COFS at a glance
CHOICEONE FINANCIAL SERVICES INC (COFS, SEC CIK 803164) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on July 24, 2026 and Form 4 insider filings as recently as October 2, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CHOICEONE FINANCIAL SERVICES INC (COFS) reported revenue of $227.6 million (up 63.6% from FY2024) and net income of $28.2 million. Diluted EPS was $2.01.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $227.6M
- +63.6% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- Latest 8-K
- Jul 24, 2026
- Item 2.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Risk Factors
- No material risk-factor changes; 10-Q incorporates 2025 Form 10-K risk disclosures
- Capital-allocation risk: $2.5 million spent repurchasing 85,000 shares through June 30, 2026
- Liquidity and capital risk: repurchase authorization retains 265,272 shares
AI summary of the COFS 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- July 24, 2026 earnings press release furnished as Exhibit 99.1
- Results cover ChoiceOne Financial Services’ fiscal year 2026
Item EX-99.1: Item EX-99.1
- Q2 net income $12.5M, or $0.83 diluted EPS, down from $13.5M and $0.90 year over year
- $1.9M securities loss reduced EPS approximately $0.10, funding $40M adjustable-rate mortgage purchases
Item 5.07: Submission of Matters to a Vote of Security Holders
- All five director nominees elected, with 8,591,355–9,022,202 votes for each nominee
- Executive compensation approved on an advisory basis, with 8,775,108 votes for and 404,767 against
Item 5.07: Submission of Matters to a Vote of Security Holders
- All five director nominees elected, preserving board continuity
- Executive compensation approved advisory basis, with 8,775,182 votes for versus 403,896 against
AI summaries of COFS 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for COFS
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Page Roxanne M | A | Oct 1, 2026 | 213 | $32.31 |
| Burns Harold J | A | Oct 1, 2026 | 515 | $32.31 |
| Hicks Randy D | A | Oct 1, 2026 | 515 | $32.31 |
| Essex Bruce John Jr | A | Oct 1, 2026 | 213 | $32.31 |
| McGinnis Bradley F. | A | Oct 1, 2026 | 514 | $32.31 |
| Burrough Eric E | A | Oct 1, 2026 | 514 | $32.31 |
| PETTY BRIAN P | A | Oct 1, 2026 | 514 | $32.31 |
| Coulter Curt E | A | Oct 1, 2026 | 213 | $32.31 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $113.9M | $139.1M | $227.6M |
| Net Income | $21.3M | $26.7M | $28.2M |
| Net Margin | 18.7% | 19.2% | 12.4% |
| Balance Sheet | |||
| Total Assets | $2.6B | $2.7B | $4.4B |
| Equity | $195.6M | $260.4M | $465.4M |
| ROE | 10.9% | 10.3% | 6.1% |
| Per Share | |||
| EPS | - | $3.25 | $2.01 |
| Cash Flow | |||
| Operating CF | $46.5M | $48.6M | $31.8M |
| CapEx | $4.2M | $1.7M | $6.6M |
Source: XBRL data in CHOICEONE FINANCIAL SERVICES INC (COFS)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
COFS filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
| 4 | Oct 2, 2026 | - | - | - |
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| 4 | Oct 2, 2026 | - | - | - |
| 10-Q | Aug 10, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 24, 2026 | - | Analysis | - |
| 4 | Jul 6, 2026 | - | - | - |
| 4 | Jul 6, 2026 | - | - | - |
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| 4 | Jul 6, 2026 | - | - | - |
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COFS SEC filings: frequently asked questions
What was COFS's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CHOICEONE FINANCIAL SERVICES INC (COFS) reported revenue of $227.6 million (up 63.6% from FY2024) and net income of $28.2 million. Diluted EPS was $2.01. The figures come from the XBRL data in the 10-K.
What did COFS report in its latest 8-K?
CHOICEONE FINANCIAL SERVICES INC (COFS) filed an 8-K on July 24, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). July 24, 2026 earnings press release furnished as Exhibit 99.1.
What are the latest COFS SEC filings?
CHOICEONE FINANCIAL SERVICES INC (COFS) filed its latest 10-K annual report on March 13, 2026, a 10-Q quarterly report on August 10, 2026, an 8-K current report on July 24, 2026 and a Form 4 insider filing on October 2, 2026.
What is COFS's SEC CIK number?
CHOICEONE FINANCIAL SERVICES INC (COFS)'s SEC Central Index Key (CIK) is 803164. EDGAR lists every COFS filing under that number.
Ask anything about COFS
The research agent reads COFS's filings, financials, insider trades and 13F holders, then answers with sources.