ChoiceOne Financial (COFS) Director Adds to Stake in July 2025 Form 4

Rhea-AI Filing Summary

On July 1, 2025, director Keith D. Brophy filed a Form 4 disclosing an indirect purchase of 410 ChoiceOne Financial Services (COFS) common shares through a trust at an approximate price of $28.70 per share (total value ≈ $11.8 thousand). After the transaction, Brophy’s indirect trust holding increased to 11,496.8735 shares. A footnote clarifies that the ending balance includes 204.5484 shares obtained via dividend reinvestment. No derivative securities were reported.

The filing signals modest insider confidence but represents a relatively small addition compared with the director’s overall position and COFS’s public float. No sales or dispositions were recorded in this filing.

Positive

• Director purchase indicates ongoing insider confidence in COFS.
• Holdings increase to 11,496.8735 shares, reinforcing alignment with shareholder interests.

Negative

• None.

Insights

Securities Analyst

TL;DR – Small insider buy; modestly positive sentiment but immaterial to valuation.

The acquisition of 410 shares, worth under $12 k, marginally lifts the director’s indirect stake to ~11.5 k shares. While insider buying can be a constructive signal, the size—roughly 0.04 % of COFS’s 9.8 m shares outstanding—is too small to shift the investment thesis or liquidity profile. No red flags arise, and the inclusion of dividend-reinvested shares indicates ongoing shareholder alignment. Overall impact on market perception should be neutral to slightly positive.

Insider Trade Summary

Net Buyer: 410 shares

Net Buy 2 txns

Insider Brophy Keith D.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	410	$28.70	$12K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 11,496.8735 shares (Indirect, Trust); Common Stock — 8,556 shares (Direct)

Footnotes (1)

1. F1. Column 5 reflects the acquisition of 204.5484 shares from the reinvestment of cash dividends.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 07/03/2025 - 12:35 PM Learn about SEC filing dates

FAQ

How many COFS shares did Director Keith D. Brophy purchase?

He acquired 410 common shares on July 1, 2025.

At what price were the COFS shares bought?

The reported purchase price was $28.70 per share.

What is Brophy’s total indirect ownership after the transaction?

His trust now holds 11,496.8735 COFS shares.

Does the filing include derivative securities or sales?

No, the Form 4 lists no derivative positions and no share sales.

Why does the share total include decimal shares?

A footnote states that 204.5484 shares were added via dividend reinvestment.

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^*

Brophy Keith D.

(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		410	A	$28.7	11,496.8735(1)	I	Trust
Common Stock								8,556	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:

1. Column 5 reflects the acquisition of 204.5484 shares from the reinvestment of cash dividends.

	/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.
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