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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. ChoiceOne Financial Services's current 3-Year Share Buyback Ratio was -25.90%.
The historical rank and industry rank for ChoiceOne Financial Services's 3-Year Share Buyback Ratio or its related term are showing as below:
COFS'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -29.1 Med: -0.5 Max: 20
Current: -25.9
During the past 13 years, ChoiceOne Financial Services's highest 3-Year Share Buyback Ratio was 20.00%. The lowest was -29.10%. And the median was -0.50%.
COFS's 3-Year Share Buyback Ratio is ranked worse than 96.54% of 1040
companies
in the Banks industry
Industry Median: -0.2
vs COFS: -25.90
ChoiceOne Financial Services (NAS:COFS) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
ChoiceOne Financial Services 3-Year Share Buyback Ratio Related Terms
COFS vs PDLB, BWFG, FFMR: 3-Year Share Buyback Ratio Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's 3-Year Share Buyback Ratio falls into.
ChoiceOne Financial Services 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -25.90 mean?
ChoiceOne Financial Services (COFS) has a 3-Year Share Buyback Ratio of -25.90 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for ChoiceOne Financial Services and its competitors. According to the industry distribution chart, ChoiceOne Financial Services ranks #1004 out of 1040 companies in the Banks industry, placing it in the top 96.5%.
Is ChoiceOne Financial Services' 3-Year Share Buyback Ratio too high?
ChoiceOne Financial Services' current 3-Year Share Buyback Ratio is -25.90. Based on the distribution chart, ChoiceOne Financial Services ranks #1004 out of 1040 companies in the Banks industry, which is in the bottom quartile 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' 3-Year Share Buyback Ratio compare to PDLB and BWFG?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #1004 out of 1040 companies for 3-Year Share Buyback Ratio. This places ChoiceOne Financial Services in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for ChoiceOne Financial Services and its competitors. ChoiceOne Financial Services's current 3-Year Share Buyback Ratio is -25.90. 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 $29.55, compared to a current price of $34.38 — trading 16.3% above its estimated fair value. The current 3-Year Share Buyback Ratio is -25.90. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current 3-Year Share Buyback Ratio is -25.90 as of Jun. 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 $34.38 is trading 16.3% above its estimated GF Value™ of $29.55.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
3-Year Share Buyback Ratio: -25.90
GF Value™: $29.55 vs. price of $34.38 (16.3% above fair value)
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
Get the complete analysis for COFS
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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