Eastern Michigan Financial Corporation (EFIN)
OTCMKTS
· Delayed Price · Currency is USD
41.15
+0.52 (1.28%)
Jun 20, 2025, 12:28 PM EDT
EFIN Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
| Interest Income on Loans | 13.79 | 13.79 | 10.67 | 8.58 | 10.98 | 9.7 | Upgrade
|
| Interest Income on Investments | 9.39 | 9.84 | 9.07 | 6 | 2.66 | 2.62 | Upgrade
|
| Total Interest Income | 23.19 | 23.62 | 19.74 | 14.58 | 13.64 | 12.33 | Upgrade
|
| Interest Paid on Deposits | 3.42 | 4.09 | 2.05 | 0.98 | 0.43 | 0.45 | Upgrade
|
| Net Interest Income | 19.77 | 19.54 | 17.69 | 13.6 | 13.21 | 11.87 | Upgrade
|
| Net Interest Income Growth (YoY) | 10.18% | 10.42% | 30.05% | 2.99% | 11.24% | -0.38% | Upgrade
|
| Other Non-Interest Income | 0.79 | 0.81 | 0.7 | 0.9 | 1.68 | 1.81 | Upgrade
|
| Total Non-Interest Income | 2.15 | 2.17 | 1.99 | 2.12 | 2.88 | 2.86 | Upgrade
|
| Non-Interest Income Growth (YoY) | 6.88% | 8.90% | -6.00% | -26.45% | 0.77% | 61.76% | Upgrade
|
| Revenues Before Loan Losses | 21.91 | 21.7 | 19.68 | 15.72 | 16.09 | 14.73 | Upgrade
|
| Provision for Loan Losses | -0.05 | 0 | 0.19 | -0.01 | -0.12 | 0.23 | Upgrade
|
| Revenue | 21.96 | 21.7 | 19.49 | 15.73 | 16.21 | 14.5 | Upgrade
|
| Revenue Growth (YoY) | 11.18% | 11.32% | 23.94% | -2.95% | 11.75% | 7.18% | Upgrade
|
| Salaries and Employee Benefits | 6.78 | 6.78 | 6.28 | 5.9 | 5.38 | 5.16 | Upgrade
|
| Occupancy Expenses | 0.88 | 0.88 | 0.73 | 1.24 | 1.18 | 1.02 | Upgrade
|
| Federal Deposit Insurance | 0.26 | 0.26 | 0.26 | - | - | - | Upgrade
|
| Selling, General & Administrative | 0.97 | 0.97 | 0.87 | 0.36 | 0.3 | 0.21 | Upgrade
|
| Other Non-Interest Expense | 4.29 | 3.94 | 3.58 | 3.66 | 3.35 | 2.96 | Upgrade
|
| Total Non-Interest Expense | 13.18 | 12.83 | 11.71 | 11.16 | 10.2 | 9.35 | Upgrade
|
| EBT Excluding Unusual Items | 8.78 | 8.87 | 7.78 | 4.57 | 6 | 5.15 | Upgrade
|
| Pretax Income | 8.78 | 8.87 | 7.78 | 4.57 | 6 | 5.15 | Upgrade
|
| Income Tax Expense | 1.82 | 1.84 | 1.59 | 0.93 | 1.1 | 0.95 | Upgrade
|
| Net Income | 6.96 | 7.04 | 6.19 | 3.64 | 4.9 | 4.2 | Upgrade
|
| Net Income to Common | 6.96 | 7.04 | 6.19 | 3.64 | 4.9 | 4.2 | Upgrade
|
| Net Income Growth | 11.34% | 13.76% | 70.11% | -25.84% | 16.84% | 4.90% | Upgrade
|
| Basic Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 | Upgrade
|
| Diluted Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 | Upgrade
|
| Shares Change (YoY) | 2.32% | 1.73% | -1.10% | 1.35% | 1.05% | 1.80% | Upgrade
|
| EPS (Basic) | 5.46 | 5.56 | 4.95 | 2.90 | 3.98 | 3.44 | Upgrade
|
| EPS (Diluted) | 5.43 | 5.52 | 4.93 | 2.87 | 3.92 | 3.39 | Upgrade
|
| EPS Growth | 8.95% | 11.97% | 71.78% | -26.79% | 15.63% | 3.04% | Upgrade
|
| Dividend Per Share | 1.600 | 1.600 | 1.500 | 1.300 | 1.100 | 1.000 | Upgrade
|
| Dividend Growth | 3.23% | 6.67% | 15.38% | 18.18% | 10.00% | 19.05% | Upgrade
|
| Effective Tax Rate | 20.71% | 20.68% | 20.48% | 20.42% | 18.28% | 18.50% | Upgrade
|
Updated Mar 7, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.