[Form 4] CHOICEONE FINANCIAL Insider Trading Activity

Rhea-AI Filing Summary

On 3 July 2025, ChoiceOne Financial Services (NASDAQ: COFS) filed a Form 4 disclosing that director Michelle M. Wendling acquired 240 shares of COFS common stock on 1 July 2025 at a transaction price reported as $28.70 per share. The purchase increases her direct ownership from 6,321 to 6,561 shares. No derivative securities were involved and there were no dispositions. The filing was signed by Christian D. Rhoades under power of attorney.

The dollar value of the purchase is approximately $6,888, representing a relatively small addition to both Wendling’s personal stake and the company’s overall share count. While insider buying can indicate confidence, the size of this transaction is unlikely to be material to ChoiceOne’s capitalization or near-term valuation.

Insights

Securities Analyst

TL;DR – Minor insider purchase; sentiment positive, financial impact negligible.

The Form 4 shows Director Michelle Wendling buying 240 COFS shares at $28.70, lifting her direct holdings to 6,561 shares. At under $7,000, the transaction is immaterial relative to ChoiceOne’s market capitalization and daily trading volume. Such small insider purchases can signal personal conviction but rarely move the stock. With no accompanying strategic news or sizeable volume, the filing is best viewed as neutral for investors and does not alter the fundamental outlook.

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
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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^*

Wendling Michelle 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		240	A	$28.7	6,561	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 shares in the latest Form 4 filing?

Director Michelle M. Wendling is the reporting person purchasing the shares.

How many ChoiceOne Financial (COFS) shares were purchased?

The Form 4 reports an acquisition of 240 common shares.

What was the purchase price disclosed for the COFS shares?

The shares were bought at a reported price of $28.70 each.

What is Michelle Wendling’s total direct ownership after the transaction?

Following the purchase, she directly owns 6,561 COFS shares.

Were any derivative securities involved in this Form 4?

No. The filing shows no derivative security transactions.