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/company/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/company/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.

What drives COFS's revenue?

Per CHOICEONE FINANCIAL SERVICES INC's latest 10-Q filed with the SEC on 2026-08-10, the biggest revenue drivers are: Net Interest Income ($73.3M, +17.1% YoY); Noninterest Income ($10.8M, -5.9% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/COFS.

What are COFS's largest expenses?

CHOICEONE FINANCIAL SERVICES INC's latest 10-Q reports these as the largest expense items: Salaries and Benefits ($28.5M, +18.6% YoY); Provision for Credit Losses ($0.55M, -96.0% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

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13F Pro Quality Score

68.0/100

Rank #336 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

93.8/100

Profitability

86.5/100

Balance Sheet

46.4/100

Earnings Quality

39.2/100

Free Cash Flow

74.4/100

Institutional Flow

46.0/100

Revenue Scale

26.2/100

Dilution Risk

79.0/100

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Why COFS Scores 68/100

exact factor attribution · 2026-09-11

COFS's composite is driven by revenue growth and profitability, held back by scale and earnings quality. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+11.7 pts

94th pct

Profitability

+7.3 pts

87th pct

Free cash flow

+3.7 pts

74th pct

Earnings growth

+2.6 pts

89th pct

Shareholder dilution

+1.9 pts

79th pct

Institutional flow

-0.3 pts

46th pct

Capital efficiency

-0.5 pts

46th pct

Earnings quality

-1.1 pts

39th pct

Scale

-4.8 pts

26th pct

Latest change (2026-08-10): 66 → 67 · ↑ Earnings growth 39→76; ↑ Free cash flow 88→97; despite ↓ Dilution 79→28

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

COFS Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 68.0/100 on a 32-signal composite quality model, placing it at rank #336 of 2,961 stocks — the top 25% of the AI-ranked universe. COFS scores in the top quartile across revenue growth (93.8), profitability (86.5). Areas of concern include revenue scale (26.2) and earnings quality (39.2), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), CHOICEONE FINANCIAL SERVICES INC reports quarterly revenue of $58.9M, net income of $12.5M, an operating margin of 25.5%. 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 68 since 2025, currently 68.0 — an improving long-term trajectory across 52 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.

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What's Driving COFS's Business? Latest 10-Q Breakdown

AI-extracted from CHOICEONE FINANCIAL SERVICES INC's 10-Q filed 2026-08-10 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

ChoiceOne reported net income of $12.5M in Q2 2026 with diluted EPS of $0.83, benefiting from $101.5M organic loan growth and improved funding costs, though partially offset by a $1.9M securities loss.

Biggest Revenue Drivers

Net Interest Income$73.3M+17.1% YoY

Driven by $546M increase in average earning assets and lower cost funding base, partially offset by declining yields on purchased loan accretion.

Noninterest Income$10.8M-5.9% YoY

Declined primarily due to $2.1M loss on securities sales in the period, partially offset by gains in customer service charges and interchange income.

Biggest Revenue Drivers

Total revenue: $117.97B+12.0% YoY

Net Interest Income$73.3M+17.1% YoY

Driven by $546M increase in average earning assets and lower cost funding base, partially offset by declining yields on purchased loan accretion.

Noninterest Income$10.8M-5.9% YoY

Declined primarily due to $2.1M loss on securities sales in the period, partially offset by gains in customer service charges and interchange income.

Largest Expense Items

Salaries and Benefits$28.5M+18.6% YoY

Higher expenses associated with company growth and integration activities from the Fentura merger.

Provision for Credit Losses$0.55M-96.0% YoY

Lower provision as prior year included $12.0M charge for acquisition of purchased loans without credit deterioration in Fentura merger.

Margins: Net interest margin (GAAP) was 3.59% in Q2 2026 versus 3.66% in Q2 2025, an 7 basis point decline largely attributable to lower accretion income from purchased loans (24 bps vs. 36 bps). Excluding accretion, underlying margin remained relatively stable as lower earning asset yields were offset by continued improvement in funding costs.

Watch Items from the Filing

Nonperforming loans increased to 1.07% of total loans as of June 30, 2026 from 1.01% on March 31, 2026; however, 0.49% is attributed to purchased credit deteriorated loans with corresponding reserves and 30.6% carry SBA/USDA government guarantees.
Uninsured deposits represent 33.1% of total deposits ($1.2B) as of June 30, 2026, presenting potential deposit flight risk in periods of financial stress or higher rates.
Interest income from purchased loan accretion declining materially: $2.4M in Q2 2026 vs. $3.5M in Q2 2025; estimated $48.0M remaining to be recognized over life of portfolio, down from higher run rates.
ChoiceOne Bank remains well-capitalized with total risk-based capital ratio of 12.9% as of June 30, 2026 and total available borrowing capacity of $1.1B, providing substantial liquidity cushion.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$58.9M

Net Income

Q2 2026

$12.5M

Free Cash Flow

Q2 2026

$27.1M

Operating Margin

Q2 2026

25.5%

ROIC

Q2 2026

12.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+63.6% YoY

$227.6MFY 2025

FY22 $89.1MFY23 $113.9MFY24 $139.1MFY25 $227.6M

Net Income

+5.4% YoY

$28.2MFY 2025

FY22 $23.6MFY23 $21.3MFY24 $26.7MFY25 $28.2M

EPS (Diluted)

-38.2% YoY

$2.01FY 2025

FY22 $3.15FY23 $2.82FY24 $3.25FY25 $2.01

Total Assets

+62.0% YoY

$4.41BFY 2025

FY22 $2.39BFY23 $2.58BFY24 $2.72BFY25 $4.41B

Op. Cash Flow

-32.4% YoY

$31.8MFY 2025

FY22 $44.3MFY23 $46.3MFY24 $47.1MFY25 $31.8M

Free Cash Flow

-44.5% YoY

$25.2MFY 2025

FY22 $43.2MFY23 $42.1MFY24 $45.4MFY25 $25.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$227.6M +63.6%	$139.1M +22.1%	$113.9M +27.8%	$89.1M +11.6%	$79.8M +8.2%	$73.8M
Net Income	$28.2M +5.4%	$26.7M +25.7%	$21.3M -10.1%	$23.6M +7.2%	$22.0M +41.2%	$15.6M
EPS (Diluted)	$2.01 -38.2%	$3.25 +15.2%	$2.82 -10.5%	$3.15 +10.1%	$2.86 +38.2%	$2.07
Total Assets	$4.41B +62.0%	$2.72B +5.7%	$2.58B +8.0%	$2.39B +0.8%	$2.37B +23.3%	$1.92B
Operating Cash Flow	$31.8M -32.4%	$47.1M +1.6%	$46.3M +4.5%	$44.3M +17.6%	$37.7M +344.7%	$8.5M
Free Cash Flow	$25.2M -44.5%	$45.4M +7.8%	$42.1M -2.5%	$43.2M +23.5%	$34.9M +427.3%	$6.6M

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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.
$37.0M1,086,956 sh
NORTHERN TRUST CORP
$23.0M676,173 sh
VANGUARD CAPITAL MANAGEMENT LLC
$21.2M624,274 sh
STATE STREET CORP
$15.2M447,442 sh
GEODE CAPITAL MANAGEMENT, LLC
$13.0M380,890 sh
DIMENSIONAL FUND ADVISORS LP
$9.8M288,653 sh
ALLIANCEBERNSTEIN L.P.
$9.6M342,635 sh
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$7.7M227,280 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$7.5M219,602 sh
AQR CAPITAL MANAGEMENT LLC
$7.0M205,739 sh

Fund	Value	Shares
BlackRock, Inc.	$37.0M	1,086,956
NORTHERN TRUST CORP	$23.0M	676,173
VANGUARD CAPITAL MANAGEMENT LLC	$21.2M	624,274
STATE STREET CORP	$15.2M	447,442
GEODE CAPITAL MANAGEMENT, LLC	$13.0M	380,890
DIMENSIONAL FUND ADVISORS LP	$9.8M	288,653
ALLIANCEBERNSTEIN L.P.	$9.6M	342,635
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC	$7.7M	227,280
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$7.5M	219,602
AQR CAPITAL MANAGEMENT LLC	$7.0M	205,739

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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. COFS is classified as a small company.

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.