COFS Relative Valuation
COFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, COFS is overvalued; if below, it's undervalued.
Historical Valuation
ChoiceOne Financial Services Inc (COFS) is now in the Fair zone, suggesting that its current forward PE ratio of 8.21 is considered Fairly compared with the five-year average of 5.26. The fair price of ChoiceOne Financial Services Inc (COFS) is between 9.94 to 34.01 according to relative valuation methord.
Relative Value
Fair Zone
9.94-34.01
Current Price：28.66
Fair
8.21
PE
1Y
3Y
5Y
0.00
EV/EBITDA
ChoiceOne Financial Services Inc. (COFS) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
ChoiceOne Financial Services Inc. (COFS) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
2.48
PS
ChoiceOne Financial Services Inc. (COFS) has a current PS of 2.48. The 5-year average PS is 0.47. The thresholds are as follows: Strongly Undervalued below -1.44, Undervalued between -1.44 and -0.49, Fairly Valued between 1.42 and -0.49, Overvalued between 1.42 and 2.37, and Strongly Overvalued above 2.37. The current Forward PS of 2.48 falls within the Strongly Overvalued range.
0.00
P/OCF
ChoiceOne Financial Services Inc. (COFS) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
ChoiceOne Financial Services Inc. (COFS) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
ChoiceOne Financial Services Inc (COFS) has a current Price-to-Book (P/B) ratio of 0.97. Compared to its 3-year average P/B ratio of 1.05 , the current P/B ratio is approximately -7.42% higher. Relative to its 5-year average P/B ratio of 0.99, the current P/B ratio is about -2.72% higher. ChoiceOne Financial Services Inc (COFS) has a Forward Free Cash Flow (FCF) yield of approximately 8.63%. Compared to its 3-year average FCF yield of 17.82%, the current FCF yield is approximately -51.56% lower. Relative to its 5-year average FCF yield of 17.75% , the current FCF yield is about -51.38% lower.
0.97
P/B
Median3y
1.05
Median5y
0.99
8.63
FCF Yield
Median3y
17.82
Median5y
17.75
Competitors Valuation Multiple
The average P/S ratio for COFS's competitors is 2.62, providing a benchmark for relative valuation. ChoiceOne Financial Services Inc Corp (COFS) exhibits a P/S ratio of 2.48, which is -5.21% above the industry average. Given its robust revenue growth of 84.97%, this premium appears sustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of COFS decreased by 14.80% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 21.62M to 39.99M.
The secondary factor is the Margin Expansion, contributed 8.00%to the performance.
Overall, the performance of COFS in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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Frequently Asked Questions
Is ChoiceOne Financial Services Inc (COFS) currently overvalued or undervalued?
ChoiceOne Financial Services Inc (COFS) is now in the Fair zone, suggesting that its current forward PE ratio of 8.21 is considered Fairly compared with the five-year average of 5.26. The fair price of ChoiceOne Financial Services Inc (COFS) is between 9.94 to 34.01 according to relative valuation methord.
What is ChoiceOne Financial Services Inc (COFS) fair value?
COFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of ChoiceOne Financial Services Inc (COFS) is between 9.94 to 34.01 according to relative valuation methord.
How does COFS's valuation metrics compare to the industry average?
The average P/S ratio for COFS's competitors is 2.62, providing a benchmark for relative valuation. ChoiceOne Financial Services Inc Corp (COFS) exhibits a P/S ratio of 2.48, which is -5.21% above the industry average. Given its robust revenue growth of 84.97%, this premium appears sustainable.
What is the current P/B ratio for ChoiceOne Financial Services Inc (COFS) as of Jan 08 2026?
As of Jan 08 2026, ChoiceOne Financial Services Inc (COFS) has a P/B ratio of 0.97. This indicates that the market values COFS at 0.97 times its book value.
What is the current FCF Yield for ChoiceOne Financial Services Inc (COFS) as of Jan 08 2026?
As of Jan 08 2026, ChoiceOne Financial Services Inc (COFS) has a FCF Yield of 8.63%. This means that for every dollar of ChoiceOne Financial Services Inc’s market capitalization, the company generates 8.63 cents in free cash flow.
What is the current Forward P/E ratio for ChoiceOne Financial Services Inc (COFS) as of Jan 08 2026?
As of Jan 08 2026, ChoiceOne Financial Services Inc (COFS) has a Forward P/E ratio of 8.21. This means the market is willing to pay $8.21 for every dollar of ChoiceOne Financial Services Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for ChoiceOne Financial Services Inc (COFS) as of Jan 08 2026?
As of Jan 08 2026, ChoiceOne Financial Services Inc (COFS) has a Forward P/S ratio of 2.48. This means the market is valuing COFS at $2.48 for every dollar of expected revenue over the next 12 months.