COFS CHOICEONE FINANCIAL SERVICES INC Insider Trading

Secretary Greenland Adom bought 500 COFS shares at $27.40; cluster buy pattern with 3 other insiders in past 14 days

Greenland Adom (Secretary) purchased 500 shares of ChoiceOne Financial at $27.40 on 2026-03-12, increasing holdings from 3,190 to 3,690 shares (+15.7%). This open-market buy occurred as the stock trades at $27.55, down 4.2% over 30 days and 13.7% over 90 days from recent highs. At the same-ticker level, the insider's prior two purchases (2024-07-25 and 2023-05-19) both demonstrated positive 90-day returns of 17.3% and 14.9% respectively, establishing a pattern of well-timed entries. Most significantly, a cluster buy pattern has emerged: 3 other insiders purchased shares within the past 14 days, signaling coordinated accumulation by multiple company officers. The company's fundamentals show robust growth with annual revenue up 63.6% year-over-year ($5.3M latest quarter) and net income of $14.7M on a $412.8M market cap, with a reasonable P/E of 18.01. The convergence of established insider track record at this ticker, synchronized multi-insider buying activity, and strong underlying fundamentals warrants investor attention.

Director Eric E Burrough buys 5,000 COFS shares at $27.50; 4 other insiders bought within 14 days

Director Eric E Burrough purchased 5,000 shares of CHOICEONE FINANCIAL SERVICES INC at $27.50 on 2026-03-11, expanding his holdings to 180,397 shares (+2.9%). This transaction joins a cluster of 4 other insider purchases within the past 14 days, indicating coordinated or concurrent buying pressure from multiple insiders. Burrough's same-ticker trade history at COFS shows two prior open-market buys (2025-11-17 and 2024-07-25) with 90-day returns of +0.9% and +24.2% respectively, establishing a pattern of executed purchases at this equity. The current stock price of $27.72 sits -14.0% from the 52-week high and -6.2% over 30 days, placing the entry point in a period of recent weakness relative to the company's annual revenue growth of +22.1% and net income of $14.7M.

Director McConnell Gregory A bought 1,050 shares of COFS at $27.94; stock down -13.3% from 52-week high amid cluster buying.

Director McConnell Gregory A purchased 1,050 shares at $27.94 on 2026-03-06, bringing holdings to 37,000 shares. The purchase occurs as COFS shares trade -13.3% below the 52-week high of $32.24 and down -7.8% over the prior 30 days. At the same-ticker level, his prior two measurable buys at COFS (2024-07-25 and 2023-11-02) each posted positive 90-day returns (+24.2% and +32.7%), establishing a pattern of well-timed entry timing at this specific stock. The filing also indicates 2 other insiders purchased within the past 14 days, forming a cluster buy pattern. Fundamentals show revenue growth of +22.1% annually, net income of $14.7M on quarterly revenue of $5.3M, and a P/E ratio of 19.55, suggesting the company operates profitably despite recent price weakness.

Director McGinnis Bradley F. bought 1,000 shares of COFS at $29.15 on 2026-03-03; stock now trading $29.58 amid 90-day decline of -6.5%.

McGinnis purchased 1,000 shares (1.0K shares) for $29,150.00 ($29.2K) on 2026-03-03, increasing holdings from 14,301 shares to 15,301 shares. The purchase price of $29.15 is below the current price of $29.58, though the stock is -8.2% from its 52-week high and down -6.5% over the past 90 days. Reviewing McGinnis's prior trades at COFS: his buy on 2025-02-18 saw a 90-day return of -7.1%, while his buy on 2023-05-18 achieved a 90-day return of +14.8%, with a 50% hit rate at this ticker. His cross-ticker track record across all open-market history shows 2 prior buys with an average 90-day return of +3.8%, suggesting modest historical success. The timing context—one of his two prior COFS purchases yielded positive 90-day returns—indicates mixed effectiveness in picking entry points at this specific security.

President Burke Michael J. Jr. purchases 250 COFS shares at $28.58; history shows 3 prior buys all positive at 90-day mark (up +21.7% to +32.2%)

Burke Michael J. Jr., COFS President, purchased 250 shares at $28.58 on 2026-02-27, bringing his holdings from 2,641 to 2,891 shares (+9.5%). His prior three purchases at COFS were consistently well-timed: the 2024-08-09 buy delivered +32.2% over 90 days, the 2024-08-02 buy delivered +21.7%, and the 2023-11-07 buy delivered +24.5%. This purchase occurs against a backdrop of strong fundamentals—annual revenue growth of +22.1%, a P/E of 20.58, and net income of $14.7M in the latest quarter. At the current price of $29.43 (up 2.6% in 30 days), the stock is -8.7% from its 52-week high, suggesting Burke may be buying into a period of relative weakness relative to recent peaks. The consistent pattern of profitable 90-day outcomes on his prior COFS purchases aligns with his cross-ticker track record of 100.00% win rate on buys at 90 days.

Director Gregory A McConnell bought 1,550 shares ($45,005.00) at COFS; 2 prior buys showed 100% 90-day win rate

Director Gregory A McConnell executed 2 separate purchases totaling 1,550 shares for $45,005.00, raising his holdings from 34,400 to 35,950 shares. His prior transactions at COFS demonstrate strong timing: buys on 2024-07-25 and 2023-11-02 generated 90-day returns of +24.2% and +32.7% respectively, establishing a 100% win rate across 2 same-ticker purchases. Across all his open-market transactions historically, his track record shows 2 prior buys with an average 90-day return of +28.4%. The current market price of $28.74 sits -12.7% below the 52-week high of $32.93, and these purchases at an average of $29.04 occur within that broader range. The company shows solid fundamentals: annual revenue growth of +22.1%, net income of $14.7M against quarterly revenue of $5.3M, and a P/E of 20.10.

Director Eric Burrough buys 5,000 COFS shares at $28.50; prior buy at same ticker returned +24.2% in 90 days

Burrough, a director of ChoiceOne Financial Services, purchased 5,000 shares at $28.50 on 2025-11-17, increasing his holdings by 5,000 shares to 174,833 shares post-transaction. His prior purchase at COFS on 2024-07-25 generated a 90-day return of +24.2%, demonstrating accurate timing on that earlier trade at this specific ticker. The current stock price of $28.79 is approximately flat to his entry, while his prior transaction was made at a point where the stock subsequently appreciated meaningfully. His cross-ticker track record shows 1 prior open-market buy with an average 90-day return of +24.2% and a 100% win rate, providing context for his historical selection process. The company shows solid fundamentals with annual revenue growth of +22.1% and a P/E of 20.13, though the stock trades 23.6% below its 52-week high of $37.71.

Director Curt E Coulter bought 10 shares of COFS at $29.78 on 2025-03-14; 52-week price down -23.8% from high.

Coulter Curt E, a director of CHOICEONE FINANCIAL SERVICES INC, purchased 10 shares on 2025-03-14 at $29.78, bringing his holdings to 8,850 shares. The transaction is minimal in scale (10 shares, $297.80 total value), representing only a 0.1% increase in his position. Stock price has declined significantly from the 52-week high of $37.71, currently trading at $28.72 (-23.8% from peak) and down 11.7% over the past 30 days. While his cross-ticker track record shows positive returns on average (26.7% 30d, 20.8% 90d, 100% win rate), and his prior COFS buy in November 2023 proved well-timed with 20.8% 90d gain, the current transaction's very small size limits its informational weight as a conviction signal. The company's fundamentals remain intact with net income of $7.3M and annual revenue growth of +22.1%, though the recent stock weakness suggests investor sentiment has deteriorated.

Director Bradley F. McGinnis buys 1,000 shares of COFS at $32.84; repeats prior successful buy pattern at this ticker.

McGinnis purchased 1,000 shares at $32.84 on 2025-02-18, increasing his holdings to 14,301 shares and matching his prior buy at COFS on 2023-05-18, which generated a 14.8% 90-day return. The current stock price of $32.63 sits 13.5% below the 52-week high of $37.71 and has declined 5.9% over 30 days, placing this purchase in a recent downtrend. His cross-ticker track record shows 100% win rate on buy timing (1 prior buy with positive 90-day return), and his same-ticker history at COFS aligns with this pattern, suggesting a deliberate recurrence of an approach that previously proved successful at this company.

COFS President Burke bought 500 shares at $26.75 on 2024-08-09; second consecutive buy in 7 days; prior COFS buy on 2023-11-07 returned +24.5% over 90 days.

Burke Michael J Jr, President of ChoiceOne Financial Services, purchased 500 shares at $26.75, bringing his holdings from 2,000 to 2,500 shares. This follows a prior purchase on 2024-08-02, marking two acquisitions within one week. His track record across all tickers shows 2 prior buys with an average 90-day return of +24.5%, and his most recent measurable COFS trade (2023-11-07) also returned +24.5% over 90 days. The stock currently trades at $26.82, down -15.6% from its 52-week high of $31.77, suggesting recent price weakness. The company's fundamentals remain solid: P/E of 9.54 and latest quarterly net income of $5,634,000.00. Back-to-back insider purchases at a discounted price level merit attention.