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.

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	17.4%-11.5pp	28.9%+2.6pp	26.3%-2.7pp	29%+1.4pp
Free cash flow margin	15.6%—	——	——	53%+9.3pp
Returns
Return on equity	7.8%-4.0pp	11.7%-0.2pp	11.9%-0.4pp	12.4%+2.5pp
Return on assets	0.8%-0.2pp	1%+0.2pp	0.9%-0.1pp	1%0.0pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0×0.0×	0×0.0×	0×—	——
Debt-to-assets	0×0.0×	0×0.0×	0×—	——
Valuation
Market capitalization	$490.73M+17.4%	$319.25M+44.1%	$221.55M+1.7%	$217.79M+9.7%
Enterprise value	$358.37M+60.6%	$223.12M+33.7%	$166.83M—	——
Price / earnings	8.8×-49.4×	11.9×+1.5×	10.4×+1.2×	9.2×+0.2×
Price / sales	2.8×-1.2×	3.5×+0.7×	2.7×+0.1×	2.7×+0.2×
Price / book	1×+0.1×	1.2×+0.1×	1.1×-0.2×	1.4×+0.5×
EV / sales	2.2×-0.2×	2.4×+0.3×	2.1×—	——
Free cash flow yield	6.9%—	——	——	19.8%+2.2pp
Earnings yield	11.4%+9.6pp	8.4%-1.2pp	9.6%-1.3pp	10.9%-0.2pp
Dividend yield	3.5%+0.8pp	2.8%-0.7pp	3.6%+0.1pp	3.5%-0.1pp
PEG ratio	0×—	0.5×—	——	1.3×+1.1×

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about ChoiceOne Financial.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

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.