[Form 4] CHOICEONE FINANCIAL Insider Trading Activity

Rhea-AI Filing Summary

ChoiceOne Financial Services, Inc. (COFS) filed a Form 4 disclosing that director Gregory A. McConnell purchased 239 shares of COFS common stock on July 1, 2025 at an average price of $28.70 per share. After the transaction, McConnell directly owns 33,929 shares. No derivative securities were involved and there were no dispositions reported. The filing was signed on July 3, 2025 by attorney-in-fact Christian D. Rhoades.

The transaction is modest in size (≈ $6,900) and represents a routine insider purchase rather than a material change in ownership. Nevertheless, insider buying can sometimes be interpreted as a signal of management’s confidence in the company’s prospects.

Insights

Financial Analyst

TL;DR Routine, small insider purchase; signals confidence but immaterial to COFS valuation.

The 239-share acquisition increases Director McConnell’s stake by less than 1% (now 33,929 shares). With a dollar value under $7k, the trade is unlikely to affect liquidity, share count, or overall market sentiment for an $COFS issuer whose average daily volume and market cap far exceed this amount. While insider buying is directionally positive, investors should not treat this transaction as a major catalyst. Rating: Neutral impact.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McConnell Gregory A

(Last) (First) (Middle)

109 EAST DIVISION STREET

(Street)

SPARTA MI 49345

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
CHOICEONE FINANCIAL SERVICES INC [ COFS ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
07/01/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	07/01/2025		A		239	A	$28.7	33,929	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

	/s/ Christian D. Rhoades, by Power of Attorney	07/03/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

Who bought COFS stock in the latest Form 4 filing?

Director Gregory A. McConnell purchased shares, according to the July 3, 2025 Form 4.

How many COFS shares did Gregory McConnell purchase?

He bought 239 shares of ChoiceOne Financial Services common stock.

At what price were the COFS shares acquired?

The shares were purchased at an average price of $28.70 each.

What is Gregory McConnell’s total COFS ownership after the transaction?

Following the trade, he directly owns 33,929 shares.

Were any derivative securities involved in the July 1, 2025 COFS insider trade?

No. The Form 4 reports no derivative securities acquired or disposed of.