ChoiceOne Financial ServicesCOFS +0.15%62 PE Ratio without NRI is 8.83 as of Jun. 26, 2026, which is 14% below its 10-year median of 10.31. 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 1,445 Banks companies, ChoiceOne Financial Services ranks better than 72.66% on this metric.
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. As of today (2026-06-26), ChoiceOne Financial Services's share price is $32.75.
ChoiceOne Financial Services's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was $3.71. Therefore, ChoiceOne Financial Services's PE Ratio without NRI for today is 8.83.
During the past 13 years, ChoiceOne Financial Services's highest PE Ratio without NRI was 17.44. The lowest was 5.45. And the median was 10.31.
ChoiceOne Financial Services (NAS:COFS) PE Ratio without NRI Explanation
The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.
If a company loses money, the PE Ratio becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.
Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.
ChoiceOne Financial Services PE Ratio without NRI Related Terms
ChoiceOne Financial Services PE Ratio without NRI 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.
ChoiceOne Financial Services PE Ratio without NRI Chart
COFS vs FFMR, FBIZ, OBT: PE Ratio without NRI Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's PE Ratio without NRI distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's PE Ratio without NRI falls into.
ChoiceOne Financial Services PE Ratio without NRI Calculation
The PE Ratio without NRI, or P/E Ratio without non-recurring items, is a financial ratio used to compare a company's market price to its EPS without NRI. Regular PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than regular PE Ratio.
ChoiceOne Financial Services's Share Price of today is $32.75.
ChoiceOne Financial Services's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.71.
* 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.
There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months.
For Forward PE Ratio, the earnings are the expected earnings for the next twelve months.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
ChoiceOne Financial Services (COFS) has a PE Ratio without NRI of 8.83 as of Jun. 26, 2026. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on ChoiceOne Financial Services and its competitors. This is 14% below median its historical median of 10.31. Over the past decade, ChoiceOne Financial Services' PE Ratio without NRI has ranged from 5.45 to 17.44. According to the industry distribution chart, ChoiceOne Financial Services ranks #395 out of 1445 companies in the Banks industry, placing it in the top 27.3%.
Is ChoiceOne Financial Services' PE Ratio without NRI too high?
ChoiceOne Financial Services' current PE Ratio without NRI of 8.83 is 14% below median its 10-year median of 10.31. Over the past 10 years, this metric has ranged from a low of 5.45 to a high of 17.44. The Banks industry median PE Ratio without NRI is 11.38. ChoiceOne Financial Services' value of 8.83 is 22.4% below this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #395 out of 1445 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' PE Ratio without NRI compare to FFMR and FBIZ?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #395 out of 1445 companies for PE Ratio without NRI. This puts ChoiceOne Financial Services in the upper half of its industry. The industry median PE Ratio without NRI is 11.38. ChoiceOne Financial Services' value of 8.83 is 22.4% below this benchmark. Historically, ChoiceOne Financial Services' own PE Ratio without NRI has ranged from 5.45 to 17.44 over the past decade. While the company's 10-year median is 10.31 vs. the industry median of 11.38, ChoiceOne Financial Services has consistently been below 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 PE Ratio without NRI for a Banks company?
The median PE Ratio without NRI among Banks companies is 11.38, based on 1,445 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio without NRI significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current PE Ratio without NRI of 8.83 is 22.4% 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 PE Ratio without NRI mean?
A high PE Ratio without NRI can signal that a stock is expensive relative to its fundamentals. P/E without nonrecurring items is the ratio of share price to a company's earnings less one-time charges. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median PE Ratio without NRI is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current PE Ratio without NRI is 8.83, which is 14% below median its own 10-year median of 10.31. 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 $32.75 — trading 12% above its estimated fair value. The current PE Ratio without NRI is 8.83, which is 14% below median its 10-year median of 10.31 and 22.4% below the Banks industry median of 11.38. 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 PE Ratio without NRI calculated?
PE Ratio without NRI is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current PE Ratio without NRI is 8.83 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 $32.75 is trading 12% above its estimated GF Value™ of $29.24.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
PE Ratio without NRI: 8.83 (14% below median its 10-year median of 10.31)
GF Value™: $29.24 vs. price of $32.75 (12% above fair value)
Industry Position: 22.4% below the Banks median (#395 of 1445)
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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