
COFS Valuation
ChoiceOne Financial Services Inc
- Overview
- Forecast
- Valuation
- Earnings
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 8.70 is considered Fairly compared with the five-year average of 4.60. The fair price of ChoiceOne Financial Services Inc (COFS) is between 10.84 to 35.04 according to relative valuation methord.
Relative Value
Fair Zone
10.84-35.04
Current Price:29.81
Fair
8.70
PE
1Y
3Y
5Y
Trailing
Forward
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.
2.66
PS
ChoiceOne Financial Services Inc. (COFS) has a current PS of 2.66. The 5-year average PS is 0.27. The thresholds are as follows: Strongly Undervalued below -1.21, Undervalued between -1.21 and -0.47, Fairly Valued between 1.00 and -0.47, Overvalued between 1.00 and 1.74, and Strongly Overvalued above 1.74. The current Forward PS of 2.66 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 1.04. Compared to its 3-year average P/B ratio of 1.06 , the current P/B ratio is approximately -1.25% higher. Relative to its 5-year average P/B ratio of 1.00, the current P/B ratio is about 4.62% higher. ChoiceOne Financial Services Inc (COFS) has a Forward Free Cash Flow (FCF) yield of approximately 3.61%. Compared to its 3-year average FCF yield of 19.80%, the current FCF yield is approximately -81.76% lower. Relative to its 5-year average FCF yield of 16.77% , the current FCF yield is about -78.46% lower.
1.04
P/B
Median3y
1.06
Median5y
1.00
3.61
FCF Yield
Median3y
19.80
Median5y
16.77
Competitors Valuation Multiple
The average P/S ratio for COFS's competitors is 2.27, providing a benchmark for relative valuation. ChoiceOne Financial Services Inc Corp (COFS) exhibits a P/S ratio of 2.66, which is 16.93% above the industry average. Given its robust revenue growth of 94.53%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap

COFS.O
ChoiceOne Financial Services Inc
2.66
Average P/S: 2.27
94.53%
447.60M

FFWM.N
First Foundation Inc
1.76
-13.14%
443.24M

ACNB.O
ACNB Corp
2.91
45.16%
461.73M

BWB.O
Bridgewater Bancshares Inc
3.04
35.16%
433.81M

PGC.O
Peapack-Gladstone Financial Corp
1.52
24.20%
473.16M

FFIC.O
Flushing Financial Corp
1.75
30.48%
432.70M
Performance Decomposition
1Y
3Y
5Y
Market capitalization of COFS decreased by 2.70% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 19.33M to 37.61M.
The secondary factor is the Margin Expansion, contributed 5.67%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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FAQ

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 8.70 is considered Fairly compared with the five-year average of 4.60. The fair price of ChoiceOne Financial Services Inc (COFS) is between 10.84 to 35.04 according to relative valuation methord.

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 Aug 19 2025?

What is the current FCF Yield for ChoiceOne Financial Services Inc (COFS) as of Aug 19 2025?

What is the current Forward P/E ratio for ChoiceOne Financial Services Inc (COFS) as of Aug 19 2025?
