ChoiceOne Financial Services Inc (COFS) is now in the Fair zone, suggesting that its current forward PE ratio of 8.21 is considered Fairly compared with the five-year average of 5.42. The fair price of ChoiceOne Financial Services Inc (COFS) is between 11.27 to 35.80 according to relative valuation method.

Relative Value

Fair Zone

11.27-35.80

Current Price：29.43

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

Unlock 5-Year Valuation Change

Is ChoiceOne Financial Services Inc (COFS) at a historical peak or a rare bargain? Access the full 5-year trend to find out.

Unlock Now

ChoiceOne Financial Services Inc (COFS) has a current Price-to-Book (P/B) ratio of 0.97. Compared to its 3-year average P/B ratio of 1.03, the current P/B ratio is approximately -6.43% higher. Relative to its 5-year average P/B ratio of 1.00, the current P/B ratio is about -2.89% higher. ChoiceOne Financial Services Inc (COFS) has a Forward Free Cash Flow (FCF) yield of approximately 8.63%. Compared to its 3-year average FCF yield of 17.67%, the current FCF yield is approximately -51.16% lower. Relative to its 5-year average FCF yield of 18.17%, the current FCF yield is about -52.51% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for COFS competitors is 2.19, providing a benchmark for relative valuation. ChoiceOne Financial Services Inc Corp (COFS.O) exhibits a P/S ratio of 2.48, which is 13.07% above the industry average. Given its robust revenue growth of 75.36%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of COFS increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of COFS in the past 1 year(s) is driven by Unknown.

People Also Watch

Frequently Asked Questions

Is COFS currently overvalued or undervalued?

What is ChoiceOne Financial Services Inc (COFS) fair value?

COFS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of ChoiceOne Financial Services Inc (COFS) is between 11.27 to 35.80 according to relative valuation method.

How does COFS's valuation metrics compare to the industry average?

The average P/S ratio for COFS's competitors is 2.19, providing a benchmark for relative valuation. ChoiceOne Financial Services Inc Corp (COFS) exhibits a P/S ratio of 2.48, which is 13.07% above the industry average. Given its robust revenue growth of 75.36%, this premium appears sustainable.

What is the current P/B ratio for ChoiceOne Financial Services Inc (COFS) as of Mar 03 2026?

As of Mar 03 2026, ChoiceOne Financial Services Inc (COFS) has a P/B ratio of 0.97. This indicates that the market values COFS at 0.97 times its book value.

What is the current FCF Yield for ChoiceOne Financial Services Inc (COFS) as of Mar 03 2026?

As of Mar 03 2026, ChoiceOne Financial Services Inc (COFS) has a FCF Yield of 8.63%. This means that for every dollar of ChoiceOne Financial Services Inc's market capitalization, the company generates 8.63 cents in free cash flow.

What is the current Forward P/E ratio for ChoiceOne Financial Services Inc (COFS) as of Mar 03 2026?

As of Mar 03 2026, ChoiceOne Financial Services Inc (COFS) has a Forward P/E ratio of 8.21. This means the market is willing to pay $8.21 for every dollar of ChoiceOne Financial Services Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for ChoiceOne Financial Services Inc (COFS) as of Mar 03 2026?

As of Mar 03 2026, ChoiceOne Financial Services Inc (COFS) has a Forward P/S ratio of 2.48. This means the market is valuing COFS at $2.48 for every dollar of expected revenue over the next 12 months.

COFS Valuation