What is the 13F Pro Quality Score for COFS?

13F Pro ranks CHOICEONE FINANCIAL SERVICES INC (COFS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View COFS's current score at https://13fpro.ai/research/COFS (free sign-up required for the full ranking).

Which hedge funds own the most COFS stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of COFS include BlackRock,, NORTHERN, VANGUARD CAPITAL MANAGEMENT. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/COFS as soon as new 13F filings post.

Where does 13F Pro source COFS data?

All CHOICEONE FINANCIAL SERVICES INC fundamentals and ownership data come directly from SEC EDGAR. CHOICEONE FINANCIAL SERVICES INC files with the SEC under CIK 803164. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is COFS in?

CHOICEONE FINANCIAL SERVICES INC (COFS) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is COFS research updated on 13F Pro?

COFS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CHOICEONE FINANCIAL SERVICES INC(COFS)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Financials →Nasdaq

Institutional-grade research for retail investors

SEC EDGAR: CIK 803164 COFS stock profile & AI dashboard →

13F Pro Quality Score

66.3/100

Rank #531 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

85.9/100

Profitability

96.8/100

Balance Sheet

38.9/100

Earnings Quality

38.9/100

Free Cash Flow

87.7/100

Institutional Flow

83.6/100

Revenue Scale

4.7/100

Dilution Risk

79.0/100

COFS Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CHOICEONE FINANCIAL SERVICES INC (COFS), a Financials sector company. 13F Pro's AI-powered ranking engine scores COFS at 66.3/100 on a 32-signal composite quality model, placing it at rank #531 of 2,879 stocks — the top 25% of the AI-ranked universe. COFS scores in the top quartile across profitability (96.8), free cash flow (87.7), revenue growth (85.9). Areas of concern include revenue scale (4.7) and balance sheet strength (38.9), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2025), CHOICEONE FINANCIAL SERVICES INC reports quarterly revenue of $60.5M, net income of $13.9M, an operating margin of 27.8%. Top institutional holders of COFS by reported 13-F value include BlackRock,, NORTHERN, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. COFS trades on the Nasdaq exchange and files with the SEC under CIK 803164. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate COFS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CHOICEONE FINANCIAL SERVICES INC directly from SEC EDGAR. CHOICEONE FINANCIAL SERVICES INC's 13F Pro composite quality score has ranged between 34 and 67 since 2025, currently 66.3 — an improving long-term trajectory across 12 quarterly and live scoring snapshots.

✦

Fun facts about CHOICEONE FINANCIAL SERVICES INC

Quirks, history, and lore behind COFS — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company operating in the Midwest · small-cap · listed on Nasdaq.
2
The Numbers
Total assets in the range of roughly $2 billion — the kind of bank where the CEO probably knows your name and your dog's name.
3
The History
Rooted in west Michigan, it has grown through community bank acquisitions, stitching together a patchwork of local lenders into one regional franchise.
4
The Secret
Its bread and butter is traditional community banking — think commercial loans, mortgages, and deposit accounts for local businesses and families, not Wall Street.
5
The Lore
The name itself is a philosophical statement: it promises customers a choice — one of those earnest small-bank monikers that doubles as a mission statement.
6
The Giveaway
Headquartered in Sparta, Michigan, this ChoiceOne-branded community bank holding company trades under a ticker that sounds like a very wholesome coffee order.

▶ Think you know your stocks? Play the Daily Ticker

Revenue

Q4 2025

$60.5M

Net Income

Q4 2025

$13.9M

Free Cash Flow

Q4 2025

$11.9M

Operating Margin

Q4 2025

27.8%

ROIC

Q4 2025

3.6%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+56.1% YoY

$139.1MFY 2024

FY20 —FY21 —FY22 $89.1MFY24 $139.1M

Net Income

+13.1% YoY

$26.7MFY 2024

FY20 $15.6MFY21 $22.0MFY22 $23.6MFY24 $26.7M

EPS (Diluted)

+3.2% YoY

$3.25FY 2024

FY20 $2.07FY21 $2.86FY22 $3.15FY24 $3.25

Total Assets

+14.1% YoY

$2.72BFY 2024

FY20 $1.92BFY21 $2.37BFY22 $2.39BFY24 $2.72B

Op. Cash Flow

+6.2% YoY

$47.1MFY 2024

FY20 $8.5MFY21 $37.7MFY22 $44.3MFY24 $47.1M

Metric	FY 2024	FY 2022	FY 2021	FY 2020	FY 2019	FY 2017
Revenue	$139.1M +56.1%	$89.1M	—	—	—	—
Net Income	$26.7M +13.1%	$23.6M +7.2%	$22.0M +41.2%	$15.6M +117.7%	$7.2M +16.3%	$6.2M
EPS (Diluted)	$3.25 +3.2%	$3.15 +10.1%	$2.86 +38.2%	$2.07 +31.0%	$1.58 +85.9%	$0.85
Total Assets	$2.72B +14.1%	$2.39B +0.8%	$2.37B +23.3%	$1.92B +38.5%	$1.39B +114.4%	$646.5M
Operating Cash Flow	$47.1M +6.2%	$44.3M +17.6%	$37.7M +344.7%	$8.5M -7.9%	$9.2M +13.7%	$8.1M

Get alerted when COFS's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for CHOICEONE FINANCIAL SERVICES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of COFS

BlackRock, Inc.
$27.1M963,229 sh
NORTHERN TRUST CORP
$19.5M691,783 sh
VANGUARD CAPITAL MANAGEMENT LLC
$17.8M633,148 sh
ALLIANCEBERNSTEIN L.P.
$10.6M358,495 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.9M350,635 sh
STATE STREET CORP
$9.0M321,173 sh
DIMENSIONAL FUND ADVISORS LP
$6.8M240,425 sh
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$6.4M226,080 sh
ProShare Advisors LLC
$6.2M221,299 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$6.2M221,280 sh

Fund	Value	Shares
BlackRock, Inc.	$27.1M	963,229
NORTHERN TRUST CORP	$19.5M	691,783
VANGUARD CAPITAL MANAGEMENT LLC	$17.8M	633,148
ALLIANCEBERNSTEIN L.P.	$10.6M	358,495
GEODE CAPITAL MANAGEMENT, LLC	$9.9M	350,635
STATE STREET CORP	$9.0M	321,173
DIMENSIONAL FUND ADVISORS LP	$6.8M	240,425
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC	$6.4M	226,080
ProShare Advisors LLC	$6.2M	221,299
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$6.2M	221,280

More Financials Companies

View all Financials →

AAAU

Goldman Sachs Physical Gold ETF

AACB

Artius II Acquisition Inc.

AACI

Armada Acquisition Corp. III

AACO

Abony Acquisition Corp. I

AACP

Apogee Acquisition Corp

AAC-UN

Ares Acquisition Corp III

AAME

ATLANTIC AMERICAN CORP

AAMI

Acadian Asset Management Inc.

Put COFS on your watchlist

Track score changes the day CHOICEONE FINANCIAL SERVICES INC files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is COFS a good stock to buy?

13F Pro's AI-powered analysis of CHOICEONE FINANCIAL SERVICES INC (COFS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for COFS are available on the COFS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own COFS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling COFS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CHOICEONE FINANCIAL SERVICES INC's investment landscape.