[Form 4] CHOICEONE FINANCIAL Insider Trading Activity

Rhea-AI Filing Summary

Form 4 highlight: On 07/01/2025, ChoiceOne Financial Services (COFS) director Roxanne M. Page reported the acquisition of 239 shares of COFS common stock at $28.70 per share. Following the trade, her direct holdings rose to 6,405.4488 shares, while indirect ownership held in an IRA remains at 2,152.7237 shares. No derivative securities were involved.

The purchase is valued at roughly $6,900 and represents an approximate 3.9 % increase in her directly held position. Although insider buying is generally viewed as a sign of management confidence, the dollar amount is modest relative to the company’s market capitalization and average daily trading volume, so near-term market impact is expected to be limited.

Insights

Securities Analyst

TL;DR: Minor insider buy shows confidence but is financially immaterial; neutral effect on valuation.

Director Roxanne Page’s 239-share purchase adds less than $7k to her stake, taking her direct ownership to about 6.4k shares. Insider purchases typically screen positive, yet the size here is too small to move the needle on COFS’s earnings outlook or capital structure. With no accompanying derivative activity or pattern of larger buys, I classify the filing as informational only. Investors should monitor for additional insider accumulation before drawing strategic conclusions.

Corporate Governance Specialist

TL;DR: Filing reflects routine compliance; purchase size unlikely to influence governance dynamics.

The Form 4 confirms that Page remains engaged and aligned via equity ownership, but the acquisition does not materially shift board ownership concentration. No 10b5-1 plan was invoked, reducing complexity. From a governance lens, the action is neutral—there are neither red flags nor strong positive signals beyond a modest affirmation of insider confidence.

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^*

Page Roxanne M

(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	6,405.4488	D
Common Stock								2,152.7237	I	By IRA

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

What insider transaction did COFS report on 07/01/2025?

Director Roxanne M. Page bought 239 shares of COFS common stock at $28.70 each.

How many COFS shares does the director now own directly?

After the transaction, Page owns 6,405.4488 shares directly.

Did the filing disclose any derivative security activity?

No, Table II shows no derivative securities acquired or disposed of.

Is the transaction tied to a Rule 10b5-1 trading plan?

The form does not indicate a 10b5-1 plan; the related checkbox was left unchecked.

What is the estimated value of the shares purchased?

At the reported price, the purchase is worth approximately $6,900.