COFS (ChoiceOne Financial Services) 3-Year ROIIC %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $33.05
GF Value $29.59
Valuation Modestly Overvalued
! 5 Warning Signs
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What is ChoiceOne Financial Services 3-Year ROIIC %?

3-Year ROIIC % does not apply to banks.

COFS
62GF Score
ChoiceOne Financial Services Inc COFS
3-Year ROIIC % 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 $33.05 is trading 11.7% above its estimated GF Value™ of $29.59. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • 3-Year ROIIC %:
  • GF Value™: $29.59 vs. price of $33.05 (11.7% 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 bank holding company headquartered in Sparta, Michigan, that operates through its subsidiary, ChoiceOne Bank. It provides personal and business banking, including checking and savings accounts, time deposits, safe deposit and ATM services, and commercial and consumer lending. Loan categories include commercial, agricultural, construction, inventory, and real estate lending, along with treasury and bond services. The bank serves individuals, small and mid-sized businesses, farmers, and municipalities. Its primary markets are western Michigan counties such as Kent, Muskegon, Newaygo, and Ottawa, and southeastern Michigan counties including Lapeer, Macomb, and St. Clair. Revenue comes mainly from net interest income on loans and securities, supplemented by fees on deposits and other banking services. ChoiceOne has expanded through acquisitions, including County Bank Corp and, more recently, Fentura Financial.
62GF Score

Get the complete analysis for COFS

3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.05
Price
$29.59
GF Value