COFS (ChoiceOne Financial Services) Tariff Resilience Score: 9/10 (As of Jun. 29, 2026)


COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $32.88
GF Value $29.24
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Tariff Resilience Score?

ChoiceOne Financial Services COFS +0.55% 62 Tariff Resilience Score is 9 as of Jun. 29, 2026. 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 1,610 Banks companies, ChoiceOne Financial Services ranks better than 99.25% on this metric.

ChoiceOne Financial Services has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

ChoiceOne Financial Services has Regional bank with no direct exposure to tariffs. Indirect impact through local economic conditions, but overall resilience due to domestic operations.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes ChoiceOne Financial Services might have Highly Resilient.

ChoiceOne Financial Services  (NAS:COFS) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

ChoiceOne Financial Services Tariff Resilience Score Related Terms

COFS vs DBIN, OBT, PDLB: Tariff Resilience Score Comparison

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

For the Banks industry and Financial Services sector, ChoiceOne Financial Services's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where ChoiceOne Financial Services's Tariff Resilience Score falls into.


COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
ChoiceOne Financial Services (COFS) has a Tariff Resilience Score of 9 as of Jun. 29, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, ChoiceOne Financial Services ranks #12 out of 1610 companies in the Banks industry, placing it in the top 0.7%.
Is ChoiceOne Financial Services' Tariff Resilience Score too high?
ChoiceOne Financial Services' current Tariff Resilience Score is 9. Based on the distribution chart, ChoiceOne Financial Services ranks #12 out of 1610 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Tariff Resilience Score compare to DBIN and OBT?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #12 out of 1610 companies for Tariff Resilience Score. This places ChoiceOne Financial Services in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Banks company?
A good Tariff Resilience Score depends on the Banks industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. ChoiceOne Financial Services's current Tariff Resilience Score is 9. 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 $32.88 — trading 12.4% above its estimated fair value. The current Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current Tariff Resilience Score is 9 as of Jun. 29, 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 $32.88 is trading 12.4% above its estimated GF Value™ of $29.24. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Tariff Resilience Score: 9
  • GF Value™: $29.24 vs. price of $32.88 (12.4% 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

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

$32.88
Price
$29.24
GF Value