COFS (ChoiceOne Financial Services) Interest Income: $216.3 Mil (TTM As of Jun. 2026)

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COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $34.38
GF Value $29.55
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Interest Income?

ChoiceOne Financial Services COFS +0.73% 62 Interest Income is $216.3 Mil as of Jun. 2026. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.55 (Modestly Overvalued). The stock has 4 warning signs investors should review.

Interest Income is the interest earned on cash temporarily held in savings accounts, certificates of deposits, or other investments. ChoiceOne Financial Services's interest income for the three months ended in Jun. 2026 was $53.9 Mil. Its interest income for the trailing twelve months (TTM) ended in Jun. 2026 was $216.3 Mil.

ChoiceOne Financial Services Interest Income Historical Data

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The historical data trend for ChoiceOne Financial Services's Interest Income 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 Interest Income Chart

ChoiceOne Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 64.62 75.06 98.98 121.10 202.96

ChoiceOne Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Interest Income 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 53.93 54.70 54.38 53.28 53.94
COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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ChoiceOne Financial Services Interest Income Calculation

Interest Income is the interest earned on cash temporarily held in savings accounts, certificates of deposits, or other investments.

Interest Income for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $216.3 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.

Frequently Asked Questions Learn more about Interest Income →
What does a Interest Income of $216.3 Mil mean?
ChoiceOne Financial Services (COFS) has a Interest Income of $216.3 Mil as of Jun. 2026. Interest Income is the amount a company receives on savings accounts and certificates of deposits. View historical data on ChoiceOne Financial Services and its competitors.
Is ChoiceOne Financial Services' Interest Income too high?
ChoiceOne Financial Services' current Interest Income is $216.3 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' Interest Income compare to PDLB and BWFG?
ChoiceOne Financial Services' Interest Income of $216.3 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 Interest Income for a Banks company?
A good Interest Income depends on the Banks industry context. However, Interest Income 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 Interest Income mean?
A high Interest Income can signal that a stock is expensive relative to its fundamentals. Interest Income is the amount a company receives on savings accounts and certificates of deposits. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current Interest Income is $216.3 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 $29.55, compared to a current price of $34.38 — trading 16.3% above its estimated fair value. The current Interest Income is $216.3 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 Interest Income calculated?
Interest Income is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Interest Income is $216.3 Mil 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 $34.38 is trading 16.3% above its estimated GF Value™ of $29.55. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Interest Income: $216.3 Mil
  • GF Value™: $29.55 vs. price of $34.38 (16.3% 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

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

$34.38
Price
$29.55
GF Value