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ChoiceOne Financial ServicesCOFS +0.57%62 Debt-to-Equity is 0.50 as of Mar. 2026, which is 72% above its 10-year median of 0.29. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.27 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,418 Banks companies, ChoiceOne Financial Services ranks better than 53.88% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for ChoiceOne Financial Services's Debt-to-Equity or its related term are showing as below:
COFS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0 Med: 0.29 Max: 1.2
Current: 0.5
During the past 13 years, the highest Debt-to-Equity Ratio of ChoiceOne Financial Services was 1.20. The lowest was 0.00. And the median was 0.29.
COFS's Debt-to-Equity is ranked better than 53.88% of 1418
companies
in the Banks industry
Industry Median: 0.57
vs COFS: 0.50
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
ChoiceOne Financial Services Debt-to-Equity Related Terms
ChoiceOne Financial Services Debt-to-Equity Historical Data
* 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.
COFS vs DBIN, OBT, PDLB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
ChoiceOne Financial Services Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's Debt-to-Equity falls into.
* 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 (COFS) has a Debt-to-Equity of 0.50 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on ChoiceOne Financial Services and its competitors. This is 72% above median its historical median of 0.29. According to the industry distribution chart, ChoiceOne Financial Services ranks #654 out of 1418 companies in the Banks industry, placing it in the top 46.1%.
Is ChoiceOne Financial Services' Debt-to-Equity too high?
ChoiceOne Financial Services' current Debt-to-Equity of 0.50 is 72% above median its 10-year median of 0.29. The Banks industry median Debt-to-Equity is 0.57. ChoiceOne Financial Services' value of 0.50 is 12.3% below this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #654 out of 1418 companies in the Banks industry, which is above the industry midpoint. 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' Debt-to-Equity compare to DBIN and OBT?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #654 out of 1418 companies for Debt-to-Equity. This puts ChoiceOne Financial Services in the upper half of its industry. The industry median Debt-to-Equity is 0.57. ChoiceOne Financial Services' value of 0.50 is 12.3% below this benchmark. While the company's 10-year median is 0.29 vs. the industry median of 0.57, ChoiceOne Financial Services has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.57, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current Debt-to-Equity of 0.50 is 12.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median Debt-to-Equity is 0.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current Debt-to-Equity is 0.50, which is 72% above median its own 10-year median of 0.29. 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 $29.27, compared to a current price of $33.64 — trading 14.9% above its estimated fair value. The current Debt-to-Equity is 0.50, which is 72% above median its 10-year median of 0.29 and 12.3% below the Banks industry median of 0.57. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Debt-to-Equity is 0.50 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 $33.64 is trading 14.9% above its estimated GF Value™ of $29.27.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
Debt-to-Equity: 0.50 (72% above median its 10-year median of 0.29)
GF Value™: $29.27 vs. price of $33.64 (14.9% above fair value)
Industry Position: 12.3% below the Banks median (#654 of 1418)
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 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
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