What SEC filings does ChoiceOne Financial Services, Inc. submit to the SEC?

ChoiceOne Financial Services, Inc. (COFS) submits several types of SEC filings including Form 4 (insider transactions), Form 144 (proposed insider sales), 8-K reports (material events such as earnings releases, acquisitions, leadership changes), and periodic reports — the 10-Q (quarterly) and 10-K (annual). All filings are publicly available through SEC EDGAR.

What does a Form 4 filing tell me about COFS?

A Form 4 for COFS discloses a transaction by a company insider — typically a director, officer, or 10%+ shareholder. It shows the source-reported date, number of shares, price, and updated ownership. These facts do not establish motive or predict future returns.

How do I interpret an 8-K filing from ChoiceOne Financial Services, Inc.?

An 8-K signals a material event requiring prompt disclosure. Common triggers include earnings pre-announcements, acquisitions, leadership appointments or departures, credit changes, or regulatory actions. Read the item codes inside the filing to understand exactly what was disclosed before drawing conclusions.

What is the difference between a 10-K and 10-Q for COFS?

The 10-K is ChoiceOne Financial Services, Inc.'s annual report with fully audited financial statements, comprehensive MD&A, and complete risk factor disclosures — filed 60–90 days after fiscal year-end. The 10-Q is a lighter quarterly report with unaudited financials filed for the first three quarters. Together they provide a continuous financial picture of the company.

Where can I see all COFS SEC filings directly on EDGAR?

You can view all historical ChoiceOne Financial Services, Inc. filings on the SEC EDGAR company page for COFS. Each filing card on this page links directly to the original SEC document.

How often does ChoiceOne Financial Services, Inc. file with the SEC?

ChoiceOne Financial Services, Inc. files one 10-K per year and up to three 10-Qs per year. Form 4 insider transactions must be reported within two business days of each trade, so the frequency depends on how often insiders are buying or selling COFS shares. 8-K filings occur whenever a material event happens — which can be several times per quarter for an active company.

COFS SEC Filing News — ChoiceOne Financial Services, Inc.

Latest SEC filings for ChoiceOne Financial Services, Inc. (COFS) explained in plain English. Covers insider buying and selling (Form 4), proposed insider sales (Form 144), material company events (8-K), and quarterly & annual reports (10-Q / 10-K). StrongBuyAnalytics provides navigation and brief excerpts or summaries; original filings remain at the SEC/source links and were authored by their filers, not StrongBuyAnalytics. Filing dates shown are source dates. Coverage and detection can be delayed or incomplete because of SEC availability, amendments, parsing, caching, or outages. Latest source filing date shown: 2026-10-02.

ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides various banking services in the Michigan. The company offers time, savings, and demand deposits, safe deposits, and automated transaction machine services. It also provides commercial lending products, such as business, industry, agricultural, construction, inventory, commercial, consumer, and real estate loans; credit and other financial services; mortgage banking; and consumer loans compris…

Sector: Financial Services Industry: Banks - Regional Market Cap: $495.0M CIK: 803164

Total Filings

Bullish Classifications

Bearish Classifications

Insider Transactions

Material Events (8-K)

Periodic Reports

What you're looking at: Each item below is parsed from an actual SEC filing submitted by ChoiceOne Financial Services, Inc.. Form 4 = confirmed insider transaction · Form 144 = proposed sale notice · 8-K = material event (earnings, M&A, leadership change, etc.) · 10-Q / 10-K = quarterly / annual report.

COFS Filing Activity Snapshot 2026-07-06 — 2026-10-02

Insider Transactions (Form 4)

0 buys vs 0 sells

Insider buying and selling activity is balanced in this period.

Insider Transactions 18 · Forms 3, 4 and 5

A Form 4 is filed within two business days of a company insider — an officer, a director, or a holder of more than ten percent of the stock — changing their position in the shares. All 18 filings in this group are Form 4s for ChoiceOne Financial Services, Inc.

The difficulty with reading these filings as a group is that a single form type covers transactions that mean entirely different things. An executive spending their own money to buy stock and an executive having shares withheld to pay tax on a vesting grant both appear as a Form 4. Every filing below is therefore tagged with the nature of the underlying transaction, taken from the transaction code reported on the form itself.

Across the 18 insider filings shown, the breakdown is 18 compensation award. None of the classified filings involved a discretionary open-market trade, so this period says nothing about what insiders think of the price.

What each transaction type means

Compensation award ×18: Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Wendling Michelle M (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	213	$32.31	$6.9K

Filing: Form 4 (Insider Transaction) Insider: Wendling Michelle M (Director) Shares: 213

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

PETTY BRIAN P (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	514	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: PETTY BRIAN P (Director) Shares: 514

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Page Roxanne M (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	213	$32.31	$6.9K

Filing: Form 4 (Insider Transaction) Insider: Page Roxanne M (Director) Shares: 213

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

McGinnis Bradley F. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	514	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: McGinnis Bradley F. (Director) Shares: 514

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

McConnell Gregory A (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	213	$32.31	$6.9K

Filing: Form 4 (Insider Transaction) Insider: McConnell Gregory A (Director) Shares: 213

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Krause Steven Theodore (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	514	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: Krause Steven Theodore (Director) Shares: 514

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Hicks Randy D (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	515	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: Hicks Randy D (Director) Shares: 515

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Essex Bruce John Jr (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	213	$32.31	$6.9K

Filing: Form 4 (Insider Transaction) Insider: Essex Bruce John Jr (Director) Shares: 213

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Coulter Curt E (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	213	$32.31	$6.9K

Filing: Form 4 (Insider Transaction) Insider: Coulter Curt E (Director) Shares: 213

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Burrough Eric E (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	514	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: Burrough Eric E (Director) Shares: 514

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Burns Harold J (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	515	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: Burns Harold J (Director) Shares: 515

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Brophy Keith D. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	364	$32.31	$11.8K

Filing: Form 4 (Insider Transaction) Insider: Brophy Keith D. (Director) Shares: 364

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-10-02

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Armock Greg L. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	514	$32.31	$16.6K

Filing: Form 4 (Insider Transaction) Insider: Armock Greg L. (Director) Shares: 514

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-07-06

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Wendling Michelle M (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	202	$34.00	$6.9K

Filing: Form 4 (Insider Transaction) Insider: Wendling Michelle M (Director) Shares: 202

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-07-06

COFS insider Form 4 filed for equity award, exercise, or tax withholding

PETTY BRIAN P (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	489	$34.00	$16.6K

Filing: Form 4 (Insider Transaction) Insider: PETTY BRIAN P (Director) Shares: 489

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-07-06

COFS insider Form 4 filed for equity award, exercise, or tax withholding

Page Roxanne M (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	202	$34.00	$6.9K

Filing: Form 4 (Insider Transaction) Insider: Page Roxanne M (Director) Shares: 202

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-07-06

COFS insider Form 4 filed for equity award, exercise, or tax withholding

McGinnis Bradley F. (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	489	$34.00	$16.6K

Filing: Form 4 (Insider Transaction) Insider: McGinnis Bradley F. (Director) Shares: 489

View on SEC EDGAR → Open Filing Document →

Form 4 Compensation award Tax / Compensation Filing 2026-07-06

COFS insider Form 4 filed for equity award, exercise, or tax withholding

McConnell Gregory A (Director) filed a Form 4 covering compensation-related activity such as stock awards, option exercises, conversions, or tax withholding. These filings are usually neutral.

Shares were granted as compensation rather than purchased. No cash changed hands, so the filing reflects a pay decision by the company, not a judgement about the price.

Transactions reported on this filing
Code	Nature	Shares	Price	Value
`A`	Compensation award	202	$34.00	$6.9K

Filing: Form 4 (Insider Transaction) Insider: McConnell Gregory A (Director) Shares: 202

View on SEC EDGAR → Open Filing Document →

Material Events 1 · Form 8-K

An 8-K reports a material event in the window between scheduled reports. There is 1 in this period for ChoiceOne Financial Services, Inc. Each 8-K names the item number it is filed under, and that number is the fastest way to tell a routine disclosure from a consequential one.

Item 2.02 is an earnings release, Item 5.02 is a change of directors or officers, and Item 1.01 or 2.01 covers a material agreement or a completed acquisition. Item 7.01 and Item 8.01 are the general-purpose disclosure items and carry no fixed meaning on their own.

Form 8-K Material Company Update 2026-07-24

COFS filed 8-K — material company event

CHOICEONE FINANCIAL SERVICES INC filed an 8-K with the SEC reporting a material event. Summary unavailable — view the original SEC filing for the full text.

Filing: 8-K (Material Event)

View on SEC EDGAR → Open Filing Document →

Periodic Reports 1 · Forms 10-K and 10-Q

The periodic reports are where the audited and reviewed financial statements live. This period contains 1 quarterly report (10-Q) for ChoiceOne Financial Services, Inc.

The two are not equivalent in weight. A 10-K is audited by an external firm and includes the full risk factor disclosure, business description and management discussion; a 10-Q is unaudited, reviewed rather than examined, and much shorter. When a figure in a quarterly report is later revised, the annual report is usually where the correction appears.

An amended report — 10-K/A or 10-Q/A — restates or corrects something in the original filing, and is worth reading against the version it replaces.

Form 10-Q Quarterly Report 2026-08-10

COFS filed Quarterly Report (10-Q)

CHOICEONE FINANCIAL SERVICES INC filed its quarterly report with the SEC. This report includes unaudited financial statements and management discussion for the quarter.

Filing: 10-Q (Quarterly Report)

View on SEC EDGAR → Open Filing Document →

How we classify ChoiceOne Financial Services, Inc.'s filings

Straight from EDGAR

Each displayed record links to an original source document. StrongBuyAnalytics provides navigation and brief excerpts or summaries, not the filing itself. Parsing may omit context or contain errors, so read the original document in full.

Transaction codes, not guesswork

The nature shown on each insider filing comes from the transaction code the filer entered on the form itself — P for an open-market purchase, A for a compensation award, F for shares withheld to pay tax, M for an option exercise. Where one filing contains several codes, the transaction table lists them line by line.

Why the distinction matters

Insider activity is routinely summarised as buying or selling, which flattens together decisions that mean very different things. Shares withheld for tax on a vesting grant are an automatic administrative step; shares bought on the open market are someone committing their own money at the current price.

What this page does not tell you

A filing records what happened, not why. Form 4 does not always disclose whether a sale was executed under a pre-arranged Rule 10b5-1 plan, and no single filing is a basis for a decision on COFS. Read these alongside the fundamentals rather than in isolation.

Frequently Asked Questions — COFS SEC Filings

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COFS Full Analysis

Publisher, sources & limitations — September 15, 2026. StrongBuyAnalytics provides navigation and brief excerpts or summaries for educational use. Original filings remain at SEC EDGAR or other displayed source links; StrongBuyAnalytics does not author them. Filing dates are source dates, not publication dates for this page. Coverage can be delayed, incomplete, amended, or unavailable because of SEC/source availability, parsing, caching, or outages. Verify every material statement in the original filing.

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