What indirect COFS holdings related to Bradley F. McGinnis were disclosed?

The filing shows 15,301 COFS Common Stock shares held indirectly by Megawall Corporation. These shares are reported as indirect ownership, indicating they are held through that entity rather than in McGinnis’s name, which is important for understanding his total reported economic exposure.

Does the COFS Form 4 show any insider share sales by Bradley F. McGinnis?

The Form 4 does not report any open-market sales by Bradley F. McGinnis. It shows one acquisition coded “A” for 489 shares as a grant and an additional holding entry for shares held indirectly, with no sale-designated transaction codes disclosed in the summarized data.

COFS director receives 489-share stock grant

McGinnis Bradley F. reported acquisition or exercise transactions in this Form 4 filing.

Filing Impact

(Neutral)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

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Form Type

Rhea-AI Filing Summary

McGinnis Bradley F. reported acquisition or exercise transactions in this Form 4 filing.

CHOICEONE FINANCIAL SERVICES INC director Bradley F. McGinnis reported a stock award and updated holdings. He received a grant of 489 shares of Common Stock at $34.00 per share, bringing his direct holdings to 14,219 shares. He also reported 15,301 shares held indirectly through Megawall Corporation.

Insider Trade Summary

Grant/Award: 489 shares

Grant/Award 2 txns

Insider McGinnis Bradley F.

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	489	$34.00	$17K
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 14,219 shares (Direct); Common Stock — 15,301 shares (Indirect, By Megawall Corporation)

Key Figures

Stock grant size: 489 shares Grant price: $34.00 per share Direct holdings after grant: 14,219 shares +1 more

4 metrics

Stock grant size 489 shares Common Stock award coded “A” on July 1, 2026

Grant price $34.00 per share Reported value for 489-share Common Stock grant

Direct holdings after grant 14,219 shares Total direct COFS Common Stock held by McGinnis after award

Indirect holdings via Megawall 15,301 shares COFS Common Stock held indirectly by Megawall Corporation

Key Terms

Grant, award, or other acquisition, Common Stock, indirect ownership, Form 4

4 terms

Grant, award, or other acquisition financial

"Transaction code “A” is described as a grant, award, or other acquisition."

Common Stock financial

"Both reported transactions involve the issuer’s Common Stock."

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

indirect ownership financial

"15,301 shares are reported as indirect ownership by Megawall Corporation."

Form 4 regulatory

"The insider transactions are disclosed in a Form 4 filing."

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What insider transaction did COFS director Bradley F. McGinnis report?

Bradley F. McGinnis reported receiving a grant of 489 shares of COFS Common Stock. The transaction used code “A,” indicating a grant, award, or other acquisition, rather than an open-market purchase or sale, and reflects routine equity-based compensation for the director role.

At what price was the COFS stock grant to Bradley F. McGinnis recorded?

The reported grant to Bradley F. McGinnis was recorded at $34.00 per share. This price is the value used for the 489-share award of Common Stock and helps quantify the approximate grant value disclosed in the Form 4 filing for compensation reporting purposes.

How many COFS shares does Bradley F. McGinnis own directly after this Form 4?

After the reported stock grant, Bradley F. McGinnis directly holds 14,219 COFS Common Stock shares. This total reflects his direct ownership following the 489-share award and provides context for the size of his personal equity stake as disclosed in the filing.

Is the COFS insider transaction a market purchase or compensation grant?

The insider transaction for COFS is a compensation-related grant, not a market purchase. It is coded “A,” which denotes a grant, award, or other acquisition, meaning the 489 shares were received as part of an award arrangement rather than bought on the open market.

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

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Accepted by SEC EDGAR 07/06/2026 - 01:13 PM EDT

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^*

McGinnis Bradley F.

(Last)

(First)

(Middle)

109 EAST DIVISION STREET

(Street)

SPARTA

MICHIGAN

49345

(City)

(State)

(Zip)

UNITED STATES

(Country)

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)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/01/2026

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

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

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

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	07/01/2026		A		489	A	$34	14,219	D
Common Stock								15,301	I	By Megawall Corporation

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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

	/s/ Christian D. Rhoades, by Power of Attorney	07/06/2026
	** 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.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR