Is ChoiceOne Financial Services, Inc. (COFS) Overvalued?
We dive into why ChoiceOne Financial Services, Inc. (COFS) could be considered overvalued on 2026-08-14, based on AAII’s Value Score and Grade.Rosalio Madrigal
Stock Evaluator: ChoiceOne Financial Services, Inc. (COFS)
ChoiceOne Financial Services, Inc. COFS
$32.88
-0.36
-1.08%
August 21, 2026 11:44:43 AM
EST
Volume: 19,360
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Banks |
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COMPANY SUMMARY
ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers insurance policies, such as life and health for commercial and consumer clients; and alternative investment products, which include annuities and mutual funds through a registered broker, as well as owns intellectual property for a fintech product. Further, it provides trust and wealth management services. It serves individual and business customers through its network of branches and ATMs. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
Commentary & Analysis
Why ChoiceOne Financial Services, Inc.’s (COFS) Stock Is Down 5.73%
As of Friday, July 24, ChoiceOne Financial Services, Inc.’s COFS share price has dipped by 5.73%, which has investors questioning if this is right time to buy.Michael Rose
What You Need to Know About ChoiceOne Financial Services, Inc.'s Q3 Earnings
ChoiceOne Financial Services, Inc.'s fiscal Q3 earnings report was released on Friday, July 24. Let's dive in to see if (COFS) missed or beat analyst's expectations.Michael Rose
Why ChoiceOne Financial Services, Inc.’s (COFS) Stock Is Down 7.87%
As of Friday, June 26, ChoiceOne Financial Services, Inc.’s COFS share price has dipped by 7.87%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About ChoiceOne Financial Services, Inc.'s Q2 Earnings
ChoiceOne Financial Services, Inc.'s fiscal Q2 earnings report was released on Friday, April 24. Let's dive in to see if (COFS) missed or beat analyst's expectations.Michael Rose
Financial Summary
| Share Statistics | COFS | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $497.1 | $751.0 | 37% |
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| Shares Out (Mil) | 15.0 | 15.4 | 26% |
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| Institutional Ownership | 85.4% | 83.2% | 53% |
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| Float (Mil) | 13.7 | 21.8 | 23% |
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| Beta | 0.62 | 0.43 | 36% |
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| Avg Daily Volume (000s) | 78 | 42 | 32% |
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| Price Change (52-week) |
11.2% | 94.6% | 55% |
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| Growth | COFS | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 16.0% | 7.7% | 75% |
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| Net Income (5yr) | 12.6% | 11.1% | 59% |
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| EPS (5yr) | (0.6%) | 10.1% | 30 |
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| Dividends (5yr) | 6.6% | 3.6% | 81% |
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| Cash Flow (5yr) | (17.5%) | (17.1%) | 40% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $0.927 | $3.667 | $3.740 | |
| Month Ago EPS | $0.903 | $3.607 | $3.683 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 1 | |
| Three Months Ago EPS | $0.903 | $3.603 | $3.683 | |
| Year/Year Chg | 11.7% | 82.4% | na | |
| Financials | COFS | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $170 | $196 | 31% |
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| Net Income (TTM) (Mil) | $55 | $55 | 56% |
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| EPS (TTM) | $3.647 | $2.600 | 81% |
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| Operating Cash Flow (TTM) (Mil) | $59 | $36 | 47% |
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| Net Cash Flow (TTM) (Mil) | ($68) | $2 | 17% |
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| Long-Term Debt (Q1) (Mil) | $69 | $101 | 42% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | COFS | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.03 | 1.25 | 23% |
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| P/E | 9.2 | 12.5 | 13% |
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| Dividend Yield | 3.5% | 2.2% | 88% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | COFS | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 32.2% | 29.1% | 90% |
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| ROA | 1.2% | 1.1% | 49% |
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| ROE | 12.0% | 11.3% | 63% |
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| Liabilities to Assets | 89.2% | 89.7% | 84% |
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| F-Score | 6 | 4 | 67% |
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ChoiceOne Financial Services, Inc. did not pass any screens on 8/20/2026.
