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COFS · Choiceone Financial Services Inc
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COFS Choiceone Financial Services (COFS) Insider Trading, Ownership & Congress Trades

Banks · State commercial banks · CIK 0000803164
SEC filings
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
76
13F, latest reported quarter

Choiceone Financial Services insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

No insider purchases or sales are on record for CHOICEONE FINANCIAL SERVICES INC in the period covered. Source: SEC Form 4 filings, as of 2026-10-28.

Insider
Filed
Shares
Value
Since filing
BUY
2026-03-16 SECtraded 2026-03-12
500
$13.7K
+26.8%
Context
  • 2 earlier Form 4 trades (code P or S) here by this insider (2 buys), the last on Jul 25, 2024.
  • +19.3% median (+19.3% mean) 90-day return after 2 previous buys.
  • The trade is 13.5% of the 3,690 shares held after it.
  • 4 other insiders bought within 30 days.
  • 76 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Secretary Greenland Adom bought about $13.7K of COFS on Mar 12, 2026; 4 other insiders bought within 30 days and 76 funds added in the latest 13F quarter.
BUY
2026-03-12 SECtraded 2026-03-11
5,000
$137.5K
+28.1%
Context
  • 3 earlier Form 4 trades (code P or S) here by this insider (3 buys), the last on Nov 17, 2025.
  • +22.4% median (+17.1% mean) 90-day return after 3 previous buys.
  • The trade is 2.8% of the 180,397 shares held after it.
  • 4 other insiders bought within 30 days.
  • 76 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Burrough Eric E bought about $137.5K of COFS on Mar 11, 2026; 4 other insiders bought within 30 days and 76 funds added in the latest 13F quarter.
BUY
2026-03-09 SECtraded 2026-03-06
1,050
$29.3K
+25.8%
Context
  • 7 earlier Form 4 trades (code P or S) here by this insider (7 buys), the last on Feb 13, 2026.
  • +22.4% median (+19.3% mean) 90-day return after 5 previous buys.
  • The trade is 2.8% of the 37,000 shares held after it.
  • 4 other insiders bought within 30 days.
  • 76 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director McConnell Gregory A bought about $29.3K of COFS on Mar 6, 2026; 4 other insiders bought within 30 days and 76 funds added in the latest 13F quarter.
BUY
2026-03-04 SECtraded 2026-03-03
1,000
$29.1K
+24.0%
Context
  • 3 earlier Form 4 trades (code P or S) here by this insider (3 buys), the last on Feb 18, 2025.
  • -5.6% median (+1.6% mean) 90-day return after 3 previous buys.
  • The trade is 6.5% of the 15,301 shares held after it.
  • 4 other insiders bought within 30 days.
  • 76 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director McGinnis Bradley F. bought about $29.1K of COFS on Mar 3, 2026; 4 other insiders bought within 30 days and 76 funds added in the latest 13F quarter.
BUY
2026-03-02 SECtraded 2026-02-27
250
$7.1K
+19.2%
Context
  • First Form 4 purchase or sale (code P or S) here by this insider on our record.
  • The trade is 8.6% of the 2,891 shares held after it.
  • 4 other insiders bought within 30 days.
  • 76 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President Burke Michael J. Jr. bought about $7.1K of COFS on Feb 27, 2026; 4 other insiders bought within 30 days and 76 funds added in the latest 13F quarter.
52 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
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Seven facts, ranked against the sector · Rank is not a forecast
Insiders
no insider buys or sells on file
Congress
no House purchase disclosed in the last 12 months
Funds
76 funds bought in last quarter
below 62% of Banks
Revenue
+48.6% year over year
more than 95% of Banks
Margin
148.3% net margin
below 54% of Banks
Buybacks
$2.5M repurchased, FY to 2026-06-30
below 64% of Banks
Short interest
3.8% of the float short (float per yahoo 2026-10-26) · 6.5 days to cover · settled 2026-09-30
more than 59% of Banks
What changed in the last 30 days
Nothing new filed in the last 30 days

Watch COFS

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The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+29.8%12M
+0%+10%+20%+30%2025-102025-122026-022026-042026-062026-082026-10 2026-02-11 · PETTY BRIAN P sold $443.4K2025-11-17 · Burrough Eric E bought $142.5K2026-03-11 · Burrough Eric E bought $137.5K2026-03-06 · McConnell Gregory A bought $29.3K2026-03-03 · McGinnis Bradley F. bought $29.1K2026-02-13 · McConnell Gregory A bought $29.0K2026-02-13 · McConnell Gregory A bought $16.0K2026-03-12 · Greenland Adom bought $13.7K2026-02-27 · Burke Michael J. Jr. bought $7.1K
Insider buyInsider sell
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns COFS: institutional holders (13F)

13F holdings, latest reported quarter
1,086,956 sh
$37.0M
$23.0M
$15.2M

Congress trades in COFS

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

COFS planned insider sales (Form 144)

No planned-sale notices
No insider has filed to sell. Watch this after a run-up.

COFS mutual fund holders (N-PORT)

Funds ranked by the share of their own portfolio in this stock (N-PORT).
ProShares Russell 2000 Dividend Growers ETF
$6.9M position · as of 2026-05-31
1.1%
First Trust Dow Jones Select MicroCap Index Fund
$1.6M position · as of 2026-06-30
0.6%
Regional Bank Fund
$3.6M position · as of 2026-07-31
0.4%
Sterling Capital Behavioral Small Cap Value Fund
$274.0K position · as of 2026-06-30
0.3%
Hotchkis and Wiley Small Cap Diversified Value Fund
$1.9M position · as of 2026-06-30
0.2%
First Trust NASDAQ ABA Community Bank Index Fund
$179.5K position · as of 2026-06-30
0.2%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M · % is the share of the fund's own portfolio
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
The complete filing record, in one place.
The record shows 76 funds added last quarter. Each figure is a federal filing, dated the day it went public.
Same sector, ranked by filing activity
Sector by SEC SIC code

COFS financials

Revenue growth
+48.6%
XBRL, annual
Net margin
148.3%
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
the filed year and its quarters do not reconcile, so the trailing figure is withheld
Net margin, TTM
n/a
the filed year and its quarters do not reconcile, so the trailing figure is withheld
Free cash flow, TTM
$51.0M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
n/a
no debt line filed
Cash flow to debt
n/a
no debt line filed
Return on equity
+12.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+1.2%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
9.43x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
Enterprise value
n/a
no debt line filed
FCF yield
+9.9%
TTM free cash flow over market value at close 2026-10-26
PEG, trailing
0.05x
P/E over trailing EPS growth of 194%: four quarters to 2026-06-30 against the four to 2025-06-30
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Revenue$227.6M$139.1M$113.9M$89.1M
Net income$28.2M$26.7M$21.3M$23.6M
EPS (diluted)2.013.252.823.15
Operating cash flow$31.8M$47.1M$46.3M$44.3M
Cash$88.0M$96.8M$55.4M$43.9M
Buybacks$2.7M$0$0$682.0K
Dividends paid$16.9M$9.0M$7.9M$7.6M
SEC XBRL, fiscal years, as known on 2026-10-28

COFS Stock Sonar score 4/7 axes

Find similar shapesCompare

COFS ranks highest on growth (95th percentile) and risk and compliance (70th), and lowest on institutional and government (38th), among Banks peers.

Profitability
66
Inputs
  • Return on equity+12.0% · 67 pct, sector of 327
  • Return on assets+1.2% · 65 pct, sector of 334
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Growth
95
Inputs
  • Revenue growth, YoY+48.6% · 95 pct, sector of 151
  • Backlog growth, YoYno backlog line filed, or no year-earlier backlog
Institutional and government
38
Inputs
  • Funds adding, latest quarter76 · 38 pct, sector of 257
  • Congress net buyers, 365dno Congress trades in 365 days
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quartersno lobbying filings in the last four quarters
Risk and compliance
70
Inputs
  • Short interest, % of float+3.8% · 42 pct, sector of 378
  • Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
  • EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
  • New text in Risk Factors, latest 10-K+2.0% · 97 pct, sector of 127
3 not measured: Financial health, Insider conviction, US patents
  • Financial health needs 1 of 2 inputs, 0 present: no debt line filed
  • Insider conviction needs 1 of 2 inputs, 0 present: no Form 4 purchase or sale (code P or S) in 180 days; no insider trades in 180 days
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

4 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

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