Eastern Michigan Financial Corporation (EFIN)
OTCMKTS · Delayed Price · Currency is USD
63.28
-0.22 (-0.35%)
Sep 11, 2025, 2:21 PM EDT

EFIN Statistics

Total Valuation

EFIN has a market cap or net worth of 82.16 million.

Market Cap82.16M
Enterprise Value n/a

Important Dates

The next estimated earnings date is Thursday, October 23, 2025.

Earnings Date Oct 23, 2025
Ex-Dividend Date Sep 23, 2025

Share Statistics

EFIN has 1.30 million shares outstanding. The number of shares has increased by 2.53% in one year.

Current Share Class 1.30M
Shares Outstanding 1.30M
Shares Change (YoY) +2.53%
Shares Change (QoQ) +0.02%
Owned by Insiders (%) 6.52%
Owned by Institutions (%) n/a
Float 1.21M

Valuation Ratios

The trailing PE ratio is 10.99.

PE Ratio 10.99
Forward PE n/a
PS Ratio 3.60
PB Ratio 1.55
P/TBV Ratio 1.55
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings n/a
EV / Sales n/a
EV / EBITDA n/a
EV / EBIT n/a
EV / FCF n/a

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 15.42%.

Return on Equity (ROE) 15.42%
Return on Assets (ROA) 1.40%
Return on Invested Capital (ROIC) n/a
Return on Capital Employed (ROCE) n/a
Revenue Per Employee 223,588
Profits Per Employee 72,814
Employee Count 102
Asset Turnover n/a
Inventory Turnover n/a

Taxes

In the past 12 months, EFIN has paid 1.91 million in taxes.

Income Tax 1.91M
Effective Tax Rate 20.48%

Stock Price Statistics

The stock price has increased by +97.75% in the last 52 weeks. The beta is 0.27, so EFIN's price volatility has been lower than the market average.

Beta (5Y) 0.27
52-Week Price Change +97.75%
50-Day Moving Average 58.66
200-Day Moving Average 44.46
Relative Strength Index (RSI) 58.32
Average Volume (20 Days) 2,191

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) 0.05

Income Statement

In the last 12 months, EFIN had revenue of 22.81 million and earned 7.43 million in profits. Earnings per share was 5.76.

Revenue22.81M
Gross Profit 22.81M
Operating Income 9.60M
Pretax Income 9.34M
Net Income 7.43M
EBITDA n/a
EBIT n/a
Earnings Per Share (EPS) 5.76
Full Income Statement

Balance Sheet

The company has 44.17 million in cash and n/a in debt, giving a net cash position of 44.17 million or 34.02 per share.

Cash & Cash Equivalents 44.17M
Total Debt n/a
Net Cash 44.17M
Net Cash Per Share 34.02
Equity (Book Value) 52.90M
Book Value Per Share 40.74
Working Capital -405.17M
Full Balance Sheet

Cash Flow

Operating Cash Flow n/a
Capital Expenditures n/a
Free Cash Flow n/a
FCF Per Share n/a
Full Cash Flow Statement

Margins

Gross Margin n/a
Operating Margin 42.10%
Pretax Margin 40.95%
Profit Margin 32.57%
EBITDA Margin n/a
EBIT Margin n/a
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of 2.10, which amounts to a dividend yield of 3.32%.

Dividend Per Share 2.10
Dividend Yield 3.32%
Dividend Growth (YoY) n/a
Years of Dividend Growth 1
Payout Ratio n/a
Buyback Yield -2.53%
Shareholder Yield 0.79%
Earnings Yield 9.04%
FCF Yield n/a
Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 2