COFS - NASDAQ
ChoiceOne Financial Services, Inc.
$30.52
-3.4%ChoiceOne Financial Services, Inc. operates as the bank holding company for ChoiceOne Bank that provides community banking services to corporations, partnerships, and individuals in Michigan. The company offers various deposit products, including time, savings, and demand deposits, safe deposit, and automated transaction machine services. It also provides commercial loans, such as business, industry, agricultural, construction, inventory, and real estate loans; and consumer loans comprising direct and indirect loans to consumers and purchasers of residential and real properties. In addition, the company offers safe deposit and automated transaction machine services; and alternative investment products, including annuities and mutual funds, as well as sells insurance policies, such as life and health for commercial and consumer clients. It operates 32 full-service offices in Kent, Muskegon, Newaygo, and Ottawa, Lapeer, Macomb, and St. Clair counties, Michigan. The company also operates three loan production offices. ChoiceOne Financial Services, Inc. was founded in 1898 and is headquartered in Sparta, Michigan.
At a Glance
Live SnapshotChoiceOne Financial Services, Inc. Management Team
Mr. Kelly J. Potes CFP
Chief Executive Officer & Director
Compensation
$731,255
Mr. Adom J. Greenland CPA
Chief Financial Officer, Executive Vice President, Secretary & Treasurer
Compensation
$225,700
Mr. Bradley A. Henion
Executive Vice President & Chief Lending Officer
Compensation
$350,227
Mr. Michael J. Burke Jr.
President & Director
Compensation
$541,670
Robert G. Michel
SVice President & Operations Officer
Bart E. Jonker
SVice President of Risk Management & Compliance Officer
Mr. Lee A. Braford
Senior Vice President & Chief Credit Officer of ChoiceOne Bank
Compensation
$141,055
Ms. Shelly M. Childers
Senior Vice President & Chief Information Officer
Mr. Steven M. DeVolder
Senior Vice President & Senior Trust Officer
Danielle Chateauvert
Vice President of Marketing
ChoiceOne Financial Services, Inc. Insider Positioning
During the last 12 months, insiders have purchased $551K and sold $559K worth of COFS shares, resulting in $8K of net selling activity.
3 Months
6.5K
180.54K
0
0.00
+181K
+$181K
3-6 Months
2.3K
65.30K
15.0K
443.40K
-378K
-$378K
6-9 Months
10.6K
305.05K
0
0.00
+305K
+$305K
9-12 Months
0
0.00
4.0K
115.62K
-116K
-$116K
Top Buyers
Burrough Eric E
Director
$297K
Mcconnell Gregory A
Director
$65K
Mcginnis Bradley F.
Director
$46K
Burns Harold J
Director
$17K
Armock Greg L.
Director
$17K
Top Sellers
Petty Brian P
Director
$443K
Krause Steven Theodore
Director
$116K
Insider Activity Analysis
Net Insider Sentiment
Slightly bearish with $8K net selling. Selling modestly exceeds buying, which could be routine diversification rather than concern.
Buy/Sell Ratio
Moderately negative ratio. Selling is roughly double the buying, which may be routine or signal caution.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider buyers vs. 2 sellers. Broad-based buying across management team suggests widespread confidence.
Insider Activity Insight
Balanced insider activity: Roughly equal buying and selling suggests normal portfolio management rather than strong directional signals. Look to other metrics for clearer investment insights.
SEC Filings
COFS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 13, 2026 | May 20, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 08, 2025 | May 21, 2025 | 2025 | |
DEF 14A DEF 14A 2024 N/A | April 11, 2024 | May 29, 2024 | 2024 | |
DEF 14A DEF 14A 2023 N/A | April 11, 2023 | May 24, 2023 | 2023 | |
DEF 14A DEF 14A 2022 N/A | April 21, 2022 | May 25, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 22, 2021 | May 27, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | April 16, 2020 | May 29, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | April 19, 2019 | May 22, 2019 | 2019 | |
DEF 14A DEF 14A 2018 N/A | April 19, 2018 | May 23, 2018 | 2018 | |
DEF 14A DEF 14A 2017 N/A | April 12, 2017 | May 24, 2017 | 2017 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.