What is COFS's health score?

CHOICEONE FINANCIAL SERVICES INC (COFS) has a TradeApes health score of 53 out of 100, rated Mixed. This composite score evaluates financial strength, operating trends, valuation, capital allocation, and risk factors.

What is COFS's estimated fair value?

Based on our 5-year discounted cash flow model, CHOICEONE FINANCIAL SERVICES INC's estimated fair value is $23.08 per share, representing a -26.1% downside from the current price. This is a model estimate, not a price target or investment recommendation.

Is COFS undervalued or overvalued?

Our model currently rates COFS as Overvalued. This assessment combines health metrics, valuation multiples, and market sentiment. Individual investors should conduct their own due diligence.

Crunching the numbers for COFS... Refresh in a moment for the full analysis.

CHOICEONE FINANCIAL SERVICES INC (COFS)

Financials Overvalued low mixed

$31.23

Updated: 2026-06-04

TradeApes Score

Financial Strength

60 Healthy

Operating Trend

50 Mixed

Relative Value

35 Weak

Capital Allocation

55 Mixed

Risk

80 Strong

Est. Fair Value $23.08

DCF Upside -26.1%

Sector Rank #1319 of 6407

Key Findings

+ Free cash flow positive — business generates real spendable cash

Unlock Full Report →

− Extreme P/E — above 45×, very high expectations embedded in price

Unlock Full Report →

3 free score cards remaining

TradeApes provides financial data, analytics, and research tools. TradeApes is not a registered investment adviser, broker-dealer, or tax advisor. The information presented is for educational and informational purposes only and does not constitute investment, financial, or tax advice.

11 sector-leading stocks delivered to your inbox every Sunday. Free.

No spam. Unsubscribe anytime.