ChoiceOne Financial Services, Inc. cash flow to debt ratio of 10.15% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

ChoiceOne Financial Services, Inc.'s free cash flow has decreased -46.34% from $46.94M last year to $25.19M, signaling decreasing performance

ChoiceOne Financial Services, Inc.'s debt to equity ratio is 0.50, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.

ChoiceOne Financial Services, Inc.'s debt has decreased relative to shareholder equity from 0.81 last year to 0.50 today, signaling strengthened financials

ChoiceOne Financial Services, Inc. has a net debt to EBITDA ratio of 4.17x, which exceeds the 3.00x threshold, indicating high leverage and potential financial risk

ChoiceOne Financial Services, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

ChoiceOne Financial Services, Inc.'s profit margin has increased (20.06%) in the last year from 19.21% to 23.07%, signaling increasing performance

ChoiceOne Financial Services, Inc.'s short-term liabilities of $3.85G exceed its short-term assets of $222.26M, signaling financial risk

ChoiceOne Financial Services, Inc.'s return on assets of 1.27% is lower than the 5.00% threshold, indicating inefficient asset utilization

ChoiceOne Financial Services, Inc.'s return on equity of 12.28%, is lower than 15.00%, indicating bad performance

ChoiceOne Financial Services, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

ChoiceOne Financial Services, Inc. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings

ChoiceOne Financial Services, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

ChoiceOne Financial Services, Inc. has a free cash flow yield of 5.12%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

ChoiceOne Financial Services, Inc.'s yearly earnings has increased 5.42% since last year from $26.73M to $28.18M, signaling increasing performance

ChoiceOne Financial Services, Inc.'s yearly revenue has increased 45.91% since last year from $139.10M to $202.96M, signaling increasing performance

ROIC 1.27% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

ChoiceOne Financial Services, Inc.'s 3-year revenue CAGR of 29.35% is positive, indicating growing revenue over the past 3 years

ChoiceOne Financial Services, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance

ChoiceOne Financial Services, Inc. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity

ChoiceOne Financial Services, Inc. is overvalued relative to its fair value price of 13.08 based on Discounted Cash Flow model

ChoiceOne Financial Services, Inc. has an earnings yield of 11.30%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

ChoiceOne Financial Services, Inc. is overvalued relative to its fair value price of 0.75 based on EBITDA multiple model

ChoiceOne Financial Services, Inc. has an EV/EBITDA ratio of 7.16x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

ChoiceOne Financial Services, Inc. is undervalued relative to its fair value price of 66.81 based on Earnings Fair Value model

ChoiceOne Financial Services, Inc. has a PEG-ratio under 1 which is considered undervalued

ChoiceOne Financial Services, Inc. has a price-to-book ratio of 1.05x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

ChoiceOne Financial Services, Inc. has a price-to-sales ratio of 2.04x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue