COFS (ChoiceOne Financial Services) Growth Rank: 2 (As of Aug. 02, 2026) — 50% Below Median

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COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $34.03
GF Value $29.27
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Growth Rank?

ChoiceOne Financial Services COFS +0.68% 62 Growth Rank is 2 as of Aug. 02, 2026, which is 50% below its 10-year median of 4.00. GuruFocus rates COFS with a GF Score™ of 62/100 and a GF Value™ of $29.27 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ChoiceOne Financial Services has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

ChoiceOne Financial Services Growth Rank Related Terms

COFS vs PDLB, BWFG, FFMR: Growth Rank Comparison

For the Banks - Regional subindustry, ChoiceOne Financial Services's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, ChoiceOne Financial Services's Growth Rank distribution charts can be found below:

* The bar in red indicates where ChoiceOne Financial Services's Growth Rank falls into.


COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
ChoiceOne Financial Services (COFS) has a Growth Rank of 2 as of Aug. 02, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on ChoiceOne Financial Services and its competitors. This is 50% below median its historical median of 4.00. Over the past decade, ChoiceOne Financial Services' Growth Rank has ranged from 1.00 to 10.00.
Is ChoiceOne Financial Services' Growth Rank too high?
ChoiceOne Financial Services' current Growth Rank of 2 is 50% below median its 10-year median of 4.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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' Growth Rank compare to PDLB and BWFG?
ChoiceOne Financial Services' Growth Rank of 2 can be compared against companies in the Banks industry. Historically, ChoiceOne Financial Services' own Growth Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current Growth Rank is 2, which is 50% below median its own 10-year median of 4.00. 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 $29.27, compared to a current price of $34.03 — trading 16.3% above its estimated fair value. The current Growth Rank is 2, which is 50% below median its 10-year median of 4.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Growth Rank is 2 as of Aug. 02, 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 $34.03 is trading 16.3% above its estimated GF Value™ of $29.27. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Growth Rank: 2 (50% below median its 10-year median of 4.00)
  • GF Value™: $29.27 vs. price of $34.03 (16.3% above fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for COFS

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

$34.03
Price
$29.27
GF Value