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 Growth | 11.2% |
Revenue growth rate | 8.1% |
Return on equity | 15.3% |
Net Margin | 31.7% |
Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
No updates
Recent updates
No updates
Revenue & Expenses BreakdownBeta
How Eastern Michigan Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
---|---|---|---|---|
31 Dec 23 | 19 | 6 | 7 | 0 |
30 Sep 23 | 19 | 6 | 7 | 0 |
30 Jun 23 | 18 | 5 | 7 | 0 |
31 Mar 23 | 17 | 4 | 7 | 0 |
31 Dec 22 | 16 | 4 | 7 | 0 |
30 Sep 22 | 15 | 3 | 7 | 0 |
30 Jun 22 | 15 | 4 | 7 | 0 |
31 Mar 22 | 16 | 4 | 7 | 0 |
31 Dec 21 | 16 | 5 | 7 | 0 |
30 Sep 21 | 16 | 5 | 6 | 0 |
30 Jun 21 | 15 | 5 | 6 | 0 |
31 Mar 21 | 15 | 5 | 6 | 0 |
31 Dec 20 | 15 | 4 | 6 | 0 |
30 Sep 20 | 14 | 4 | 6 | 0 |
30 Jun 20 | 14 | 4 | 6 | 0 |
31 Mar 20 | 14 | 4 | 6 | 0 |
31 Dec 19 | 14 | 4 | 6 | 0 |
30 Sep 19 | 14 | 4 | 6 | 0 |
30 Jun 19 | 13 | 4 | 6 | 0 |
31 Mar 19 | 13 | 3 | 6 | 0 |
31 Dec 18 | 12 | 3 | 6 | 0 |
30 Sep 18 | 12 | 3 | 5 | 0 |
30 Jun 18 | 12 | 3 | 5 | 0 |
31 Mar 18 | 11 | 3 | 5 | 0 |
31 Dec 17 | 11 | 2 | 5 | 0 |
30 Sep 17 | 11 | 2 | 5 | 0 |
30 Jun 17 | 11 | 2 | 5 | 0 |
31 Mar 17 | 11 | 2 | 5 | 0 |
31 Dec 16 | 11 | 2 | 5 | 0 |
30 Sep 16 | 11 | 2 | 5 | 0 |
30 Jun 16 | 10 | 2 | 5 | 0 |
31 Mar 16 | 10 | 2 | 5 | 0 |
31 Dec 15 | 10 | 2 | 5 | 0 |
30 Sep 15 | 10 | 2 | 5 | 0 |
30 Jun 15 | 10 | 2 | 5 | 0 |
31 Mar 15 | 10 | 2 | 5 | 0 |
31 Dec 14 | 10 | 2 | 5 | 0 |
30 Sep 14 | 10 | 2 | 5 | 0 |
31 Dec 13 | 10 | 2 | 5 | 0 |
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.