Company: COFS
Filing Date: 2025-03-11
Form Type: 10-K
Source: 0000950170-25-036839
Chunk: 10

Company: CHOICEONE FINANCIAL SERVICES INC
Filing Date: 2025-03-11
Form: 10-K
Item: Item 1A
Chunk 10
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 stock. Some of these factors are financial market conditions, changes in financial accounting and reporting standards, new litigation or changes in existing litigation, regulatory actions and losses.

Risks Related to the Company’s Common Stock

Investments in the Company’s common stock involve risk.

The market price of the Company’s common stock may fluctuate significantly in response to a number of factors, including:

•Variations in quarterly or annual operating results

•Changes in dividends per share

•Changes in interest rates

•Changes in inflation levels

•Trade tariffs

•New developments, laws or regulations in the banking industry

•Acquisitions or business combinations involving the Company or its competition

•Regulatory actions, including changes to regulatory capital levels, the components of regulatory capital and how regulatory capital is calculated

•Volatility of stock market prices and volumes

•Changes in market valuations of similar companies

•New litigation or contingencies or changes in existing litigation or contingencies

•Changes in accounting policies or procedures as may be required by the Financial Accounting Standards Board or other regulatory agencies

•Rumors or erroneous information

•Credit and capital availability

•Issuance of additional shares of common stock or other debt or equity securities of the Company

•Market conditions

•General economic conditions

•Turbulence, uncertainty or a lack of confidence within the banking industry

The Company’s common stock, while publicly traded, has less liquidity than the average liquidity of stocks listed on the Nasdaq Stock Market.

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The Company’s common stock is listed for trading on the Nasdaq Capital Market.  However, the Company’s common stock has less liquidity than the average liquidity for companies listed in the Nasdaq Stock Market.  The public trading market for the Company’s common stock depends on a marketplace of willing buyers and sellers at any given time, which in turn depends on factors outside of the Company’s control, including general economic and market conditions and the decisions of individual investors.  The limited market for the Company’s common stock may affect a shareholder’s ability to sell their shares at any given time, and the sale of a large number of shares at one time could temporarily adversely affect the market price of our common stock. 

The Company's common stock is not insured by any government entity.

The Company’s common stock is not insured by the FDIC or any other government entity.  Investment in the Company’s common stock is subject to risk and potential loss.

A shareholder’s ownership of common stock may be diluted if the Company issues additional shares of common stock