ChoiceOne Financial ServicesCOFS +0.59%63 EV-to-FCF is 18.91 as of Jul. 09, 2026, which is 37% above its 10-year median of 13.77. GuruFocus rates COFS with a GF Score™ of 63/100 and a GF Value™ of $29.25 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,191 Banks companies, ChoiceOne Financial Services ranks worse than 81.44% on this metric.
The historical rank and industry rank for ChoiceOne Financial Services's EV-to-FCF or its related term are showing as below:
COFS'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.63 Med: 13.77 Max: 2056.32
Current: 18.91
During the past 13 years, the highest EV-to-FCF of ChoiceOne Financial Services was 2056.32. The lowest was -7.63. And the median was 13.77.
COFS's EV-to-FCF is ranked worse than 81.44% of 1191
companies
in the Banks industry
Industry Median: 6.57
vs COFS: 18.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
ChoiceOne Financial Services's PE Ratio (TTM) for today is calculated as:
ChoiceOne Financial Services's share price for today is $32.61.
ChoiceOne Financial Services's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.700.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
ChoiceOne Financial Services EV-to-FCF Related Terms
ChoiceOne Financial Services EV-to-FCF 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.
For the Banks - Regional subindustry, ChoiceOne Financial Services's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's EV-to-FCF falls into.
ChoiceOne Financial Services's current Enterprise Value is $637.7 Mil.
ChoiceOne Financial Services's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $33.7 Mil.
* 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 EV-to-FCF of 18.91 as of Jul. 09, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ChoiceOne Financial Services and its competitors. This is 37% above median its historical median of 13.77. According to the industry distribution chart, ChoiceOne Financial Services ranks #970 out of 1191 companies in the Banks industry, placing it in the top 81.4%.
Is ChoiceOne Financial Services' EV-to-FCF too high?
ChoiceOne Financial Services' current EV-to-FCF of 18.91 is 37% above median its 10-year median of 13.77. The Banks industry median EV-to-FCF is 6.57. ChoiceOne Financial Services' value of 18.91 is 187.8% above this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #970 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ChoiceOne Financial Services has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ChoiceOne Financial Services' EV-to-FCF compare to DBIN and OBT?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #970 out of 1191 companies for EV-to-FCF. This places ChoiceOne Financial Services in the lower half of its industry. The industry median EV-to-FCF is 6.57. ChoiceOne Financial Services' value of 18.91 is 187.8% above this benchmark. While the company's 10-year median is 13.77 vs. the industry median of 6.57, ChoiceOne Financial Services has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current EV-to-FCF of 18.91 is 187.8% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current EV-to-FCF is 18.91, which is 37% above median its own 10-year median of 13.77. 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 $32.61 — trading 11.5% above its estimated fair value. The current EV-to-FCF is 18.91, which is 37% above median its 10-year median of 13.77 and 187.8% above the Banks industry median of 6.57. ChoiceOne Financial Services' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current EV-to-FCF is 18.91 as of Jul. 09, 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 $32.61 is trading 11.5% above its estimated GF Value™ of $29.25.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
EV-to-FCF: 18.91 (37% above median its 10-year median of 13.77)
GF Value™: $29.25 vs. price of $32.61 (11.5% above fair value)
Industry Position: 187.8% above the Banks median (#970 of 1191)
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.
63GF Score
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