COFS PE Ratio & Valuation,Is COFS Overvalued

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 9.03 is considered Fairly compared with the five-year average of 5.16. The fair price of ChoiceOne Financial Services Inc (COFS) is between 12.83 to 37.27 according to relative valuation methord.

Relative Value

Fair Zone

12.83-37.27

Current Price：31.85

Fair

9.03

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.

2.73

ChoiceOne Financial Services Inc. (COFS) has a current PS of 2.73. The 5-year average PS is 0.44. The thresholds are as follows: Strongly Undervalued below -1.42, Undervalued between -1.42 and -0.49, Fairly Valued between 1.36 and -0.49, Overvalued between 1.36 and 2.29, and Strongly Overvalued above 2.29. The current Forward PS of 2.73 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 1.06. Compared to its 3-year average P/B ratio of 1.05 , the current P/B ratio is approximately 1.35% higher. Relative to its 5-year average P/B ratio of 1.00, the current P/B ratio is about 6.90% higher. ChoiceOne Financial Services Inc (COFS) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 18.02%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 17.59% , the current FCF yield is about -100.00% lower.

1.06

P/B

Median3y

1.05

Median5y

1.00

7.84

FCF Yield

Median3y

18.02

Median5y

17.59

Competitors Valuation Multiple

The average P/S ratio for COFS's competitors is , providing a benchmark for relative valuation. ChoiceOne Financial Services Inc Corp (COFS) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 84.97%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of COFS decreased by 10.61% 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.

84.97%

21.62M → 39.99M

Revenue Growth

8.00%

33.99 → 36.71

Margin Expansion

-103.58%

-516.92 → 18.51

P/E Change

-10.61%

35.64 → 31.86

Mkt Cap Growth

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Frequently Asked Questions

Is ChoiceOne Financial Services Inc (COFS) currently overvalued or undervalued?

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 12.83 to 37.27 according to relative valuation methord.

How does COFS's valuation metrics compare to the industry average?

What is the current P/B ratio for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?

As of Dec 16 2025, ChoiceOne Financial Services Inc (COFS) has a P/B ratio of 1.06. This indicates that the market values COFS at 1.06 times its book value.

What is the current FCF Yield for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?

As of Dec 16 2025, ChoiceOne Financial Services Inc (COFS) has a FCF Yield of 0.00%. This means that for every dollar of ChoiceOne Financial Services Inc’s market capitalization, the company generates 0.00 cents in free cash flow.

What is the current Forward P/E ratio for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?

As of Dec 16 2025, ChoiceOne Financial Services Inc (COFS) has a Forward P/E ratio of 9.03. This means the market is willing to pay $9.03 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 Dec 16 2025?

As of Dec 16 2025, ChoiceOne Financial Services Inc (COFS) has a Forward P/S ratio of 0.00. This means the market is valuing COFS at $0.00 for every dollar of expected revenue over the next 12 months.

COFS Valuation

COFS Valuation

COFS Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is ChoiceOne Financial Services Inc (COFS) currently overvalued or undervalued?

What is ChoiceOne Financial Services Inc (COFS) fair value?

How does COFS's valuation metrics compare to the industry average?

What is the current P/B ratio for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?

What is the current FCF Yield for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?

What is the current Forward P/E ratio for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?

What is the current Forward P/S ratio for ChoiceOne Financial Services Inc (COFS) as of Dec 16 2025?