Is COFS or CPF more undervalued in 2026?

CirclFi compares ChoiceOne Financial Services, I (COFS) and Central Pacific Financial Corp (CPF) using 13 institutional-grade valuation models. COFS has a Quality of Company score of 8.2/10 while CPF scores 9.5/10.

Which is a better buy — COFS or CPF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do COFS and CPF valuations compare?

COFS at $31.42 and CPF at $34.73 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

COFS vs CPF Valuation Comparison 2026 — Intrinsic Value Analysis

COFS

Banks - Regional

ChoiceOne Financial Services, I

Quality

8.2

out of 10

Value Trap

LOW

Price

$31.42

Last close

Models

11/13

Active

CPF

Banks - Regional

Central Pacific Financial Corp

Quality

9.5

out of 10

Value Trap

—

Price

$34.73

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	COFS Fair Value	COFS Upside	CPF Fair Value	CPF Upside
Bayesian DCF	Intrinsic	$14.67	-53.3%	$28.94	-16.7%
Earnings Power Value	Intrinsic	$38.58	+22.8%	$36.83	+6.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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COFS vs CPF — Which Stock Is More Undervalued?

CPF scores higher with a 9.5/10 quality rating vs COFS's 8.2/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing ChoiceOne Financial Services, I (COFS) and Central Pacific Financial Corp (CPF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

COFS currently trades at $31.42 with a QOC of 8.2/10, while CPF trades at $34.73 with a QOC of 9.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).