ChoiceOne Financial Servs - Public Comps and Valuation Multiples

ChoiceOne Financial Servs Overview

About ChoiceOne Financial Servs

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

choiceone.com

Sectors

Commercial Banking

Financials

LTM Revenue $156M

Last FY EBITDA n/a

EV

$693M

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ChoiceOne Financial Servs Financials

As of October 2025, ChoiceOne Financial Servs reported last 12-month revenue of $156M.

In the same period, ChoiceOne Financial Servs achieved $27.8M in LTM net income.

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ChoiceOne Financial Servs P&L

In the most recent fiscal year, ChoiceOne Financial Servs reported revenue of $92.4M.

ChoiceOne Financial Servs expects next 12-month revenue of XXX and NTM EBITDA of XXX

See ChoiceOne Financial Servs valuation multiples based on analyst estimates

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$156M	XXX	$92.4M	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBIT	$64.0M	XXX	n/a	XXX	XXX	XXX
EBIT Margin	41%	XXX	n/a	XXX	XXX	XXX
Net Profit	$27.8M	XXX	$26.7M	XXX	XXX	XXX
Net Margin	18%	XXX	29%	XXX	XXX	XXX
Net Debt	XXX	XXX	$114M	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for ChoiceOne Financial Servs including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $156M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$156M	Analyst estimates available to subscribers	$92.4M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	n/a	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$64.0M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	41.1% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$27.8M	Analyst estimates available to subscribers	$26.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	17.8% net profit margin	Analyst estimates available to subscribers	28.9% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$114M	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for ChoiceOne Financial Servs

This financial data table provides comprehensive performance metrics for ChoiceOne Financial Servs, a company based in United States of America. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

ChoiceOne Financial Servs generated $156M in revenue over the last twelve months.
Net income over the last twelve months reached $27.8M.

Fiscal Year Performance

In the most recent fiscal year, ChoiceOne Financial Servs reported $92.4M in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 28.9% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for ChoiceOne Financial Servs. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

ChoiceOne Financial Servs Stock Performance

ChoiceOne Financial Servs has current market cap of $447M, and EV of $693M.

Market Cap Evolution

ChoiceOne Financial Servs Stock Data

As of November 25, 2025, ChoiceOne Financial Servs's stock price is $30.

See ChoiceOne Financial Servs trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$693M	$447M	XXX	XXX	XXX	XXX	$3.59

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ChoiceOne Financial Servs Valuation Multiples

ChoiceOne Financial Servs's trades at 7.5x EV/Revenue multiple, and n/a EV/EBITDA.

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ChoiceOne Financial Servs Financial Valuation Multiples

As of November 25, 2025, ChoiceOne Financial Servs has market cap of $447M and EV of $693M.

Equity research analysts estimate ChoiceOne Financial Servs's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

ChoiceOne Financial Servs has a P/E ratio of 16.1x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$447M	XXX	$447M	XXX	XXX	XXX
EV (current)	$693M	XXX	$693M	XXX	XXX	XXX
EV/Revenue	4.5x	XXX	7.5x	XXX	XXX	XXX
EV/EBITDA	n/a	XXX	n/a	XXX	XXX	XXX
EV/EBIT	10.8x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	16.1x	XXX	16.7x	XXX	XXX	XXX
EV/FCF	n/a	XXX	14.8x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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ChoiceOne Financial Servs Margins & Growth Rates

ChoiceOne Financial Servs's last 12 month revenue growth is 12%

ChoiceOne Financial Servs's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.

ChoiceOne Financial Servs's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

ChoiceOne Financial Servs's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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ChoiceOne Financial Servs Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	12%	XXX	38%	XXX	XXX	XXX
EBITDA Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	n/a	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	n/a	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.2M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	n/a	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	n/a	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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