COFS (ChoiceOne Financial Services) Quality Rank


COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $33.92
GF Value $29.25
Valuation Modestly Overvalued
! 5 Warning Signs
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What is ChoiceOne Financial Services Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

ChoiceOne Financial Services Quality Rank Related Terms

COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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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 $33.92 is trading 16% above its estimated GF Value™ of $29.25. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Quality Rank:
  • GF Value™: $29.25 vs. price of $33.92 (16% above fair value)
  • GF Score™: 62/100 with 5 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

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

$33.92
Price
$29.25
GF Value