Eastern Michigan Financial Corp is a bank holding company. The Company through its holding provides baking products and services including personal banking, business banking and lending including diversified loans. Personal banking includes debit and credit cards, mobile banking and deposit services where Business banking includes cash management and other business-related services. The portfolio segments include commercial and industrial, agricultural, real estate related industries, other commercial loans, residential real estate, consumer and other, and home equity.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	No Debt
Equity-to-Asset	0.09
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	3.3
	3-Year EPS without NRI Growth Rate	-4.5
	3-Year FCF Growth Rate	7
	3-Year Book Growth Rate	-6.4

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	51.15
	9-Day RSI	52.24
	14-Day RSI	56.78
	6-1 Month Momentum %	21.91
	12-1 Month Momentum %	42.86

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.51
	Dividend Payout Ratio	0.32
	3-Year Dividend Growth Rate	15.7
	Forward Dividend Yield %	4.51
	5-Year Yield-on-Cost %	14.44
	3-Year Average Share Buyback Ratio	-0.9
	Shareholder Yield %	4.52

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	30.43
	FCF Margin %	37.4
	ROE %	11.16
	ROA %	0.85
	Years of Profitability over Past 10-Year	10

GF Value Rank

1/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	9.47
	PE Ratio without NRI	9.47
	Shiller PE Ratio	11.24
	Price-to-Owner-Earnings	13.32
	PS Ratio	2.87
	PB Ratio	0.92
	Price-to-Tangible-Book	0.92
	Price-to-Free-Cash-Flow	7.72
	Price-to-Operating-Cash-Flow	7.43
	EV-to-Revenue	1.49
	EV-to-FCF	3.97
	Price-to-Projected-FCF	0.69
	Price-to-Graham-Number	0.62
	FCF Yield %	13.09
	Forward Rate of Return (Yacktman) %	9.71

Financials

Annual Quarterly TTM

EFIN's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with OTCPK:EFIN

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Eastern Michigan Financial Corp Executives

Details

GF Value: $18.92

EFIN

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with EFIN. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	15.536
	EPS (TTM) ($)	3.74
	Beta	0.25
	Volatility %	15.15
	14-Day RSI	56.78
	14-Day ATR ($)	0.210331
	20-Day SMA ($)	35.6045
	12-1 Month Momentum %	42.86
	52-Week Range ($)	24.2975 - 37
	Shares Outstanding (Mil)	1.25

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Eastern Michigan Financial Corp Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Eastern Michigan Financial Corp Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

Eastern Michigan Financial Corp Frequently Asked Questions

What is Eastern Michigan Financial Corp(EFIN)'s stock price today?

The current price of EFIN is $35.41. The 52 week high of EFIN is $37.00 and 52 week low is $24.30.

When is next earnings date of Eastern Michigan Financial Corp(EFIN)?

The next earnings date of Eastern Michigan Financial Corp(EFIN) is .

Does Eastern Michigan Financial Corp(EFIN) pay dividends? If so, how much?

The Dividend Yield % of Eastern Michigan Financial Corp(EFIN) is 4.51% (As of Today), Highest Dividend Payout Ratio of Eastern Michigan Financial Corp(EFIN) was 0.45. The lowest was 0.17. And the median was 0.28. The Forward Dividend Yield % of Eastern Michigan Financial Corp(EFIN) is 4.51%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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