COFS (ChoiceOne Financial Services) LT-Debt-to-Total-Asset: 0.01 (As of Mar. 2026)

What is ChoiceOne Financial Services LT-Debt-to-Total-Asset?

ChoiceOne Financial Services COFS +0.55% 62 LT-Debt-to-Total-Asset is 0.01 as of Mar. 2026. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.24 (Modestly Overvalued). The stock has 4 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. ChoiceOne Financial Services's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.01.

ChoiceOne Financial Services's long-term debt to total assets ratio declined from Mar. 2025 (0.02) to Mar. 2026 (0.01). It may suggest that ChoiceOne Financial Services is progressively becoming less dependent on debt to grow their business.

ChoiceOne Financial Services (NAS:COFS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

ChoiceOne Financial Services LT-Debt-to-Total-Asset Related Terms

ChoiceOne Financial Services LT-Debt-to-Total-Asset Historical Data

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The historical data trend for ChoiceOne Financial Services's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

ChoiceOne Financial Services Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.08

0.02

ChoiceOne Financial Services Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.02	0.05	0.05	0.02	0.01

62GF Score

ChoiceOne Financial Services Inc COFS

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ChoiceOne Financial Services LT-Debt-to-Total-Asset Calculation

ChoiceOne Financial Services's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	68.46	/	4410.551
	=	0.02

ChoiceOne Financial Services's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	48.552	/	4394.565
	=	0.01

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.01 mean?

ChoiceOne Financial Services (COFS) has a LT-Debt-to-Total-Asset of 0.01 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ChoiceOne Financial Services and its competitors.

Is ChoiceOne Financial Services' LT-Debt-to-Total-Asset too high?

ChoiceOne Financial Services' current LT-Debt-to-Total-Asset is 0.01. 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' LT-Debt-to-Total-Asset compare to FFMR and FBIZ?

ChoiceOne Financial Services' LT-Debt-to-Total-Asset of 0.01 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current LT-Debt-to-Total-Asset is 0.01. 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 $29.24, compared to a current price of $32.88 — trading 12.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.01. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current LT-Debt-to-Total-Asset is 0.01 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 $32.88 is trading 12.4% above its estimated GF Value™ of $29.24. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

LT-Debt-to-Total-Asset: 0.01
GF Value™: $29.24 vs. price of $32.88 (12.4% 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

Industry Financial Services Banks

Comparable Companies FFMR FBIZ OBT PDLB DBIN GCBC BSRR HBCP GBFH KRNY SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 109 East Division Street, Sparta, MI, USA, 49345

Website https://www.choiceone.com

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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$32.88

Price

$29.24

GF Value

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