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3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-07-27), ChoiceOne Financial Services's 3-1 Month Momentum % is 9.05%.
The industry rank for ChoiceOne Financial Services's 3-1 Month Momentum % or its related term are showing as below:
COFS's 3-1 Month Momentum % is ranked better than 68.7% of 1575
companies
in the Banks industry
Industry Median: 2.6
vs COFS: 9.05
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
ChoiceOne Financial Services 3-1 Month Momentum % Related Terms
COFS vs PDLB, BWFG, FFMR: 3-1 Month Momentum % Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's 3-1 Month Momentum % 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 3-1 Month Momentum % of 9.05% as of Jul. 27, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on ChoiceOne Financial Services and its competitors. According to the industry distribution chart, ChoiceOne Financial Services ranks #493 out of 1575 companies in the Banks industry, placing it in the top 31.3%.
Is ChoiceOne Financial Services' 3-1 Month Momentum % too high?
ChoiceOne Financial Services' current 3-1 Month Momentum % is 9.05%. The Banks industry median 3-1 Month Momentum % is 2.60. ChoiceOne Financial Services' value of 9.05% is 248.1% above this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #493 out of 1575 companies in the Banks industry, which is above the industry midpoint. 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' 3-1 Month Momentum % compare to PDLB and BWFG?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #493 out of 1575 companies for 3-1 Month Momentum %. This puts ChoiceOne Financial Services in the upper half of its industry. The industry median 3-1 Month Momentum % is 2.60. ChoiceOne Financial Services' value of 9.05% is 248.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Banks company?
The median 3-1 Month Momentum % among Banks companies is 2.60, based on 1,575 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current 3-1 Month Momentum % of 9.05% is 248.1% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median 3-1 Month Momentum % is 2.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current 3-1 Month Momentum % is 9.05%. 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 $29.28, compared to a current price of $33.87 — trading 15.7% above its estimated fair value. The current 3-1 Month Momentum % is 9.05% and 248.1% above the Banks industry median of 2.60. 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 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current 3-1 Month Momentum % is 9.05% as of Jul. 27, 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 $33.87 is trading 15.7% above its estimated GF Value™ of $29.28.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
3-1 Month Momentum %: 9.05%
GF Value™: $29.28 vs. price of $33.87 (15.7% above fair value)
Industry Position: 248.1% above the Banks median (#493 of 1575)
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.
63GF Score
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3-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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