Basis: FMP quote price / unrounded diluted EPS from four consecutive issuer fiscal quarters. Source: stored company filings and market data; unavailable inputs remain N/A.
Is the P/E ratio high or low?
The P/E ratio of 9.15 is in line with its 5-year average of 8.83, near the low end of its 5-year range (5.24–24.21).
As of 2026-10-06T13:36:08.146Z. 43.05% below its 12-month average of 16.07.
Calculation as of: 2026-10-06T13:36:08.146Z.
Quote observation: 2026-10-06T13:35:00.000Z. Amounts in USD. The price header may show a later quote.
FMP input reference: deca577e403b00bc4eb78bee46d58ca9d88bdd9b73cee71a4e26fe14800f643c
PE Ratio (9.15) = Close Price ($33.21) / Diluted TTM EPS ($3.63)
PE RATIO
9.15
PE RATIO AVG TTM
16.07
PE RATIO AVG 3Y
13.48
PE RATIO AVG 5Y
8.83
PE RATIO AVG 10Y
12.56
PE RATIO AVG 15Y
11.96
PE RATIO AVG 20Y
12.29
CURRENT VS TTM AVG
-43.05%
CURRENT VS 3Y AVG
-32.11%
CURRENT VS 5Y AVG
+3.66%
CURRENT VS 10Y AVG
-27.18%
CURRENT VS 15Y AVG
-23.47%
CURRENT VS 20Y AVG
-25.56%
SECTOR MEDIAN · FINANCIAL SERVICES
13.48
median of 344 covered companies
CURRENT VS SECTOR MEDIAN
-32.10%
vs the sector median at left
ChoiceOne Financial Services, Inc.
Market Cap
$496.51M
PE Ratio
9.15
TTM Avg
16.07
3Y Avg
13.48
5Y Avg
8.83
Market Cap
$488.77M
PE Ratio
12.20
TTM Avg
11.22
3Y Avg
12.88
5Y Avg
12.77
Market Cap
$488.21M
PE Ratio
10.08
TTM Avg
8.73
3Y Avg
7.43
5Y Avg
12.28
Market Cap
$509.50M
PE Ratio
N/A
TTM Avg
1310.42
3Y Avg
1310.42
5Y Avg
1310.42
Market Cap
$473.69M
PE Ratio
78.54
TTM Avg
130.21
3Y Avg
130.21
5Y Avg
130.21
Market Cap
$471.85M
PE Ratio
41.29
TTM Avg
63.13
3Y Avg
63.13
5Y Avg
63.13
Market Cap
$471.48M
PE Ratio
74.61
TTM Avg
172.99
3Y Avg
172.99
5Y Avg
172.99
Market Cap
$528.70M
PE Ratio
12.35
TTM Avg
12.49
3Y Avg
12.53
5Y Avg
10.86
| NAME | MARKET CAP | PE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| ChoiceOne Financial Services, Inc. (COFS) | $496.51M | 9.15 | 16.07 | 13.48 | 8.83 |
| Farmers & Merchants Bancorp, Inc. (FMAO)vs › | $488.77M | 12.20 | 11.22 | 12.88 | 12.77 |
| Greenlight Capital Re, Ltd. (GLRE)vs › | $488.21M | 10.08 | 8.73 | 7.43 | 12.28 |
| Churchill Capital Corp XI (CCXI)vs › | $509.50M | N/A | 1310.42 | 1310.42 | 1310.42 |
| Sierra Bancorp (BSRR)vs › | $518.11M | 11.62 | 11.41 | 10.46 | 9.73 |
| Crane Harbor Acquisition Corp. II Class A Ordinary Shares (CRAN)vs › | $473.69M | 78.54 | 130.21 | 130.21 | 130.21 |
| Cantor Equity Partners IV, Inc. Class A Ordinary Shares (CEPF)vs › | $471.85M | 41.29 | 63.13 | 63.13 | 63.13 |
| Gores Holdings X, Inc. (GTEN)vs › | $471.48M | 74.61 | 172.99 | 172.99 | 172.99 |
| Bankwell Financial Group, Inc. (BWFG)vs › | $528.70M | 12.35 | 12.49 | 12.53 | 10.86 |
| Home Bancorp, Inc. (HBCP)vs › | $530.31M | 11.27 | 10.85 | 9.75 | 8.95 |
At 9.2, P/E is below its 20-year median — higher than 14% of readings in its 20-year history.
20-year low
5.2
median
12.7
20-year high
35.2
Trailing P/E
9.2
Forward P/E
9.0
Forward P/E is calculated using analyst consensus EPS estimates for the current or next fiscal year.
Calculation:
Current Price
$33.21
Forward EPS (Est.)
$3.70
Forward P/E
8.98
Source: FMP Analyst Consensus Estimates. Forward EPS represents the average analyst estimate for the nearest fiscal year.
PE Ratio = Share Price / Diluted EPS (TTM)
The price-to-earnings ratio measures how much investors pay for each dollar of trailing earnings. A lower PE can indicate a cheaper valuation; a higher PE implies higher growth expectations.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | PE RATIO |
|---|---|
| 2026-10-05 | 9.10 |
| 2026-10-02 | 9.12 |
| 2026-10-01 | 9.06 |
| 2026-09-30 | 8.90 |
| 2026-09-29 | 9.03 |
| 2026-09-28 | 9.08 |
| 2026-09-25 | 9.11 |
| 2026-09-24 | 9.06 |
| 2026-09-23 | 8.94 |
| 2026-09-22 | 9.06 |
| 2026-09-21 | 9.08 |
| 2026-09-18 | 9.18 |
| 2026-09-17 | 9.20 |
| 2026-09-16 | 9.19 |
| 2026-09-15 | 9.31 |
| 2026-09-14 | 9.41 |
| 2026-09-11 | 9.38 |
| 2026-09-10 | 9.35 |
| 2026-09-09 | 9.25 |
| 2026-09-08 | 9.31 |
| 2026-09-04 | 9.45 |
| 2026-09-03 | 9.38 |
| 2026-09-02 | 9.29 |
| 2026-09-01 | 9.12 |
| 2026-08-31 | 9.15 |
| 2026-08-28 | 9.19 |
| 2026-08-27 | 9.15 |
| 2026-08-26 | 9.25 |
| 2026-08-25 | 9.16 |
| 2026-08-24 | 9.15 |
| 2026-08-21 | 9.13 |
| 2026-08-20 | 9.16 |
| 2026-08-19 | 9.15 |
| 2026-08-18 | 9.37 |
| 2026-08-17 | 9.41 |
| 2026-08-14 | 9.47 |
| 2026-08-13 | 9.49 |
| 2026-08-12 | 9.47 |
| 2026-08-11 | 9.42 |
| 2026-08-10 | 9.19 |
| 2026-08-07 | 9.21 |
| 2026-08-06 | 9.29 |
| 2026-08-05 | 9.23 |
| 2026-08-04 | 9.32 |
| 2026-08-03 | 9.25 |
| 2026-07-31 | 9.20 |
| 2026-07-30 | 9.14 |
| 2026-07-29 | 9.29 |
| 2026-07-28 | 9.25 |
| 2026-07-27 | 9.17 |
| 2026-07-24 | 8.84 |
| 2026-07-23 | 9.10 |
| 2026-07-22 | 9.05 |
| 2026-07-21 | 9.35 |
| 2026-07-20 | 9.17 |
| 2026-07-17 | 9.17 |
| 2026-07-16 | 9.36 |
| 2026-07-15 | 9.07 |
| 2026-07-14 | 8.89 |
| 2026-07-13 | 9.00 |
| 2026-07-10 | 8.91 |
| 2026-07-09 | 8.85 |
| 2026-07-08 | 8.76 |
| 2026-07-07 | 8.96 |
| 2026-07-06 | 9.02 |
| 2026-07-02 | 9.17 |
| 2026-07-01 | 9.30 |
| 2026-06-30 | 9.19 |
| 2026-06-29 | 9.15 |
| 2026-06-26 | 8.89 |
| 2026-06-25 | 8.86 |
| 2026-06-24 | 8.94 |
| 2026-06-23 | 8.83 |
| 2026-06-22 | 8.67 |
| 2026-06-18 | 8.61 |
| 2026-06-17 | 8.70 |
| 2026-06-16 | 8.67 |
| 2026-06-15 | 8.63 |
| 2026-06-12 | 8.80 |
| 2026-06-11 | 8.76 |
| 2026-06-10 | 8.80 |
| 2026-06-09 | 8.76 |
| 2026-06-08 | 8.65 |
| 2026-06-05 | 8.59 |
| 2026-06-04 | 8.48 |
| 2026-06-03 | 8.25 |
| 2026-06-02 | 8.54 |
| 2026-06-01 | 8.38 |
| 2026-05-29 | 8.49 |
| 2026-05-28 | 8.49 |
| 2026-05-27 | 8.53 |
| 2026-05-26 | 8.61 |
| 2026-05-22 | 8.50 |
| 2026-05-21 | 8.54 |
| 2026-05-20 | 8.47 |
| 2026-05-19 | 8.35 |
| 2026-05-18 | 8.34 |
| 2026-05-15 | 8.18 |
| 2026-05-14 | 8.23 |
| 2026-05-13 | 8.22 |
| 2026-05-12 | 8.34 |
| 2026-05-11 | 20.77 |
| 2026-05-08 | 21.13 |
| 2026-05-07 | 21.14 |
| 2026-05-06 | 20.91 |
| 2026-05-05 | 20.70 |
| 2026-05-04 | 20.29 |
| 2026-05-01 | 20.54 |
| 2026-04-30 | 20.15 |
| 2026-04-29 | 20.18 |
| 2026-04-28 | 20.62 |
| 2026-04-27 | 20.23 |
| 2026-04-24 | 20.66 |
| 2026-04-23 | 20.26 |
| 2026-04-22 | 20.20 |
| 2026-04-21 | 20.25 |
| 2026-04-20 | 20.68 |
| 2026-04-17 | 20.77 |
| 2026-04-16 | 20.01 |
| 2026-04-15 | 20.15 |
| 2026-04-14 | 20.38 |
| 2026-04-13 | 20.40 |
| 2026-04-10 | 20.15 |
| 2026-04-09 | 20.35 |
| 2026-04-08 | 19.68 |
| 2026-04-07 | 19.34 |
| 2026-04-06 | 19.19 |
| 2026-04-02 | 19.13 |
| 2026-04-01 | 19.05 |
| 2026-03-31 | 18.87 |
| 2026-03-30 | 18.66 |
| 2026-03-27 | 18.27 |
| 2026-03-26 | 18.56 |
| 2026-03-25 | 18.50 |
| 2026-03-24 | 18.56 |
| 2026-03-23 | 18.71 |
| 2026-03-20 | 18.45 |
| 2026-03-19 | 18.50 |
| 2026-03-18 | 18.14 |
| 2026-03-17 | 18.48 |
| 2026-03-16 | 18.49 |
| 2026-03-13 | 19.33 |
| 2026-03-12 | 19.66 |
| 2026-03-11 | 19.64 |
| 2026-03-10 | 19.89 |
| 2026-03-09 | 19.82 |
| 2026-03-06 | 20.06 |
| 2026-03-05 | 20.18 |
| 2026-03-04 | 20.98 |
| 2026-03-03 | 20.99 |
| 2026-03-02 | 20.87 |
| 2026-02-27 | 20.30 |
| 2026-02-26 | 20.94 |
| 2026-02-25 | 20.91 |
| 2026-02-24 | 20.35 |
| 2026-02-23 | 20.52 |
| 2026-02-20 | 21.08 |
| 2026-02-19 | 20.77 |
| 2026-02-18 | 20.40 |
| 2026-02-17 | 20.38 |
| 2026-02-13 | 20.40 |
| 2026-02-12 | 20.60 |
| 2026-02-11 | 20.91 |
| 2026-02-10 | 20.96 |
| 2026-02-09 | 21.12 |
| 2026-02-06 | 21.51 |
| 2026-02-05 | 21.29 |
| 2026-02-04 | 21.60 |
| 2026-02-03 | 21.50 |
| 2026-02-02 | 21.03 |
| 2026-01-30 | 20.35 |
| 2026-01-29 | 20.96 |
| 2026-01-28 | 20.21 |
| 2026-01-27 | 20.70 |
| 2026-01-26 | 20.52 |
| 2026-01-23 | 20.45 |
| 2026-01-22 | 20.94 |
| 2026-01-21 | 20.81 |
| 2026-01-20 | 19.94 |
| 2026-01-16 | 20.23 |
| 2026-01-15 | 20.32 |
| 2026-01-14 | 19.87 |
| 2026-01-13 | 19.63 |
| 2026-01-12 | 19.74 |
| 2026-01-09 | 19.94 |
| 2026-01-08 | 20.33 |
| 2026-01-07 | 20.25 |
| 2026-01-06 | 20.87 |
| 2026-01-05 | 20.77 |
| 2026-01-02 | 20.55 |
| 2025-12-31 | 20.94 |
| 2025-12-30 | 20.91 |
| 2025-12-29 | 21.18 |
| 2025-12-26 | 21.36 |
| 2025-12-24 | 21.62 |
| 2025-12-23 | 21.73 |
| 2025-12-22 | 21.87 |
| 2025-12-19 | 21.61 |
| 2025-12-18 | 22.87 |
| 2025-12-17 | 22.59 |
| 2025-12-16 | 22.65 |
| 2025-12-15 | 22.60 |
| 2025-12-12 | 22.62 |
| 2025-12-11 | 22.67 |
| 2025-12-10 | 22.62 |
| 2025-12-09 | 22.34 |
| 2025-12-08 | 22.20 |
| 2025-12-05 | 22.16 |
| 2025-12-04 | 22.43 |
| 2025-12-03 | 22.48 |
| 2025-12-02 | 21.61 |
| 2025-12-01 | 21.62 |
| 2025-11-28 | 21.59 |
| 2025-11-26 | 21.70 |
| 2025-11-25 | 21.80 |
| 2025-11-24 | 21.11 |
| 2025-11-21 | 21.26 |
| 2025-11-20 | 20.32 |
| 2025-11-19 | 20.42 |
| 2025-11-18 | 20.31 |
| 2025-11-17 | 20.28 |
| 2025-11-14 | 21.12 |
| 2025-11-13 | 21.12 |
| 2025-11-12 | 20.88 |
| 2025-11-11 | 20.77 |
| 2025-11-10 | 22.74 |
| 2025-11-07 | 22.77 |
| 2025-11-06 | 22.80 |
| 2025-11-05 | 23.03 |
| 2025-11-04 | 22.38 |
| 2025-11-03 | 22.40 |
| 2025-10-31 | 22.20 |
| 2025-10-30 | 22.35 |
| 2025-10-29 | 22.49 |
| 2025-10-28 | 23.33 |
| 2025-10-27 | 23.56 |
| 2025-10-24 | 23.71 |
| 2025-10-23 | 21.26 |
| 2025-10-22 | 21.47 |
| 2025-10-21 | 21.36 |
| 2025-10-20 | 21.26 |
| 2025-10-17 | 20.43 |
| 2025-10-16 | 20.38 |
| 2025-10-15 | 21.55 |
| 2025-10-14 | 21.82 |
| 2025-10-13 | 21.11 |
| 2025-10-10 | 20.95 |
| 2025-10-09 | 21.67 |
| 2025-10-08 | 21.79 |
| 2025-10-07 | 22.09 |
| 2025-10-06 | 22.18 |
| 2025-10-03 | 22.03 |
| 2025-10-02 | 21.78 |
| 2025-10-01 | 22.04 |
| 2025-09-30 | 22.45 |
| 2025-09-29 | 22.60 |
| 2025-09-26 | 22.75 |
| 2025-09-25 | 22.82 |
| 2025-09-24 | 22.81 |
| 2025-09-23 | 22.88 |
Showing the most recent 260 of 5,030 data points. The chart above shows the full history.