[Form 4] CHOICEONE FINANCIAL Insider Trading Activity

Rhea-AI Filing Summary

ChoiceOne Financial Services (COFS) – Form 4 Insider Transaction

On 07/01/2025, Director Randy D. Hicks, acting through the Randy D. Hicks Trust, acquired 495 shares of COFS common stock at $28.70 per share (Form 4 code “A”). The trust’s indirect holdings increased to 97,798 shares. No shares were sold and no derivative securities were reported.

The purchase is valued at roughly $14,200 (495 × $28.70) and adds about 0.5 % to the trust’s existing position. While the dollar amount is modest, continued insider buying can be interpreted by some investors as a sign of confidence in the bank’s near-term outlook.

Positive

• Director insider purchase: 495 additional shares acquired, indicating potential confidence from board-level insider.

Negative

• None.

Insights

Securities Analyst

TL;DR: Minor insider purchase; positive signal but financially immaterial.

The Form 4 shows Director Randy D. Hicks adding 495 COFS shares for about $14 k via his trust. The move nudges his indirect stake to 97,798 shares. No disposals or option exercises appear. Insider buying generally conveys confidence, yet the volume is small relative to total ownership and unlikely to affect supply-demand dynamics or valuation. Accordingly, the disclosure is noteworthy for governance tracking but neutral from a market-moving standpoint.

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^*

Hicks Randy 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		495	A	$28.7	97,798	I	Randy D. Hicks Trust

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, as 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

How many COFS shares did Director Randy Hicks purchase on 07/01/2025?

495 shares of ChoiceOne Financial Services common stock were acquired.

What was the purchase price for the COFS shares?

The shares were acquired at $28.70 per share.

What is Randy Hicks’ total indirect ownership after the transaction?

The Randy D. Hicks Trust now holds 97,798 shares of COFS common stock.

Did the Form 4 report any derivative securities?

No. The filing lists no derivative securities acquired or disposed of.

Were any COFS shares sold in this Form 4 filing?

No shares were sold; the filing only reports an acquisition.