Financial Services generated $33M in net income.
Revenue (LTM)
ChoiceOne Financial Services P&L
In the most recent fiscal year, ChoiceOne Financial Services reported revenue of $92M and net income of $27M.
ChoiceOne Financial Services expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $164M | XXX | $92M | XXX | XXX | XXX |
| EBIT Margin | 41% | XXX | — | XXX | XXX | XXX |
| Net Profit | $33M | XXX | $27M | XXX | XXX | XXX |
| Net Margin | 20% | XXX | 29% | XXX | XXX | XXX |
| Net Debt | — | — | $114M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
ChoiceOne Financial Services Stock Performance
ChoiceOne Financial Services has current market cap of $429M, and enterprise value of $743M.
Market Cap Evolution
ChoiceOne Financial Services' stock price is $28.63.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $743M | $429M | 0.0% | XXX | XXX | XXX | $1.78 |
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Start Free TrialChoiceOne Financial Services Valuation Multiples
ChoiceOne Financial Services trades at 4.5x EV/Revenue multiple.
EV / Revenue (LTM)
ChoiceOne Financial Services Financial Valuation Multiples
As of March 7, 2026, ChoiceOne Financial Services has market cap of $429M and EV of $743M.
Equity research analysts estimate ChoiceOne Financial Services' 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
ChoiceOne Financial Services has a P/E ratio of 13.2x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $429M | XXX | $429M | XXX | XXX | XXX |
| EV (current) | $743M | XXX | $743M | XXX | XXX | XXX |
| EV/Revenue | 4.5x | XXX | 8.0x | XXX | XXX | XXX |
| EV/EBIT | 11.0x | XXX | — | XXX | XXX | XXX |
| P/E | 13.2x | XXX | 16.1x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 15.8x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified ChoiceOne Financial Services Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
ChoiceOne Financial Services Margins & Growth Rates
ChoiceOne Financial Services' revenue in the last 12 month grew by 8%.
ChoiceOne Financial Services' revenue per employee in the last FY averaged $0.4M, while opex per employee averaged $0.3M for the same period.
ChoiceOne Financial Services Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 8% | XXX | 75% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.4M | XXX | XXX | XXX |
| Opex per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 38% | XXX | XXX | XXX |
| Opex to Revenue | 64% | XXX | — | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
ChoiceOne Financial Services Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Skjern Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| GBank Financial Holdings | XXX | XXX | XXX | XXX | XXX | XXX |
| Swiss National Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Equity Trustees | XXX | XXX | XXX | XXX | XXX | XXX |
| Colony Bankcorp | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
ChoiceOne Financial Services M&A Activity
ChoiceOne Financial Services acquired XXX companies to date.
Last acquisition by ChoiceOne Financial Services was on XXXXXXXX, XXXXX. ChoiceOne Financial Services acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by ChoiceOne Financial Services
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialChoiceOne Financial Services Investment Activity
ChoiceOne Financial Services invested in XXX companies to date.
ChoiceOne Financial Services made its latest investment on XXXXXXXX, XXXXX. ChoiceOne Financial Services invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by ChoiceOne Financial Services
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout ChoiceOne Financial Services
| When was ChoiceOne Financial Services founded? | ChoiceOne Financial Services was founded in 1986. |
| Where is ChoiceOne Financial Services headquartered? | ChoiceOne Financial Services is headquartered in United States. |
| How many employees does ChoiceOne Financial Services have? | As of today, ChoiceOne Financial Services has over 392 employees. |
| Who is the CEO of ChoiceOne Financial Services? | ChoiceOne Financial Services' CEO is Kelly J. Potes. |
| Is ChoiceOne Financial Services publicly listed? | Yes, ChoiceOne Financial Services is a public company listed on Nasdaq. |
| What is the stock symbol of ChoiceOne Financial Services? | ChoiceOne Financial Services trades under COFS ticker. |
| When did ChoiceOne Financial Services go public? | ChoiceOne Financial Services went public in 2001. |
| Who are competitors of ChoiceOne Financial Services? | ChoiceOne Financial Services main competitors are Skjern Bank, GBank Financial Holdings, Swiss National Bank, Equity Trustees. |
| What is the current market cap of ChoiceOne Financial Services? | ChoiceOne Financial Services' current market cap is $429M. |
| What is the current revenue of ChoiceOne Financial Services? | ChoiceOne Financial Services' last 12 months revenue is $164M. |
| What is the current revenue growth of ChoiceOne Financial Services? | ChoiceOne Financial Services revenue growth (NTM/LTM) is 8%. |
| What is the current EV/Revenue multiple of ChoiceOne Financial Services? | Current revenue multiple of ChoiceOne Financial Services is 4.5x. |
| Is ChoiceOne Financial Services profitable? | Yes, ChoiceOne Financial Services is net-income-positive (as of the last 12 months). |
| What is the current net income of ChoiceOne Financial Services? | ChoiceOne Financial Services' last 12 months net income is $33M. |
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