COFS
ChoiceOne Financial Services, Inc.Financial Services · $494M market cap
Verdict
Share price
$33.11
close of Oct 3, 2026
Fair value
$63.90
Sticker Price
Payback Price
$25.56
buy price
COFS is Undervalued: at $33.11 it trades 48% below its fair value of $63.90. Its buy price (Payback Price) is $25.56, 23% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.
How we valued it
Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.
Business quality
1 of 5 clear the 10% bar. What are the Big Five?
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Since Jul 1, 2026: no open-market purchases and 13 other filings (stock awards, tax withholding and similar). Why purchases matter
Other filings
Armock Greg L.
director · 2026-07-01
Award
$17K
Brophy Keith D.
director · 2026-07-01
Award
$12K
Burns Harold J
director · 2026-07-01
Award
$17K
Burrough Eric E
director · 2026-07-01
Award
$17K
Coulter Curt E
director · 2026-07-01
Award
$7K
Show all 13 other filingsShow fewer
Essex Bruce John Jr
director · 2026-07-01
Award
$7K
Hicks Randy D
director · 2026-07-01
Award
$17K
Krause Steven Theodore
director · 2026-07-01
Award
$17K
McConnell Gregory A
director · 2026-07-01
Award
$7K
McGinnis Bradley F.
director · 2026-07-01
Award
$17K
Page Roxanne M
director · 2026-07-01
Award
$7K
PETTY BRIAN P
director · 2026-07-01
Award
$17K
Wendling Michelle M
director · 2026-07-01
Award
$7K
About ChoiceOne Financial Services, Inc.
ChoiceOne Financial Services, Inc. functions as the holding company for ChoiceOne Bank, which delivers a comprehensive range of community banking services to businesses (corporations and partnerships) and individual clients across Michigan. The institution offers diverse deposit solutions, including time, savings, and demand accounts, alongside access to safe deposit boxes and automated teller machine (ATM)…
Banks - Regional
Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works