ChoiceOne Financial ServicesCOFS -1.33%62 5-Year Yield-on-Cost % is 4.71 as of Jul. 08, 2026, which is 7% above its 10-year median of 4.41. GuruFocus rates COFS with a GF Scoreâ„¢ of 62/100 and a GF Valueâ„¢ of $29.25 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,254 Banks companies, ChoiceOne Financial Services ranks better than 61.32% on this metric.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
ChoiceOne Financial Services 5-Year Yield-on-Cost % Related Terms
COFS vs DBIN, OBT, PDLB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, ChoiceOne Financial Services's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, ChoiceOne Financial Services's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where ChoiceOne Financial Services's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
ChoiceOne Financial Services (COFS) has a 5-Year Yield-on-Cost % of 4.71 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ChoiceOne Financial Services and its competitors. This is near median its historical median of 4.41. Over the past decade, ChoiceOne Financial Services' 5-Year Yield-on-Cost % has ranged from 3.16 to 8.54. According to the industry distribution chart, ChoiceOne Financial Services ranks #485 out of 1254 companies in the Banks industry, placing it in the top 38.7%.
Is ChoiceOne Financial Services' 5-Year Yield-on-Cost % too high?
ChoiceOne Financial Services' current 5-Year Yield-on-Cost % of 4.71 is near median its 10-year median of 4.41. Over the past 10 years, this metric has ranged from a low of 3.16 to a high of 8.54. The Banks industry median 5-Year Yield-on-Cost % is 3.91. ChoiceOne Financial Services' value of 4.71 is 20.6% above this industry median. Based on the distribution chart, ChoiceOne Financial Services ranks #485 out of 1254 companies in the Banks industry, which is above the industry midpoint. Overall, ChoiceOne Financial Services has a GF Scoreâ„¢ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does ChoiceOne Financial Services' 5-Year Yield-on-Cost % compare to DBIN and OBT?
According to the Banks industry distribution chart, ChoiceOne Financial Services ranks #485 out of 1254 companies for 5-Year Yield-on-Cost %. This puts ChoiceOne Financial Services in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.91. ChoiceOne Financial Services' value of 4.71 is 20.6% above this benchmark. Historically, ChoiceOne Financial Services' own 5-Year Yield-on-Cost % has ranged from 3.16 to 8.54 over the past decade. While the company's 10-year median is 4.41 vs. the industry median of 3.91, ChoiceOne Financial Services has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. ChoiceOne Financial Services's current 5-Year Yield-on-Cost % of 4.71 is 20.6% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on ChoiceOne Financial Services and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. ChoiceOne Financial Services's current 5-Year Yield-on-Cost % is 4.71, which is near median its own 10-year median of 4.41. 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 $29.25, compared to a current price of $32.71 — trading 11.8% above its estimated fair value. The current 5-Year Yield-on-Cost % is 4.71, which is near median its 10-year median of 4.41 and 20.6% above the Banks industry median of 3.91. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For ChoiceOne Financial Services (COFS), the current 5-Year Yield-on-Cost % is 4.71 as of Jul. 08, 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 $32.71 is trading 11.8% above its estimated GF Value™ of $29.25.
GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.
Key valuation signals for COFS:
5-Year Yield-on-Cost %: 4.71 (near median its 10-year median of 4.41)
GF Value™: $29.25 vs. price of $32.71 (11.8% above fair value)
Industry Position: 20.6% above the Banks median (#485 of 1254)
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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