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Zacks Company Profile for ChoiceOne Financial Services, Inc. (COFS : NSDQ)

• Company Description    ChoiceOne Financial Services Inc. is a financial holding company and the parent corporation of ChoiceOne Bank and Lakestone Bank & Trust. It offers insurance and investment products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services Inc. is headquartered in Sparta, Michigan. Number of Employees: 392

• Price / Volume Information    Yesterday's Closing Price: $30.45 Daily Weekly Monthly 20 Day Moving Average: 60,925 shares Shares Outstanding: 15.02 (millions) Market Capitalization: $457.21 (millions) Beta: 0.59 52 Week High: $38.15 52 Week Low: $24.89 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week 0.23% -1.58% 12 Week 9.49% -0.59% Year To Date -14.56% -23.72%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 109 EAST DIVISION P O BOX 186 - SPARTA,MI 49345 USA ph: 616-887-7366 fax: - ir@choiceone.com http://www.choiceone.bank

• General Corporate Information    Officers Kelly J. Potes - Chief Executive Officer Jack G. Hendon - Chairman of the Board and Director Michael J. Burke - President and Director Adom J. Greenland - Chief Financial Officer andTreasurer Greg L. Armock - Director Peer Information ChoiceOne Financial Services, Inc. (EIIN) ChoiceOne Financial Services, Inc. (AFMI) ChoiceOne Financial Services, Inc. (DRL) ChoiceOne Financial Services, Inc. (GRFPY) ChoiceOne Financial Services, Inc. (IGOT) ChoiceOne Financial Services, Inc. (ATLC) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: FIN-MISC SVCS Sector: Finance CUSIP: 170386106 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 06/01/25 Next Expected EPS Date: 10/22/25 Share - Related Items Shares Outstanding: 15.02 Most Recent Split Date: (:1) Beta: 0.59 Market Capitalization: $457.21 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 3.68% Current Fiscal Quarter EPS Consensus Estimate: $0.86 Indicated Annual Dividend: $1.12 Current Fiscal Year EPS Consensus Estimate: $3.47 Payout Ratio: 0.32 Number of Estimates in the Fiscal Year Consensus: 2.00 Change In Payout Ratio: -0.03 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 06/13/2025 - $0.28 Next EPS Report Date: 10/22/25

• Fundamental Ratios P/E Current FY Estimate: 8.78 Trailing 12 Months: 8.63 PEG Ratio: - Price Ratios Price/Book: 1.06 Price/Cash Flow: 6.81 Price / Sales: 2.57 EPS Growth vs. Year Ago Period: 4.60% vs. Previous Quarter: 5.81% Sales Growth vs. Year Ago Period: 77.59% vs. Previous Quarter: 34.64% ROE 06/30/25 - 11.26 03/31/25 - 10.93 12/31/24 - 11.94 ROA 06/30/25 - 1.09 03/31/25 - 1.01 12/31/24 - 1.03 Current Ratio 06/30/25 - 0.85 03/31/25 - 0.83 12/31/24 - 0.74 Quick Ratio 06/30/25 - 0.85 03/31/25 - 0.83 12/31/24 - 0.73 Operating Margin 06/30/25 - 21.64 03/31/25 - 20.73 12/31/24 - 19.94 Net Margin 06/30/25 - 7.95 03/31/25 - 4.74 12/31/24 - 19.21 Pre-Tax Margin 06/30/25 - 9.64 03/31/25 - 5.71 12/31/24 - 23.79 Book Value 06/30/25 - 28.81 03/31/25 - 28.52 12/31/24 - 29.05 Inventory Turnover 06/30/25 - 6.86 03/31/25 - 6.23 12/31/24 - 5.41 Debt-to-Equity 06/30/25 - 0.57 03/31/25 - 0.43 12/31/24 - 0.81 Debt-to-Capital 06/30/25 - 36.36 03/31/25 - 30.28 12/31/24 - 44.73

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