COFS (ChoiceOne Financial Services) Net Loan: $2,957.8 Mil (As of Mar. 2026)

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COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $32.89
GF Value $29.26
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Net Loan?

ChoiceOne Financial Services COFS -1.20% 62 Net Loan is $2,957.8 Mil as of Mar. 2026. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.26 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ChoiceOne Financial Services's quarterly net loan increased from Sep. 2025 ($2,881.5 Mil) to Dec. 2025 ($2,993.7 Mil) but then declined from Dec. 2025 ($2,993.7 Mil) to Mar. 2026 ($2,957.8 Mil).

ChoiceOne Financial Services's annual net loan increased from Dec. 2023 ($1,399.7 Mil) to Dec. 2024 ($2,993.7 Mil) and increased from Dec. 2024 ($2,993.7 Mil) to Dec. 2025 ($2,957.8 Mil).

ChoiceOne Financial Services Net Loan Historical Data

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The historical data trend for ChoiceOne Financial Services's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

ChoiceOne Financial Services Net Loan Chart

ChoiceOne Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,061.14 1,187.00 1,399.68 1,536.38 2,993.67

ChoiceOne Financial Services Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,894.33 2,893.63 2,881.50 2,993.67 2,957.78
COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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ChoiceOne Financial Services Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $2,957.8 Mil mean?
ChoiceOne Financial Services (COFS) has a Net Loan of $2,957.8 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on ChoiceOne Financial Services and its competitors.
Is ChoiceOne Financial Services' Net Loan too high?
ChoiceOne Financial Services' current Net Loan is $2,957.8 Mil. Overall, ChoiceOne Financial Services has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ChoiceOne Financial Services' Net Loan compare to DBIN and OBT?
ChoiceOne Financial Services' Net Loan of $2,957.8 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current Net Loan is $2,957.8 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ChoiceOne Financial Services stock overvalued right now?
Based on GuruFocus' analysis, ChoiceOne Financial Services (COFS) is currently considered Modestly Overvalued. The stock's GF Value™ is $29.26, compared to a current price of $32.89 — trading 12.4% above its estimated fair value. The current Net Loan is $2,957.8 Mil. ChoiceOne Financial Services' overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Net Loan is $2,957.8 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is ChoiceOne Financial Services (COFS) Overvalued in 2026?

Based on GuruFocus' analysis, ChoiceOne Financial Services stock appears to be overvalued. The current stock price of $32.89 is trading 12.4% above its estimated GF Value™ of $29.26. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Net Loan: $2,957.8 Mil
  • GF Value™: $29.26 vs. price of $32.89 (12.4% above fair value)
  • GF Score™: 62/100 with 4 warning signs

No single metric tells the full story. See the COFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

ChoiceOne Financial Services Business Description

Address 109 East Division Street, Sparta, MI, USA, 49345
ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.
62GF Score

Get the complete analysis for COFS

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$32.89
Price
$29.26
GF Value