Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
ChoiceOne Financial Services Effective Interest Rate on Debt % Related Terms
ChoiceOne Financial Services Effective Interest Rate on Debt % Historical Data
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The historical data trend for ChoiceOne Financial Services's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
COFS vs DBIN, OBT, PDLB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's Effective Interest Rate on Debt % 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 24.33% mean?
ChoiceOne Financial Services (COFS) has a Effective Interest Rate on Debt % of 24.33% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ChoiceOne Financial Services and its competitors.
Is ChoiceOne Financial Services' Effective Interest Rate on Debt % too high?
ChoiceOne Financial Services' current Effective Interest Rate on Debt % is 24.33%. 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' Effective Interest Rate on Debt % compare to DBIN and OBT?
ChoiceOne Financial Services' Effective Interest Rate on Debt % of 24.33% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current Effective Interest Rate on Debt % is 24.33%. 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 $29.25, compared to a current price of $33.15 — trading 13.3% above its estimated fair value. The current Effective Interest Rate on Debt % is 24.33%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Effective Interest Rate on Debt % is 24.33% 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 $33.15 is trading 13.3% above its estimated GF Value™ of $29.25.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
Effective Interest Rate on Debt %: 24.33%
GF Value™: $29.25 vs. price of $33.15 (13.3% above fair value)
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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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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