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EFIN

Eastern Michigan Financial OTCPK:EFIN Stock Report

Last Price

US$26.50

Market Cap

US$33.3m

7D

5.5%

1Y

-21.6%

Updated

30 Jan, 2023

Data

Company Financials

Eastern Michigan Financial Corporation

OTCPK:EFIN Stock Report

Mkt Cap: US$33.3m

EFIN Stock Overview

Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services in Michigan.

EFIN fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends4/6

My Notes

New

Notes are coming soon

Eastern Michigan Financial Corporation Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Eastern Michigan Financial
Historical stock prices
Current Share PriceUS$26.50
52 Week HighUS$35.80
52 Week LowUS$25.00
Beta0.57
1 Month Change3.27%
3 Month Change-0.56%
1 Year Change-21.60%
3 Year Change-12.51%
5 Year Change17.00%
Change since IPO26.19%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

EFINUS BanksUS Market
7D5.5%3.3%2.8%
1Y-21.6%-14.7%-9.2%

Return vs Industry: EFIN underperformed the US Banks industry which returned -14.7% over the past year.

Return vs Market: EFIN underperformed the US Market which returned -9.2% over the past year.

Price Volatility

Is EFIN's price volatile compared to industry and market?
EFIN volatility
EFIN Average Weekly Movementn/a
Banks Industry Average Movement3.7%
Market Average Movement6.9%
10% most volatile stocks in US Market17.3%
10% least volatile stocks in US Market2.8%

Stable Share Price: Insufficient data to determine EFIN's volatility over the past 3 months.

Volatility Over Time: Insufficient data to determine EFIN's volatility change over the past year.

About the Company

FoundedEmployeesCEOWebsite
1895n/aWill Oldfordhttps://www.emb.bank

Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services in Michigan. The company offers interest- and noninterest-bearing checking and savings accounts, individual retirement accounts, time deposits, and certificates of deposit. It also provides home equity lines of credit, home equity term loans, automobile and truck loans, home mortgage loans, unsecured personal loans, and student loans, as well as RV, motorcycle, snowmobile, jet ski, boat, and ATV loans; equipment financing and loans, vehicle loans, working capital lines of credit, commercial real estate loans, construction and land development loans, multi-family dwelling loans, and small business association loans; and farm, construction, livestock, FSA guaranteed, and long term fixed rates loans services.

Eastern Michigan Financial Corporation Fundamentals Summary

How do Eastern Michigan Financial's earnings and revenue compare to its market cap?
EFIN fundamental statistics
Market CapUS$33.27m
Earnings (TTM)US$3.20m
Revenue (TTM)US$14.98m

10.4x

P/E Ratio

1.0x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
EFIN income statement (TTM)
RevenueUS$14.98m
Cost of RevenueUS$0
Gross ProfitUS$14.98m
Other ExpensesUS$11.77m
EarningsUS$3.20m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)2.55
Gross Margin100.00%
Net Profit Margin21.39%
Debt/Equity Ratio0%

How did EFIN perform over the long term?

See historical performance and comparison

Dividends

5.3%

Current Dividend Yield

49%

Payout Ratio