Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
ChoiceOne Financial Services's 3-Year RORE % for the quarter that ended in Mar. 2026 was 20.14%.
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
ChoiceOne Financial Services 3-Year RORE % Related Terms
ChoiceOne Financial Services 3-Year RORE % 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.
For the Banks - Regional subindustry, ChoiceOne Financial Services's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's 3-Year RORE % 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
ChoiceOne Financial Services (COFS) has a 3-Year RORE % of 20.14 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ChoiceOne Financial Services and its competitors. According to the industry distribution chart, ChoiceOne Financial Services ranks #431 out of 1472 companies in the Banks industry, placing it in the top 29.3%.
Is ChoiceOne Financial Services' 3-Year RORE % too high?
ChoiceOne Financial Services' current 3-Year RORE % is 20.14. The Banks industry median 3-Year RORE % is 9.93. ChoiceOne Financial Services' value of 20.14 is 102.8% above this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #431 out of 1472 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' 3-Year RORE % compare to DBIN and OBT?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #431 out of 1472 companies for 3-Year RORE %. This puts ChoiceOne Financial Services in the upper half of its industry. The industry median 3-Year RORE % is 9.93. ChoiceOne Financial Services' value of 20.14 is 102.8% 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-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current 3-Year RORE % of 20.14 is 102.8% 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-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current 3-Year RORE % is 20.14. 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 $33.92 — trading 16% above its estimated fair value. The current 3-Year RORE % is 20.14 and 102.8% above the Banks industry median of 9.93. ChoiceOne Financial Services' overall GF Score™ is 62/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current 3-Year RORE % is 20.14 as of Mar. 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 $33.92 is trading 16% above its estimated GF Value™ of $29.24.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
3-Year RORE %: 20.14
GF Value™: $29.24 vs. price of $33.92 (16% above fair value)
Industry Position: 102.8% above the Banks median (#431 of 1472)
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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