COFS
Choiceone Financial Services
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: COFS
- PE Ratio
As at Jun 3, 2026, the COFS stock has a PE ratio of 8.12. This is based on the current EPS of $3.76 and the stock price of $30.52 per share. A decrease of 51% has been seen in the P/E ratio compared to the average of 16.5 of the last 4 quarters.
COFS PE ratio history
The mean historical PE ratio of Choiceone Financial Services over the last seven years is 11.72. The current 8.12 PE ratio is 31% below the historical average. Over the past seven years, COFS's PE ratio was at its highest in the Mar 2025 quarter at 23.58, with a price of $28.77 and an EPS of $1.22. The Sep 2023 quarter recorded the bottom point at 6.52, with a price of $19.64 and an EPS of $3.01.
Choiceone Financial Services PE ratio by year
Maximum annual increase: 34.04% in 2025
Maximum annual decrease: -37.68% in 2021
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 14.61 | 34.04% | $29.52 | $2.02 |
| 2024 | 10.9 | 4.91% | $35.64 | $3.27 |
| 2023 | 10.39 | 12.81% | $29.3 | $2.82 |
| 2022 | 9.21 | -0.22% | $29 | $3.15 |
| 2021 | 9.23 | -37.68% | $26.49 | $2.87 |
| 2020 | 14.81 | N/A | $30.81 | $2.08 |
| 2019 | N/A | N/A | N/A | $1.58 |
| 2018 | N/A | N/A | N/A | $2.03 |
| 2017 | N/A | N/A | N/A | $1.7 |
| 2016 | N/A | N/A | N/A | $1.68 |
| 2015 | N/A | N/A | N/A | $1.59 |
Choiceone Financial Services PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 7.48 | -48.8% | $28.12 | $3.76 |
| Dec 2025 | 14.61 | -30.89% | $29.52 | $2.02 |
| Sep 2025 | 21.14 | -7.93% | $28.96 | $1.37 |
| Jun 2025 | 22.96 | -2.63% | $28.7 | $1.25 |
| Mar 2025 | 23.58 | 116.33% | $28.77 | $1.22 |
| Dec 2024 | 10.9 | 12.14% | $35.64 | $3.27 |
| Sep 2024 | 9.72 | 1.78% | $30.91 | $3.18 |
| Jun 2024 | 9.55 | -1.55% | $28.65 | $3 |
| Mar 2024 | 9.7 | -6.64% | $27.35 | $2.82 |
| Dec 2023 | 10.39 | 59.36% | $29.3 | $2.82 |
| Sep 2023 | 6.52 | -12.13% | $19.64 | $3.01 |
| Jun 2023 | 7.42 | -7.13% | $23 | $3.1 |
| Mar 2023 | 7.99 | -13.25% | $25.24 | $3.16 |
| Dec 2022 | 9.21 | 24.29% | $29 | $3.15 |
| Sep 2022 | 7.41 | 7.08% | $21.72 | $2.93 |
COFS Price vs fair value
COFS average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
Currently, COFS's PE ratio is below the 3 and 5-year averages.
PE comparison
With a P/E of 8.12, COFS is below the Financial Services sector, the industry and its peers average. Compared to its Financial Services sector average of 12.1, Choiceone Financial Services's P/E is 33% lower.
COFS PE vs peers
COFS's PE ratio is lower than its peer stocks FMBH and FISI. Choiceone Financial Services's current PE ratio of 8.12 is below the average of its peers, which is 11.79.
| Stock name | PE ratio | Market cap |
|---|---|---|
| COFS Choiceone Financial Services, Inc. | 8.34 | $469.77M |
| FISI Financial Institutions Inc | 9.46 | $720.91M |
| FUNC First United Corp | 10.16 | $256.06M |
| ACNB Acnb Corp | 11.05 | $552.78M |
| FMBH First Mid Bancshares Inc | 11.24 | $1.19B |
| ASRV Ameriserv Financial Inc | 11.45 | $64.12M |
| CZNC Citizens & Northern Corp | 19.35 | $374.46M |
Frequently asked questions
What is Choiceone Financial Services's PE ratio?
The price to earnings ratio for COFS stock is 8.12 as of Jun 3, 2026.
What is the 3-year average PE ratio for Choiceone Financial Services (COFS)?
As an average over the last 3 years, COFS stock has a PE ratio of 12.83.
What is the 5-year average PE ratio for Choiceone Financial Services (COFS)?
As an average over the last 5 years, COFS stock has a PE ratio of 11.13.
What is the highest PE ratio for COFS?
The highest quarterly PE ratio in the last seven years has been 23.58 and it was in the Mar 2025 quarter.
How does the current PE ratio for COFS compare to its historical average?
COFS's current price to earnings ratio is 31% below its 7-year historical average.
Why is Choiceone Financial Services's PE ratio so low?
COFS's stock price is trading at a lower multiple of earnings, which is why its PE ratio of 8.12 is considered low.
How is COFS's PE ratio calculated (Choiceone Financial Services PE ratio formula)?
The PE ratio is calculated by taking the latest stock price and dividing it by the EPS for the last 12 months. As of today (Jun 3, 2026), Choiceone Financial Services's stock price is $30.52. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $3.76. Therefore, Choiceone Financial Services's P/E ratio for today is 8.12. PE RATIO(8.12) = STOCK PRICE($30.52) / TTM EPS($3.76)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.