EFIN Stock Overview
Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services to individuals and businesses in Michigan.
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 5/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Eastern Michigan Financial Corporation Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$30.03 |
| 52 Week High | US$30.30 |
| 52 Week Low | US$22.90 |
| Beta | 0.53 |
| 1 Month Change | 5.55% |
| 3 Month Change | 15.50% |
| 1 Year Change | 25.12% |
| 3 Year Change | 3.55% |
| 5 Year Change | 15.50% |
| Change since IPO | 43.00% |
Recent News & Updates
No updates
Recent updates
No updates
Shareholder Returns
| EFIN | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.1% | -4.1% | -3.7% |
| 1Y | 25.1% | 19.9% | 20.5% |
Return vs Industry: EFIN exceeded the US Banks industry which returned 19.2% over the past year.
Return vs Market: EFIN exceeded the US Market which returned 20.2% over the past year.
Price Volatility
| EFIN volatility | |
|---|---|
| EFIN Average Weekly Movement | n/a |
| Banks Industry Average Movement | 4.5% |
| Market Average Movement | 6.0% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: EFIN has not had significant price volatility in 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 | www.emb.bank |
Eastern Michigan Financial Corporation operates as the bank holding company for Eastern Michigan Bank that provides retail and commercial banking services to individuals and businesses in Michigan. The company offers 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, 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, multi-family dwelling loans, commercial real estate loans, construction and land development loans, and small business association loans; and machinery, farm, construction, livestock, FSA guaranteed, and long term fixed rates loans.
Eastern Michigan Financial Corporation Fundamentals Summary
| EFIN fundamental statistics | |
|---|---|
| Market cap | US$36.08m |
| Earnings (TTM) | US$6.25m |
| Revenue (TTM) | US$19.75m |
6.1x
P/E Ratio0.9x
P/B RatioIs EFIN overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| EFIN income statement (TTM) | |
|---|---|
| Revenue | US$19.75m |
| Cost of Revenue | US$0 |
| Gross Profit | US$19.75m |
| Other Expenses | US$13.50m |
| Earnings | US$6.25m |
Last Reported Earnings
Mar 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 4.94 |
| Gross Margin | 100.00% |
| Net Profit Margin | 31.66% |
| Debt/Equity Ratio | 0% |
How did EFIN perform over the long term?
See historical performance and comparison