Where do ChoiceOne Financial's ratios come from?

Every ratio is computed from ChoiceOne Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	32.3%+14.8pp	17.4%+2.4pp	15%+3.6pp	11.4%+4.5pp	7%-21.9pp
Free cash flow margin	19.5%+3.9pp	15.6%-9.6pp	25.1%—	——	——
Returns
Return on equity	12.4%+4.7pp	7.8%+1.6pp	6.2%+1.8pp	4.4%+2.1pp	2.3%-9.5pp
Return on assets	1.3%+0.5pp	0.8%+0.2pp	0.6%+0.2pp	0.4%+0.2pp	0.2%-0.8pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Valuation
Market capitalization	$490.73M+17.4%	$443.5M+2.0%	$434.83M-0.4%	$436.49M+0.9%	$432.63M+35.5%
Price / earnings	8.8×-49.4×	15.7×-4.5×	20.3×-10.6×	30.9×-29.3×	60.2×+48.3×
Price / sales	2.8×-1.2×	2.7×-0.3×	3×-0.5×	3.5×-0.7×	4.2×+0.7×
Price / book	1×+0.1×	1×0.0×	1×0.0×	1×0.0×	1×-0.2×
Free cash flow yield	6.9%—	5.7%-2.6pp	8.3%—	——	——
Earnings yield	11.4%+9.6pp	6.4%+1.4pp	4.9%+1.7pp	3.2%+1.6pp	1.7%-6.7pp
Dividend yield	3.5%+0.8pp	3.8%+0.3pp	3.5%+0.4pp	3.1%+0.5pp	2.6%-0.2pp
PEG ratio	0×—	2.9×—	——	——	——

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Where do ChoiceOne Financial's ratios come from?: Every ratio is computed from ChoiceOne Financial's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.