Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
ChoiceOne Financial Services, Inc.'s quarterly P/E stands at 7.7x.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 16.26 | 7.73 | 8.02 | 7.46 | 7.97 | — | 10.61 | 9.09 | 8.23 | 9.24 | 10.46 | 7.22 | 8.33 |
| — | — | -24.4% | -17.9% | -3.2% | — | +1.4% | +25.9% | -1.2% | +9.8% | +28.5% | +2.4% | +24.1% | |
| P/S Ratio | 2.54 | 1.79 | 1.84 | 1.77 | 1.79 | 1.72 | 2.11 | 1.81 | 1.60 | 1.60 | 1.73 | 1.24 | 1.62 |
| — | +4.1% | -13.0% | -1.9% | +11.5% | +7.6% | +22.1% | +45.9% | -1.2% | -15.8% | -22.5% | -32.3% | -9.6% | |
| P/B Ratio | 0.98 | 0.90 | 0.96 | 0.97 | 1.00 | 0.72 | 1.17 | 1.07 | 1.02 | 1.01 | 1.13 | 0.82 | 0.97 |
| — | +24.6% | -18.3% | -8.6% | -1.6% | -28.0% | +3.3% | +29.9% | +4.8% | -11.0% | -12.2% | -21.3% | +6.6% | |
| P/FCF | 34.89 | — | 9.33 | 8.00 | 15.67 | — | 3.26 | — | 3.57 | 3.46 | — | 1.20 | 2.93 |
| — | — | +186.2% | — | +338.9% | — | — | — | +21.8% | -40.8% | — | -73.0% | +49.9% | |
| EV / EBITDA | 13.22 | 6.63 | 7.58 | 6.14 | 5.91 | — | 8.75 | 7.37 | 8.10 | 7.66 | 10.54 | 5.87 | 7.82 |
| — | — | -13.3% | -16.6% | -27.0% | — | -17.0% | +25.6% | +3.5% | +17.0% | +77.4% | +62.6% | +105.9% | |
| EV / EBIT | 20.91 | 8.59 | 9.98 | 7.99 | 7.83 | — | 11.89 | 9.82 | 11.08 | 11.08 | 15.57 | 8.84 | 11.69 |
| — | — | -16.1% | -18.6% | -29.4% | — | -23.6% | +11.0% | -5.1% | +15.5% | +86.3% | +65.3% | +100.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
ChoiceOne Financial Services, Inc.'s operating margin was 28.2% in Q1 2026, up 0.5 pp QoQ and up 67.4 pp YoY. Gross margin expanded 78.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 58.2% | 71.9% | 69.7% | 72.0% | 69.8% | 40.3% | 67.0% | 67.5% | 66.0% | 63.2% | 63.2% | 66.4% | 74.0% |
| — | +78.5% | +4.0% | +6.6% | +5.8% | -36.3% | +6.0% | +1.7% | -10.8% | -23.3% | -26.5% | -26.9% | -20.9% | |
| Operating Margin | 17.7% | 28.2% | 27.8% | 29.6% | 27.6% | -39.2% | 24.4% | 25.4% | 24.0% | 21.1% | 20.1% | 20.7% | 23.3% |
| — | +172.0% | +13.7% | +16.8% | +14.8% | -286.2% | +21.2% | +22.7% | +3.0% | -20.8% | -36.6% | -32.8% | -25.0% | |
| Net Margin | 14.6% | 23.2% | 22.9% | 23.7% | 22.4% | -31.0% | 19.9% | 20.1% | 19.4% | 17.3% | 16.5% | 17.1% | 19.5% |
| — | +174.9% | +15.4% | +18.1% | +15.7% | -278.6% | +20.1% | +17.8% | -0.5% | -22.8% | -39.7% | -34.4% | -26.9% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.8% | 2.9% | 3.0% | 3.3% | 3.2% | -4.0% | 2.8% | 3.2% | 3.1% | 2.8% | 2.8% | 2.8% | 3.0% |
| — | +172.4% | +7.6% | +4.8% | +0.8% | -244.5% | +0.3% | +11.8% | +4.3% | -16.1% | -31.6% | -21.0% | -4.6% | |
| ROA | 0.8% | 0.3% | 0.3% | 0.3% | 0.3% | -0.4% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% |
| — | +178.7% | +21.2% | +24.2% | +26.3% | -284.3% | +27.9% | +35.7% | +16.8% | -8.6% | -27.0% | -17.7% | -10.1% | |
| ROIC | 4.1% | 1.7% | 1.7% | 2.0% | 1.9% | -2.4% | 1.4% | 1.5% | 1.3% | 1.2% | 1.2% | 1.2% | 1.4% |
| — | +169.3% | +24.8% | +37.1% | +44.1% | -309.7% | +17.1% | +20.9% | -4.9% | -36.9% | -55.2% | -53.1% | -37.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
ChoiceOne Financial Services, Inc.'s Debt/EBITDA ratio is 10.8x, down from 14.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1159.1% YoY to 0.52x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.67 | 0.50 | 0.67 | 0.55 | 0.57 | 0.43 | 0.81 | 0.99 | 1.15 | 1.19 | 1.20 | 1.19 | 1.09 |
| — | +14.3% | -16.8% | -44.7% | -50.1% | -63.4% | -32.8% | -16.6% | +5.0% | +66.5% | +138.4% | +429.3% | +330.6% | |
| Debt / EBITDA | 5.80 | 10.80 | 14.18 | 10.34 | 11.17 | — | 17.62 | 19.88 | 21.94 | 24.79 | 24.71 | 23.04 | 20.91 |
| — | — | -19.5% | -48.0% | -49.1% | — | -28.7% | -13.7% | +4.9% | +101.4% | +216.1% | +567.2% | +400.1% | |
| Current Ratio | 0.06 | 0.52 | 0.06 | 0.03 | 0.05 | 0.04 | 0.24 | 0.27 | 0.26 | 0.30 | 0.27 | 0.30 | 0.29 |
| — | +1159.1% | -76.2% | -88.9% | -82.0% | -86.2% | -8.7% | -10.0% | -10.7% | +6.8% | +0.6% | +10.5% | +1.0% | |
| Quick Ratio | 0.06 | 0.52 | 0.06 | 0.03 | 0.05 | 0.04 | 0.24 | 0.27 | 0.26 | 0.30 | 0.27 | 0.30 | 0.29 |
| — | +1159.1% | -76.2% | -88.9% | -82.0% | -86.2% | -8.7% | -10.0% | -10.7% | +6.8% | +0.6% | +10.5% | +1.0% | |
| Interest Coverage | 0.52 | 1.00 | 0.96 | 1.07 | 0.95 | -1.29 | 0.75 | 0.81 | 0.71 | 0.57 | 0.57 | 0.62 | 0.87 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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ChoiceOne Financial Services, Inc.'s current P/E is 16.3x. The average P/E over the last 4 quarters is 7.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
ChoiceOne Financial Services, Inc.'s current operating margin is 17.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking ChoiceOne Financial Services, Inc.'s business trajectory between earnings reports.