COFS (ChoiceOne Financial Services) Altman Z-Score


COFS ChoiceOne Financial Services Inc COFS
62 GF Score
Price $32.70
GF Value $29.24
Valuation Modestly Overvalued
! 4 Warning Signs
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What is ChoiceOne Financial Services Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

COFS
62GF Score
ChoiceOne Financial Services Inc COFS
Altman Z-Score 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 $32.70 is trading 11.8% above its estimated GF Value™ of $29.24. GuruFocus considers ChoiceOne Financial Services to be Modestly Overvalued.

Key valuation signals for COFS:

  • Altman Z-Score:
  • GF Value™: $29.24 vs. price of $32.70 (11.8% 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

Get the complete analysis for COFS

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

$32.70
Price
$29.24
GF Value