Eastern Michigan Financial Corporation

OTCPK:EFIN Stock Report

Market Cap: US$35.7m

Eastern Michigan Financial Past Earnings Performance

Past criteria checks 5/6

Eastern Michigan Financial has been growing earnings at an average annual rate of 7.7%, while the Banks industry saw earnings growing at 10.6% annually. Revenues have been growing at an average rate of 8.1% per year. Eastern Michigan Financial's return on equity is 15.3%, and it has net margins of 31.7%.

Key information

7.7%

Earnings growth rate

6.5%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate8.1%
Return on equity15.3%
Net Margin31.7%
Last Earnings Update31 Dec 2023

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown
Beta

How Eastern Michigan Financial makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

OTCPK:EFIN Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Dec 2319670
30 Sep 2319670
30 Jun 2318570
31 Mar 2317470
31 Dec 2216470
30 Sep 2215370
30 Jun 2215470
31 Mar 2216470
31 Dec 2116570
30 Sep 2116560
30 Jun 2115560
31 Mar 2115560
31 Dec 2015460
30 Sep 2014460
30 Jun 2014460
31 Mar 2014460
31 Dec 1914460
30 Sep 1914460
30 Jun 1913460
31 Mar 1913360
31 Dec 1812360
30 Sep 1812350
30 Jun 1812350
31 Mar 1811350
31 Dec 1711250
30 Sep 1711250
30 Jun 1711250
31 Mar 1711250
31 Dec 1611250
30 Sep 1611250
30 Jun 1610250
31 Mar 1610250
31 Dec 1510250
30 Sep 1510250
30 Jun 1510250
31 Mar 1510250
31 Dec 1410250
30 Sep 1410250
31 Dec 1310250

Quality Earnings: EFIN has high quality earnings.

Growing Profit Margin: EFIN's current net profit margins (31.7%) are higher than last year (23.1%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: EFIN's earnings have grown by 7.7% per year over the past 5 years.

Accelerating Growth: EFIN's earnings growth over the past year (70.1%) exceeds its 5-year average (7.7% per year).

Earnings vs Industry: EFIN earnings growth over the past year (70.1%) exceeded the Banks industry -8.9%.


Return on Equity

High ROE: EFIN's Return on Equity (15.3%) is considered low.


Return on Assets


Return on Capital Employed


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