Welcome to our dedicated page for Choiceone Finl Svcs SEC filings (Ticker: COFS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The ChoiceOne Financial Services, Inc. (NASDAQ: COFS) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a financial holding company and parent of ChoiceOne Bank. These documents include current reports on Form 8-K, annual reports on Form 10-K, quarterly reports on Form 10-Q, and other materials filed or furnished to the U.S. Securities and Exchange Commission.
ChoiceOne uses Form 8-K to furnish press releases covering quarterly and annual financial results, such as net interest margin, core loan growth, deposit trends, merger-related expenses, and asset quality measures. The company also files 8-Ks to report material events, including the completion of the merger of Fentura Financial, Inc. with and into ChoiceOne, the consolidation of The State Bank into ChoiceOne Bank, dividend declarations, and changes in the Board of Directors or committee assignments.
Through its Form 10-K and subsequent filings, ChoiceOne provides detailed information on its commercial banking operations, risk factors, capital position, and the performance of ChoiceOne Bank. The company has referenced risk factors described in Item 1A of its Annual Report on Form 10-K and in later SEC filings, directing readers to those documents for a fuller discussion of risks and regulatory considerations.
On Stock Titan, these filings are updated as they become available from the SEC’s EDGAR system. AI-powered tools can help summarize lengthy documents, highlight key items such as earnings trends, merger impacts, and capital ratios, and make it easier to understand technical disclosures. Users researching COFS can review Forms 8-K for timely event information, and consult 10-K and 10-Q filings for a broader view of ChoiceOne’s financial condition, commercial banking activities, and regulatory reporting history.
ChoiceOne Financial Services director Gregory A. McConnell increased his personal stake through open-market purchases of common stock. On February 13, 2026, he bought 550 shares at $29.1 per share and another 1,000 shares at $29 per share. Following these transactions, he directly owned 35,950 common shares.
Fourthstone LLC and related funds filed an amended ownership report on CHOICEONE FINANCIAL SERVICES INC, disclosing a very small position in the company’s common stock. Fourthstone directly holds 100 shares of ChoiceOne common stock on behalf of its advisory clients, representing about 0.001% of the outstanding shares.
The ownership percentages are calculated against 15,023,732 ChoiceOne common shares outstanding as of October 31, 2025, based on the issuer’s Form 10-Q. The reporting group states the shares were acquired and are held in the ordinary course of business, not to change or influence control of the company.
ChoiceOne Financial Services director Brian P. Petty reported an open-market sale of company stock. On February 11, 2026, he sold 15,000 shares of ChoiceOne common stock at a price of $29.56 per share. After this transaction, he directly owned 91,107 shares of ChoiceOne common stock.
ChoiceOne Financial Services director Steven Theodore Krause reported a set of stock gifts involving company common shares. On February 9, 2026, he transferred 3,125 shares of ChoiceOne common stock at a stated price of $0 per share, a typical indicator of a gift transaction.
After this transfer, Krause directly held 29,739.0416 common shares. Additional indirect holdings are reported for four grandchildren, each account reflecting 6,116, 6,117, 1,285, and 4,124 shares of common stock, respectively, as well as 16,283.0669 shares held indirectly through a trust.
ChoiceOne Financial Services, Inc. filed a current report to furnish an investor presentation as of early February 2026. The company is providing these presentation materials, attached as Exhibit 99.1, for use by management in meetings with investors beginning February 4, 2026.
The materials are being furnished under a regulation that keeps them separate from the company’s formally filed financial statements and reports. No specific financial results, transactions, or strategic changes are described in this report itself; it mainly serves as a vehicle to share the investor presentation with the market.
ChoiceOne Financial Services, Inc. submitted a current report to the SEC to furnish a company press release. The 8-K states that a press release dated January 30, 2026 is attached as Exhibit 99.1 and is incorporated by reference. The company notes that this exhibit, and the related report, are being furnished rather than filed under the securities laws.
ChoiceOne Financial Services, Inc. (COFS) reported an insider stock purchase by a company director. On 11/17/2025, the director bought 5,000 shares of COFS common stock in an open-market transaction coded "P" at a price of $28.50 per share. Following this purchase, the director now beneficially owns 174,833 shares of COFS common stock, held directly.
ChoiceOne Financial Services reported stronger Q3 2025 results following its March merger with Fentura. Net income was $14.7 million, up from $7.3 million a year ago, and diluted EPS was $0.97 versus $0.85. Net interest income rose to $37.6 million from $20.2 million as loan interest grew with a larger balance sheet. The provision for credit losses was $0.2 million, compared with $0.4 million last year.
Noninterest income increased to $7.1 million from $4.9 million, led by higher service charges and interchange. Noninterest expense rose to $26.2 million from $15.4 million, reflecting scale and higher amortization. At quarter‑end, total assets were $4.30 billion (up from $2.72 billion at December 31, 2024), loans, net were $2.88 billion (vs. $1.53 billion), and deposits were $3.57 billion (vs. $2.21 billion). The allowance for credit losses was $34.8 million (vs. $16.6 million).
During 2025, the company issued 6,070,836 shares as merger consideration and recorded cash received of $173.1 million from the merger. Shareholders’ equity ended at $449.6 million, with 15,017,802 shares outstanding at September 30, 2025. As of October 31, 2025, shares outstanding were 15,023,732.
ChoiceOne Financial Services (COFS) furnished an investor presentation as Exhibit 99.1 under Item 7.01. Management plans to use these materials in meetings with investors beginning November 6, 2025. The materials are furnished to, and not filed with, the Commission.
ChoiceOne Financial Services, Inc. furnished a press release as Exhibit 99.1 in a Form 8-K. The press release, dated October 24, 2025, is incorporated by reference and is expressly stated as furnished to, not filed with, the Commission.
The company’s common stock trades on the NASDAQ Capital Market under the symbol COFS.