What is ChoiceOne Financial Services Net Margin %?
ChoiceOne Financial ServicesCOFS -0.97%62 Net Margin % is 32.28% as of Mar. 2026, which is 35% above its 10-year median of 23.88. 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. Among 1,527 Banks companies, ChoiceOne Financial Services ranks better than 68.24% on this metric.
The historical rank and industry rank for ChoiceOne Financial Services's Net Margin % or its related term are showing as below:
COFS'
s Net Margin % Range Over the Past 10 Years
Min: 17.42 Med: 23.88 Max: 32.25
Current: 32.25
COFS's Net Margin % is ranked better than 68.24% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs COFS: 32.25
ChoiceOne Financial Services (NAS:COFS) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
ChoiceOne Financial Services Net Margin % Related Terms
ChoiceOne Financial Services Net Margin % 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 Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's Net Margin % falls into.
* 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 Net Margin % of 32.28% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on ChoiceOne Financial Services and its competitors. This is 35% above median its historical median of 23.88. Over the past decade, ChoiceOne Financial Services' Net Margin % has ranged from 17.42 to 32.25. According to the industry distribution chart, ChoiceOne Financial Services ranks #485 out of 1527 companies in the Banks industry, placing it in the top 31.8%.
Is ChoiceOne Financial Services' Net Margin % too high?
ChoiceOne Financial Services' current Net Margin % of 32.28% is 35% above median its 10-year median of 23.88. Over the past 10 years, this metric has ranged from a low of 17.42 to a high of 32.25. The Banks industry median Net Margin % is 26.95. ChoiceOne Financial Services' value of 32.28% is 19.8% above this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #485 out of 1527 companies in the Banks industry, which is above 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' Net Margin % compare to FFMR and FBIZ?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #485 out of 1527 companies for Net Margin %. This puts ChoiceOne Financial Services in the upper half of its industry. The industry median Net Margin % is 26.95. ChoiceOne Financial Services' value of 32.28% is 19.8% above this benchmark. Historically, ChoiceOne Financial Services' own Net Margin % has ranged from 17.42 to 32.25 over the past decade. While the company's 10-year median is 23.88 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current Net Margin % of 32.28% is 19.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current Net Margin % is 32.28%, which is 35% above median its own 10-year median of 23.88. 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 Net Margin % is 32.28%, which is 35% above median its 10-year median of 23.88 and 19.8% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Net Margin % is 32.28% 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 $32.70 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:
Net Margin %: 32.28% (35% above median its 10-year median of 23.88)
GF Value™: $29.24 vs. price of $32.70 (11.8% above fair value)
Industry Position: 19.8% above the Banks median (#485 of 1527)
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
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