No insider purchase over the last 90 days. The latest was filed 16 Mar 2026.
Choiceone Financial Services Inc belongs to the Finance & Banking sector. Filings by its managers are published through SEC (Form 4). Over the twelve months to 18 October 2026, 62 filings were filed, from 16 insiders.
The record shows 7 purchases on the open market worth €323k, made by 5 insiders, against 1 sale worth €373k by 1 insider. Netting one side against the other leaves €50k of net selling. Buying on the open market means paying the going price with one's own funds, a different act from receiving shares as pay. Biggest ticket of the year: €373k, sold by Petty Brian P and made public on 12 February 2026. Those buying include 3 senior executives, 1 board member and 1 chief executive.
Within a 30-day window, 5 purchases overlapped with buying by a second insider. When several insiders buy within a few weeks of each other, analysts speak of a cluster purchase. The last purchase on record was published on 16 March 2026, which is 216 days ago. Typically, a trade is published a median of 2 days after it takes place. For comparison, the SEC allows two business days to file a Form 4.
With 62 filings in twelve months, the company is more active than the median of 19 filings across the 5,812 companies we follow on the same exchange. Our records for Choiceone Financial Services Inc go back to 2016, with 47 purchases and 4 sales on the open market in total. The 10-K for the year ended 31 December 2025 shows 28.2 m USD of net income and a dividend of 1.13 USD per share.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and Avidia Bancorp, Inc. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
+1 other insider
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analysts rate Choiceone Financial Services Inc Buy (bullish), based on 3 analysts. Average price target: US$37.00.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Transparent value + quality ranking, distinct from the insider signal.
FY ended December 2025 · cache
25 of 372 declarations
ChoiceOne Financial Services, Inc. (NASDAQ: COFS), based in the United States, is a regional bank holding company built around ChoiceOne Bank, a community banking franchise with deep roots in Michigan. The company traces its origin back to 1898, when it was founded as Sparta State Bank. Its headquarters remain in Sparta, Michigan, underscoring a business model centered on local relationship banking rather than national scale. For investors, COFS represents a classic U.S. community-bank equity listed on the NASDAQ, with earnings driven by deposits, lending, fee income, and disciplined credit management. ([choiceone.bank](https://www.choiceone.bank/about/who-we-are?utm_source=openai))
ChoiceOne’s core business lines include retail banking, commercial banking, mortgage and real-estate lending, small-business finance, treasury management, payment services, and wealth management. Management emphasizes a combination of personal service and modern banking technology, which is an important competitive feature in the U.S. regional banking landscape. The company’s footprint is concentrated in Michigan, supported by branch locations and additional operating centers in Lapeer and Fenton. That geographic focus gives ChoiceOne strong local market knowledge and deep customer relationships, but it also concentrates the business in one state and ties performance closely to the economic conditions of its core markets. ([choiceone.bank](https://www.choiceone.bank/locations/location/sparta?utm_source=openai))
From a competitive perspective, ChoiceOne has become more relevant in Michigan following its acquisition of Fentura Financial, Inc., announced in 2024 and completed on March 1, 2025. The consolidation of The State Bank into ChoiceOne Bank was completed on March 14, 2025. The combined organization became a bank holding company with assets above $4 billion and a network of 56 offices across Michigan. That transaction materially expanded scale, broadened the customer base, and improved the bank’s reach in Central and Southeastern Michigan, while also creating integration and execution risk typical of bank mergers. ([choiceone.bank](https://www.choiceone.bank/About/News/choiceone-financial-services-inc-and-fentura-financial-inc-complete-merger?utm_source=openai))
Recent company news has therefore been dominated by merger integration and post-deal execution. ChoiceOne’s 2025 updates highlighted the financial and operational impact of the Fentura transaction, including merger-related expenses, while the company also continued to promote its local franchise, wealth-management capabilities, and long-standing community-bank heritage dating to 1898. For equity investors, the stock offers exposure to a Michigan-focused banking platform with a conservative community-bank profile, acquisition-led growth, and sensitivity to U.S. interest rates, credit quality, and regional economic trends. ([choiceone.bank](https://www.choiceone.bank/about/news/choiceone-reports-fourth-quarter-2025-results?utm_source=openai))
Purchases our model currently ranks for the recommendations list.
All recommendations| Fiscal year end | Revenue | Net income | Diluted EPS | Dividend per share | Filing |
|---|---|---|---|---|---|
| Dec 2025 | n.d. | 28.2 m USD | 2.01 USD | 1.13 USD | 10-K |
| Dec 2024 | n.d. | 26.7 m USD | 3.25 USD | 1.09 USD | 10-K |
| Dec 2023 | n.d. | 21.3 m USD | 2.82 USD | 1.05 USD | 10-K |
| Dec 2022 | n.d. | 23.6 m USD | 3.15 USD | 1.01 USD | 10-K |
| Dec 2021 | n.d. | 22.0 m USD | 2.86 USD | 0.94 USD | 10-K |
Amounts in USD, as filed (forms 10-K, 20-F or 40-F). Source: SEC EDGAR.