ChoiceOne Financial Services's quarterly market cap
increased
from Sep. 2025 ($434.9 Mil) to Dec. 2025 ($442.8 Mil) but then
declined
from Dec. 2025 ($442.8 Mil) to Mar. 2026 ($420.7 Mil).
ChoiceOne Financial Services's annual market cap
increased
from Dec. 2023 ($221.2 Mil) to Dec. 2024 ($319.5 Mil) and
increased
from Dec. 2024 ($319.5 Mil) to Dec. 2025 ($442.8 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. ChoiceOne Financial Services's Enterprise Value for Today is $639.0 Mil.
ChoiceOne Financial Services (NAS:COFS) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
ChoiceOne Financial Services Market Cap Related Terms
ChoiceOne Financial Services Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's Market Cap distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's Market Cap falls into.
ChoiceOne Financial Services Market Cap Calculation
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
* 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 Market Cap of $489.7 Mil as of Jun. 26, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on ChoiceOne Financial Services and its competitors. According to the industry distribution chart, ChoiceOne Financial Services ranks #858 out of 1544 companies in the Banks industry, placing it in the top 55.6%.
Is ChoiceOne Financial Services' Market Cap too high?
ChoiceOne Financial Services' current Market Cap is $489.7 Mil. The Banks industry median Market Cap is 705.40. ChoiceOne Financial Services' value of $489.7 Mil is 30.6% below this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #858 out of 1544 companies in the Banks industry, which is below the industry midpoint. 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' Market Cap compare to FFMR and FBIZ?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #858 out of 1544 companies for Market Cap. This places ChoiceOne Financial Services in the lower half of its industry. The industry median Market Cap is 705.40. ChoiceOne Financial Services' value of $489.7 Mil is 30.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Banks company?
The median Market Cap among Banks companies is 705.40, based on 1,544 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current Market Cap of $489.7 Mil is 30.6% below 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 Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median Market Cap is 705.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current Market Cap is $489.7 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 $29.24, compared to a current price of $32.70 — trading 11.8% above its estimated fair value. The current Market Cap is $489.7 Mil and 30.6% below the Banks industry median of 705.40. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Market Cap is $489.7 Mil as of Jun. 26, 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 $32.70 is trading 11.8% above its estimated GF Value™ of $29.24.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
Market Cap: $489.7 Mil
GF Value™: $29.24 vs. price of $32.70 (11.8% above fair value)
Industry Position: 30.6% below the Banks median (#858 of 1544)
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
Get the complete analysis for COFS
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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