Eastern Michigan Financial Corporation (EFIN)
OTCMKTS · Delayed Price · Currency is USD
66.45
-0.15 (-0.23%)
Inactive · Last trade price on Dec 30, 2025
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 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 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 |
Interest Income on Loans | 13.64 | 13.79 | 10.67 | 8.58 | 10.98 | 9.7 |
Interest Income on Investments | 9.01 | 9.84 | 9.07 | 6 | 2.66 | 2.62 |
Total Interest Income | 22.65 | 23.62 | 19.74 | 14.58 | 13.64 | 12.33 |
Interest Paid on Deposits | 2.14 | 4.09 | 2.05 | 0.98 | 0.43 | 0.45 |
Net Interest Income | 20.51 | 19.54 | 17.69 | 13.6 | 13.21 | 11.87 |
Net Interest Income Growth (YoY) | 10.35% | 10.42% | 30.05% | 2.99% | 11.24% | -0.38% |
Other Non-Interest Income | 0.83 | 0.81 | 0.7 | 0.9 | 1.68 | 1.81 |
Total Non-Interest Income | 2.18 | 2.17 | 1.99 | 2.12 | 2.88 | 2.86 |
Non-Interest Income Growth (YoY) | 8.17% | 8.90% | -6.00% | -26.45% | 0.77% | 61.76% |
Revenues Before Loan Losses | 22.7 | 21.7 | 19.68 | 15.72 | 16.09 | 14.73 |
Provision for Loan Losses | -0.48 | 0 | 0.19 | -0.01 | -0.12 | 0.23 |
| 23.18 | 21.7 | 19.49 | 15.73 | 16.21 | 14.5 | |
Revenue Growth (YoY) | 12.92% | 11.32% | 23.94% | -2.95% | 11.75% | 7.18% |
Salaries and Employee Benefits | 6.78 | 6.78 | 6.28 | 5.9 | 5.38 | 5.16 |
Occupancy Expenses | 0.88 | 0.88 | 0.73 | 1.24 | 1.18 | 1.02 |
Federal Deposit Insurance | 0.26 | 0.26 | 0.26 | - | - | - |
Selling, General & Administrative | 0.97 | 0.97 | 0.87 | 0.36 | 0.3 | 0.21 |
Other Non-Interest Expense | 5.25 | 3.94 | 3.58 | 3.66 | 3.35 | 2.96 |
Total Non-Interest Expense | 14.14 | 12.83 | 11.71 | 11.16 | 10.2 | 9.35 |
EBT Excluding Unusual Items | 9.04 | 8.87 | 7.78 | 4.57 | 6 | 5.15 |
Pretax Income | 9.04 | 8.87 | 7.78 | 4.57 | 6 | 5.15 |
Income Tax Expense | 1.87 | 1.84 | 1.59 | 0.93 | 1.1 | 0.95 |
Net Income | 7.17 | 7.04 | 6.19 | 3.64 | 4.9 | 4.2 |
Net Income to Common | 7.17 | 7.04 | 6.19 | 3.64 | 4.9 | 4.2 |
Net Income Growth | 10.30% | 13.76% | 70.11% | -25.84% | 16.84% | 4.90% |
Basic Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 |
Diluted Shares Outstanding | 1 | 1 | 1 | 1 | 1 | 1 |
Shares Change (YoY) | 2.59% | 1.73% | -1.10% | 1.35% | 1.05% | 1.80% |
EPS (Basic) | 5.57 | 5.56 | 4.95 | 2.90 | 3.98 | 3.44 |
EPS (Diluted) | 5.53 | 5.52 | 4.93 | 2.87 | 3.92 | 3.39 |
EPS Growth | 7.65% | 11.97% | 71.78% | -26.79% | 15.63% | 3.04% |
Dividend Per Share | 1.600 | 1.600 | 1.500 | 1.300 | 1.100 | 1.000 |
Dividend Growth | - | 6.67% | 15.38% | 18.18% | 10.00% | 19.05% |
Effective Tax Rate | 20.71% | 20.68% | 20.48% | 20.42% | 18.28% | 18.50% |