COFS (ChoiceOne Financial Services) Marketable Securities: $573.5 Mil (As of Mar. 2026)


COFS ChoiceOne Financial Services Inc COFS
63 GF Score
Price $32.42
GF Value $29.25
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Marketable Securities?

ChoiceOne Financial Services COFS -2.20% 63 Marketable Securities is $573.5 Mil as of Mar. 2026. 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.

Marketable Securities are very liquid securities that can be converted into cash quickly at a reasonable price. ChoiceOne Financial Services's Marketable Securities for the quarter that ended in Mar. 2026 was $573.5 Mil.

ChoiceOne Financial Services's annual Marketable Securities declined from Dec. 2023 ($514.6 Mil) to Dec. 2024 ($479.1 Mil) and declined from Dec. 2024 ($479.1 Mil) to Dec. 2025 ($134.3 Mil).

ChoiceOne Financial Services  (NAS:COFS) Marketable Securities Explanation

Marketable Securities are very liquid as they tend to have maturities of less than one year. Furthermore, the rate at which these securities can be bought or sold has little effect on their prices.

Please note, GuruFocus' Marketable Securities also includes "Other Short Term Investment".

ChoiceOne Financial Services Marketable Securities Related Terms

ChoiceOne Financial Services Marketable Securities Historical Data

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The historical data trend for ChoiceOne Financial Services's Marketable Securities 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 Marketable Securities Chart

ChoiceOne Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Marketable Securities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,098.89 529.75 514.60 479.12 134.28

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
Marketable Securities 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 15.66 10.15 8.65 134.28 573.53
COFS
63GF Score
ChoiceOne Financial Services Inc COFS
Marketable Securities is just one metric. See GF Score™, valuation, warning signs, and more.
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ChoiceOne Financial Services Marketable Securities Calculation

Marketable Securities are very liquid securities that can be converted into cash quickly at a reasonable price.

Frequently Asked Questions Learn more about Marketable Securities →
What does a Marketable Securities of $573.5 Mil mean?
ChoiceOne Financial Services (COFS) has a Marketable Securities of $573.5 Mil as of Mar. 2026. Marketable securities are high-liquid securites not directly classified as cash or cash equivalents. View historical data on ChoiceOne Financial Services and its competitors.
Is ChoiceOne Financial Services' Marketable Securities too high?
ChoiceOne Financial Services' current Marketable Securities is $573.5 Mil. 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' Marketable Securities compare to DBIN and OBT?
ChoiceOne Financial Services' Marketable Securities of $573.5 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 Marketable Securities for a Banks company?
A good Marketable Securities depends on the Banks industry context. However, Marketable Securities 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 Marketable Securities mean?
A high Marketable Securities can signal that a stock is expensive relative to its fundamentals. Marketable securities are high-liquid securites not directly classified as cash or cash equivalents. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current Marketable Securities is $573.5 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 $29.25, compared to a current price of $32.42 — trading 10.8% above its estimated fair value. The current Marketable Securities is $573.5 Mil. 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 Marketable Securities calculated?
Marketable Securities is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Marketable Securities is $573.5 Mil 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 $32.42 is trading 10.8% above its estimated GF Value™ of $29.25. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Marketable Securities: $573.5 Mil
  • GF Value™: $29.25 vs. price of $32.42 (10.8% above fair value)
  • GF Score™: 63/100 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.
63GF Score

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

$32.42
Price
$29.25
GF Value