COFS relative valueRV
CHOICEONE FINANCIAL SERVICES INC. How this company compares with the rest of its GICS sub-industry on the figures it reported in its last annual filing.
COFS's net margin of 12.4% ranks in the 7th percentile of 6 Banks - Regional sub-industry peers, fiscal period ending 2025-12-31.
As of . Source: SEC EDGAR XBRL company facts. Method and limitations.
Against 23 Banks - Regional peers
| Metric | COFS | Peer median | Percentile | n |
|---|---|---|---|---|
| Revenue FY | 228M USD | 11.6M USD | 79th | 6 |
| Revenue YoY | n/a | n/a | n/a | n/a |
| Gross margin | n/a | n/a | n/a | 1 |
| Operating margin | n/a | n/a | n/a | n/a |
| Net margin | 12.4% | 248.1% | 7th | 6 |
| Return on equity | 6.1% | 11.6% | 15th | 23 |
| P / E | 16.4x | 12.5x | 83rd | 20 |
| 1 year | n/a | n/a | n/a | n/a |
Source: SEC EDGAR XBRL company facts (public domain); prices from Kresmion's daily equity market-data snapshot. Fiscal period ending 2025-12-31. Prices as of 2026-09-22. Every fundamental figure is one full fiscal year from one filing. Nothing is trailing twelve months and nothing is converted between currencies. P/E combines the market-price snapshot with annual earnings; one-year return uses market prices, dated separately above. 0001193125-26-105046
Peer set, 23 companies
WTBA, PDLB, BSVN, OBT, BSRR, FFIC, BWFG, CZNC, HBCP, BMRC, RBB, CBK, CBAN, NRIM, PBFS, CIVB, NPB, PLBC, BWB, USCB, CBNK, UNTY, FBIZ
Left out: FMAO (no annual filing), PBAM (no annual filing).
What could not be compared
- 106 The filer did not report this line in the filing used.
- 23 The price series does not reach back to the start of this window.
- 4 Fewer than 5 peers carry a comparable value, so no median, quartile or percentile is published.
- 2 No annual filing (10-K, 20-F or 40-F) with fiscal-year figures.
- 2 The newest price is more than 10 days old.
- 1 The denominator is zero or negative, so the ratio has no meaning.
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Cite this data
Every fundamental figure is the full fiscal year reported on one annual SEC filing (10-K, 20-F or 40-F), named by accession. Peers are the company's GICS sub-industry. A median, quartile or percentile is published only when at least five peers carry a comparable value, and a peer reporting in another currency is excluded from a level rather than converted. P/E combines the market-price snapshot with annual earnings; one-year return uses market prices, dated separately above.
Upstream: SEC EDGAR XBRL company facts
Kresmion, "COFS relative value, Kresmion", data as of 2026-03-13, https://kresmion.com/tools/relative-value/COFS. Upstream data: SEC EDGAR XBRL company facts.