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8-K ·Filed May 20, 2026

COFS

CHOICEONE FINANCIAL SERVICES INC
NEUTRAL
Impact 3/10
Horizondays Processed5mo ago SEC0000905729-26-000107
8-K context-dependent: Items 7.01
Actionable Insight • Neutral

This is a routine annual meeting filing with no new material information. No trading action warranted. Monitor next quarterly earnings for any guidance updates or operational trends.

DirectionNeutral
Confidencehigh
Horizondays
Final — all horizons settled through T+60d
COFS ▲ +9.67% at T+60d
NEUTRAL call +9.67% · α vs SPY +4.66% · entry $31.35 → $34.38
Entry = T+0 close
May 20, 2026
via day close
T+1d
+0.83%
call +0.83% · α +0.64%
$31.61
settled 5mo ago
T+5d
+0.22%
call +0.22% · α -1.58%
$31.42
settled 5mo ago
T+20d
+1.66%
call +1.66% · α +0.92%
$31.87
settled 4mo ago
T+60d
+9.67%
call +9.67% · α +4.66%
$34.38
settled 2mo ago

Price Chart

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Executive Summary

ChoiceOne Financial Services filed an 8-K furnishing its annual shareholder meeting presentation (May 20, 2026). The presentation is a routine update covering board elections, executive compensation advisory vote, auditor ratification, and a financial summary. No new material financial guidance, preliminary results, or material events were disclosed beyond what was already public.

Key Facts

  • Annual shareholder meeting held May 20, 2026; presentation furnished as Exhibit 99.1
  • Proposals include election of directors, advisory vote on executive compensation, and ratification of Plante & Moran as auditor
  • Financial summary shows Q1 2026 net income of $13.704M, adjusted net income of $13.704M, basic EPS of $0.91, adjusted basic EPS of $0.91
  • Total assets $4.4B, deposits $3.7B, gross loans $3.0B as of 3/31/2026
  • Adjusted ROAA for Q1 2026 annualized at 1.24%; adjusted ROAE annualized at 11.65%
  • Quarterly cash dividend of $0.29 per share declared in Q1 2026 (annualized $1.16, 3.8% yield at 12/31/25)
  • No new forward guidance or material non-public information disclosed

Financial Impact

No material financial impact; routine shareholder meeting presentation with previously disclosed financials

Risk Factors

  • No new risks disclosed; standard forward-looking statement disclaimers apply

Market Snapshot

Exchange
Nasdaq
Sector
State Commercial Banks
Analyst Consensus
78% bullish (9 analysts)

Investment Themes

Traditional Finance

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0000905729-26-000107
Document: choice8k_052026.htm0000905729-26-000107
Document: 0000905729-26-000107-index-headers.html0000905729-26-000107
Document: 0000905729-26-000107-index.html0000905729-26-000107
Document: 0000905729-26-000107.txt0000905729-26-000107
10 reports for COFS
Performance horizon

Track record builds as more directional reports settle.

Filters
Rows
Reports for COFS — sortable, filterable
TypeNow
Sep 22, 2026
4w ago
Institutional Cluster
NEUTRAL ★ 3/10
$32.87awaiting T+60—$34.26 (+4.23%)
Jul 24, 2026
13w ago
8-K
BEARISH ★ 6/10
$32.72 $32.84▼ −0.37%▲ +2.92%$34.26 (−4.71%)
Jun 22, 2026
18w ago
EFFECT
NEUTRAL ★ 4/10
$32.08 $33.80▲ +5.36%▲ +3.62%$34.26 (+6.80%)
May 22, 2026
22w ago
S-3
NEUTRAL ★ 3/10
$31.44 $34.03▲ +8.24%▲ +5.05%$34.26 (+8.97%)
May 20, 2026
22w ago
8-K
NEUTRAL ★ 3/10
$31.35 $34.38▲ +9.67%▲ +4.66%$34.26 (+9.28%)
Apr 24, 2026
26w ago
8-K
BEARISH ★ 6/10
$30.78 $34.59▼ −12.38%▼ −7.30%$34.26 (−11.31%)
Mar 6, 2026
33w ago
Insider Cluster
NEUTRAL ★ 4/10
$27.98 $31.00▲ +10.78%▼ −2.00%$34.26 (+22.43%)
Mar 6, 2026
33w ago
Insider Cluster
NEUTRAL ★ 4/10
$27.98 $31.00▲ +10.78%▼ −2.00%$34.26 (+22.43%)
Feb 27, 2026
34w ago
Insider Cluster
NEUTRAL ★ 3/10
$28.32 $31.87▲ +12.53%▲ +3.15%$34.26 (+20.97%)
Feb 27, 2026
34w ago
Insider Cluster
NEUTRAL ★ 3/10
$28.32 $31.87▲ +12.53%▲ +3.15%$34.26 (+20.97%)
Showing 10 of 10

US Market Status

Market Closed — Opens Wed (12h 38m)

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Report published May 20, 2026