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ChoiceOne Financial ServicesCOFS -1.86%62 3-Year EPS without NRI Growth Rate is 5.40% as of Jun. 2026, which is 4% below its 10-year median of 5.60. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.58 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,402 Banks companies, ChoiceOne Financial Services ranks worse than 55.71% on this metric.
During the past 12 months, ChoiceOne Financial Services's average EPS without NRI Growth Rate was 2.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 5.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 7.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 9.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of ChoiceOne Financial Services was 39.10% per year. The lowest was -22.90% per year. And the median was 5.60% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
ChoiceOne Financial Services 3-Year EPS without NRI Growth Rate Related Terms
COFS vs BSVN, PDLB, FFMR: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's 3-Year EPS without NRI Growth Rate falls into.
ChoiceOne Financial Services 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 5.40% mean?
ChoiceOne Financial Services (COFS) has a 3-Year EPS without NRI Growth Rate of 5.40% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for ChoiceOne Financial Services and its competitors. This is near median its historical median of 5.60. According to the industry distribution chart, ChoiceOne Financial Services ranks #781 out of 1402 companies in the Banks industry, placing it in the top 55.7%.
Is ChoiceOne Financial Services' 3-Year EPS without NRI Growth Rate too high?
ChoiceOne Financial Services' current 3-Year EPS without NRI Growth Rate of 5.40% is near median its 10-year median of 5.60. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.60. ChoiceOne Financial Services' value of 5.40% is 28.9% below this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #781 out of 1402 companies in the Banks industry, which is below 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' 3-Year EPS without NRI Growth Rate compare to BSVN and PDLB?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #781 out of 1402 companies for 3-Year EPS without NRI Growth Rate. This places ChoiceOne Financial Services in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.60. ChoiceOne Financial Services' value of 5.40% is 28.9% below this benchmark. While the company's 10-year median is 5.60 vs. the industry median of 7.60, 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.60, based on 1,402 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current 3-Year EPS without NRI Growth Rate of 5.40% is 28.9% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for ChoiceOne Financial Services and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current 3-Year EPS without NRI Growth Rate is 5.40%, which is near median its own 10-year median of 5.60. 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 $29.58, compared to a current price of $33.54 — trading 13.4% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 5.40%, which is near median its 10-year median of 5.60 and 28.9% below the Banks industry median of 7.60. ChoiceOne Financial Services' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current 3-Year EPS without NRI Growth Rate is 5.40% as of Jun. 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 $33.54 is trading 13.4% above its estimated GF Value™ of $29.58.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
3-Year EPS without NRI Growth Rate: 5.40% (near median its 10-year median of 5.60)
GF Value™: $29.58 vs. price of $33.54 (13.4% above fair value)
Industry Position: 28.9% below the Banks median (#781 of 1402)
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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