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as of 03-04-2026 3:56pm EST

$29.58
$0.02
-0.07%
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ChoiceOne Financial Services Inc is a full-service banking institution. It is engaged in the business of providing personal and business banking solutions, borrowing solutions, and treasury notes and bonds services. The bank's product and services portfolio consist of time, savings and demand deposits, safe deposit services, automated transaction machine services, commercial and consumer loans, commercial lending to business, industry, agricultural, construction, inventory, and real estate categories. Its primary market area is Kent, Muskegon, Newaygo, and Ottawa counties in western Michigan, and Lapeer, Macomb, and St. Clair counties in southeastern Michigan in the communities where the Bank's respective offices are located.

Founded: 1898 Country:
United States
United States
Employees: N/A City: SPARTA
Market Cap: 443.5M IPO Year: 1995
Target Price: $36.00 AVG Volume (30 days): 82.5K
Analyst Decision: Buy Number of Analysts: 2
Dividend Yield:
3.94%
Dividend Payout Frequency: quarterly
EPS: 1.05 EPS Growth: 15.25
52 Week Low/High: $24.89 - $33.58 Next Earning Date: 05-01-2026
Revenue: $139,099,000 Revenue Growth: 22.14%
Revenue Growth (this year): 21.87% Revenue Growth (next year): 4.47%
P/E Ratio: 28.18 Index: N/A
Free Cash Flow: 46.9M FCF Growth: N/A

AI-Powered COFS Daily Prediction

Machine learning model trained on 25+ technical indicators

Updated a day ago

AI Recommendation

hold
Model Accuracy: 83.61%
83.61%
Confidence

Disclaimer: This prediction is generated by an AI model and should not be considered as financial advice. Always conduct your own research and consult with financial professionals before making investment decisions.

Stock Insider Trading Activity of ChoiceOne Financial Services Inc. (COFS)

Buy
COFS Feb 27, 2026

Avg Cost/Share

$28.58

Shares

250

Total Value

$7,145.00

Owned After

2,891.08

SEC Form 4

COFS Feb 13, 2026

Avg Cost/Share

$29.05

Shares

1,550

Total Value

$45,005.00

Owned After

34,950

Sell
COFS Feb 11, 2026

Avg Cost/Share

$29.56

Shares

15,000

Total Value

$443,400.00

Owned After

91,107

SEC Form 4

Earnings Transcripts

SEC 8-K filings with transcript text

View All
2025
Q4

Q4 2025 Earnings

8-K BUY

Jan 30, 2026 · 100% conf.

AI Prediction BUY

1D

+8.07%

$31.02

5D

+7.85%

$30.95

20D

+13.06%

$32.45

Price: $28.70 Prob +5D: 100% AUC: 1.000
0001193125-26-030504

8-K

false000080316400008031642026-01-302026-01-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) January 30, 2026

ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter)

Michigan (State or Other Jurisdiction of Incorporation)

001-39209 (Commission File Number)

38-2659066 (IRS Employer Identification No.)

109 East Division Street Sparta, Michigan (Address of Principal Executive Offices)

49345 (Zip Code)

Registrant's telephone number, including area code: (616) 887-7366

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common stock

COFS

NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operations and Financial Condition.

On January 30, 2026, ChoiceOne Financial Services, Inc. issued the press release attached as Exhibit 99.1 to this Form 8-K, which is here incorporated by reference. This Report and the Exhibit are furnished to, and not filed with, the Commission.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits:

99.1

Press Release dated January 30, 2026. This Exhibit is furnished to, and not filed with, the Commission.

104

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:

January 30, 2026

CHOICEONE FINANCIAL SERVICES, INC.

(Registrant)

By:

/s/ Adom J. Greenland

Adom J. Greenland Its Chief Financial Officer and Treasurer

2025
Q2

Q2 2025 Earnings

8-K

Jul 25, 2025

0000950170-25-098569

8-K

false000080316400008031642025-07-252025-07-25

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) July 25, 2025

ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter)

Michigan (State or Other Jurisdiction of Incorporation)

001-39209 (Commission File Number)

38-2659066 (IRS Employer Identification No.)

109 East Division Street Sparta, Michigan (Address of Principal Executive Offices)

49345 (Zip Code)

Registrant's telephone number, including area code: (616) 887-7366

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common stock

COFS

NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operations and Financial Condition.

On July 25, 2025, ChoiceOne Financial Services, Inc. issued the press release attached as Exhibit 99.1 to this Form 8-K, which is here incorporated by reference. This Report and the Exhibit are furnished to, and not filed with, the Commission.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits:

99.1

Press Release dated July 25, 2025. This Exhibit is furnished to, and not filed with, the Commission.

104

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:

July 25, 2025

CHOICEONE FINANCIAL SERVICES, INC.

(Registrant)

By:

/s/ Adom J. Greenland

Adom J. Greenland Its Chief Financial Officer and Treasurer

2025
Q1

Q1 2025 Earnings

8-K

Apr 30, 2025

0000950170-25-060598

8-K

false000080316400008031642025-04-302025-04-30

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) April 30, 2025

ChoiceOne Financial Services, Inc. (Exact Name of Registrant as Specified in its Charter)

Michigan (State or Other Jurisdiction of Incorporation)

001-39209 (Commission File Number)

38-2659066 (IRS Employer Identification No.)

109 East Division Street Sparta, Michigan (Address of Principal Executive Offices)

49345 (Zip Code)

Registrant's telephone number, including area code: (616) 887-7366

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading symbol(s)

Name of each exchange on which registered

Common stock

COFS

NASDAQ Capital Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02

Results of Operations and Financial Condition.

On April 30, 2025, ChoiceOne Financial Services, Inc. issued the press release attached as Exhibit 99.1 to this Form 8-K, which is here incorporated by reference. This Report and the Exhibit are furnished to, and not filed with, the Commission.

Item 9.01

Financial Statements and Exhibits.

(d)

Exhibits:

99.1

Press Release dated April 30, 2025. This Exhibit is furnished to, and not filed with, the Commission.

104

104

Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated:

April 30, 2025

CHOICEONE FINANCIAL SERVICES, INC.

(Registrant)

By:

/s/ Adom J. Greenland

Adom J. Greenland Its Chief Financial Officer and Treasurer

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