CHOICEONE FINANCIAL SERVICES INC (COFS)
State Commercial Banks · Financial Services · $477M
Intrinsic Value (Consensus)
$29.64
Current Price
$31.89
Margin of Safety
-7.1%
7.1% Above Intrinsic Value
Value: $30
Price: $32
Valuation Model Estimates
Current Price: $31.89
DCF (Discounted Cash Flow)
$21.35
Graham Number
$37.51
Earnings Power Value
$19.51
Relative Value (P/E)
$40.20
Dividend Discount Model
$3.49
Consensus Value
$29.64
Model Assumptions
Discount Rate
10.3%
Growth Rate
2.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
60
Profitability
15/25
Strength
17/25
Valuation
12/25
Growth
16/25
Key Financials
- EPS (TTM)
- $2.01
- EPS (Forward)
- $2.05
- Book Value
- $31.11
- P/E Ratio
- 20.0
- Forward P/E
- 19.6
- PEG Ratio
- —
- ROE
- 6.1%
- Debt/Equity
- —
- Revenue Growth
- 63.6%
- Earnings Growth
- 2.0%
- Dividend Yield
- 0.7%
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance