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.
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
My Notes
NewNotes are coming soon
Eastern Michigan Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$26.50 |
| 52 Week High | US$35.80 |
| 52 Week Low | US$25.00 |
| Beta | 0.57 |
| 1 Month Change | 3.27% |
| 3 Month Change | -0.56% |
| 1 Year Change | -21.60% |
| 3 Year Change | -12.51% |
| 5 Year Change | 17.00% |
| Change since IPO | 26.19% |
Recent News & Updates
No updates
Recent updates
No updates
Shareholder Returns
| EFIN | US Banks | US Market | |
|---|---|---|---|
| 7D | 5.5% | 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
| EFIN volatility | |
|---|---|
| EFIN Average Weekly Movement | n/a |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 17.3% |
| 10% least volatile stocks in US Market | 2.8% |
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
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1895 | n/a | Will Oldford | https://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
| EFIN fundamental statistics | |
|---|---|
| Market Cap | US$33.27m |
| Earnings (TTM) | US$3.20m |
| Revenue (TTM) | US$14.98m |
10.4x
P/E Ratio1.0x
P/B RatioIs EFIN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EFIN income statement (TTM) | |
|---|---|
| Revenue | US$14.98m |
| Cost of Revenue | US$0 |
| Gross Profit | US$14.98m |
| Other Expenses | US$11.77m |
| Earnings | US$3.20m |
Last Reported Earnings
Sep 30, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.55 |
| Gross Margin | 100.00% |
| Net Profit Margin | 21.39% |
| Debt/Equity Ratio | 0% |
How did EFIN perform over the long term?
See historical performance and comparison