Menu

Markets

Research

News

Learn
Paper trading
AI Chat
WatchlistsPortfoliosAlerts
Sign in

EFIN

Eastern Michigan Financial Corporation

USD

Set alert

Price alert · EFIN

All alert types
66.45 USD 0.00 0.00%
As of Dec 30, 2025
66.45 Day range 66.55
36.21 52-week range 66.99
YTD
+84.53%
1 year
+84.53%
Open
66.55
Prev close
66.45
Mkt cap
85.54M
Vol
200
Avg vol
515
EPS
5.54
P/E
11.99
More statistics
Low
66.45
High
66.55

5D chart

Chart tools
Interval
1m5m15m30m

Chart is warming up

The five-day price history for EFIN has not been loaded yet. Try again in a moment.

Financial health

Altman Z-Score

-0.62 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 6.5×
FY 2015: 9.9×FY 2016: 11.0×FY 2017: 11.0×FY 2018: 8.6×FY 2019: 9.1×FY 2020: 8.0×FY 2021: 9.0×FY 2022: 8.8×FY 2023: 5.1×FY 2024: 6.5×
FY 2015 5y median 8.0× FY 2024
P/S 1.8×
FY 2015: 1.8×FY 2016: 2.1×FY 2017: 2.3×FY 2018: 2.0×FY 2019: 2.5×FY 2020: 2.2×FY 2021: 2.7×FY 2022: 1.9×FY 2023: 1.4×FY 2024: 1.8×
FY 2015 5y median 1.9× FY 2024
P/B 0.9×
FY 2015: 0.7×FY 2016: 0.8×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.9×
FY 2015 5y median 0.9× FY 2024
P/FCF 6.3×
FY 2015: 8.0×FY 2016: 8.4×FY 2017: 10.4×FY 2018: 6.1×FY 2019: 8.1×FY 2020: 10.2×FY 2021: 8.4×FY 2022: 5.5×FY 2023: 4.1×FY 2024: 6.3×
FY 2015 5y median 6.3× FY 2024
EV/EBITDA 1.8×
FY 2015: -18.2×FY 2016: -0.7×FY 2017: -4.9×FY 2018: -6.0×FY 2019: -2.7×FY 2020: -21.5×FY 2021: -7.3×FY 2022: -8.1×FY 2023: 0.4×FY 2024: 1.8×
FY 2015 5y median -7.3× FY 2024
EV/Sales 0.7×
FY 2015: -0.8×FY 2016: -0.0×FY 2017: -1.6×FY 2018: -1.9×FY 2019: -1.0×FY 2020: -7.9×FY 2021: -2.8×FY 2022: -2.4×FY 2023: 0.2×FY 2024: 0.7×
FY 2015 5y median -2.4× FY 2024
FCF Yield 15.8%
FY 2015: 12.6%FY 2016: 11.9%FY 2017: 9.7%FY 2018: 16.5%FY 2019: 12.4%FY 2020: 9.8%FY 2021: 12.0%FY 2022: 18.1%FY 2023: 24.4%FY 2024: 15.8%
FY 2015 5y median 15.8% FY 2024

Profitability

Gross Margin 84.1%
FY 2015: 100.0%FY 2016: 100.0%FY 2017: 96.9%FY 2018: 96.3%FY 2019: 93.9%FY 2020: 97.0%FY 2021: 97.4%FY 2022: 94.2%FY 2023: 90.6%FY 2024: 84.1%
FY 2015 5y median 94.2% FY 2024
Operating Margin 34.4%
FY 2015: 25.4%FY 2016: 25.6%FY 2017: 30.1%FY 2018: 29.1%FY 2019: 33.4%FY 2020: 33.9%FY 2021: 36.3%FY 2022: 27.4%FY 2023: 35.7%FY 2024: 34.4%
FY 2015 5y median 34.4% FY 2024
Net Margin 27.3%
FY 2015: 18.6%FY 2016: 18.7%FY 2017: 20.8%FY 2018: 23.9%FY 2019: 27.5%FY 2020: 27.6%FY 2021: 29.7%FY 2022: 21.8%FY 2023: 28.4%FY 2024: 27.3%
FY 2015 5y median 27.6% FY 2024
ROE 14.5%
FY 2015: 6.7%FY 2016: 6.9%FY 2017: 7.5%FY 2018: 9.0%FY 2019: 10.3%FY 2020: 9.8%FY 2021: 11.0%FY 2022: 11.1%FY 2023: 15.3%FY 2024: 14.5%
FY 2015 5y median 11.1% FY 2024
ROIC 13.8%
FY 2015: 1.9%FY 2016: 1.8%FY 2017: 7.3%FY 2018: 8.7%FY 2019: 10.0%FY 2020: 9.5%FY 2021: 10.6%FY 2022: 10.1%FY 2023: 4.2%FY 2024: 13.8%
FY 2015 5y median 10.1% FY 2024
ROA 1.4%
FY 2015: 0.7%FY 2016: 0.6%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 1.1%FY 2020: 0.9%FY 2021: 0.9%FY 2022: 0.6%FY 2023: 1.1%FY 2024: 1.4%
FY 2015 5y median 0.9% FY 2024

Growth (YoY)

Revenue 18.5%
FY 2015: 9.0%FY 2016: 5.8%FY 2017: 4.2%FY 2018: 11.1%FY 2019: 12.1%FY 2020: 4.2%FY 2021: 8.8%FY 2022: 1.1%FY 2023: 30.4%FY 2024: 18.5%
FY 2015 FY 2024
Operating Income 14.2%
FY 2015: 10.3%FY 2016: 6.7%FY 2017: 22.7%FY 2018: 7.2%FY 2019: 28.6%FY 2020: 5.9%FY 2021: 16.5%FY 2022: -23.8%FY 2023: 70.2%FY 2024: 14.2%
FY 2015 FY 2024
EPS (diluted) 12.0%
FY 2015: 6.9%FY 2016: 5.8%FY 2017: 14.4%FY 2018: 24.6%FY 2019: 27.5%FY 2020: 3.0%FY 2021: 15.6%FY 2022: -26.8%FY 2023: 71.8%FY 2024: 12.0%
FY 2015 FY 2024
Free Cash Flow -6.1%
FY 2015: -21.0%FY 2016: 12.9%FY 2017: -6.1%FY 2018: 69.0%FY 2019: 3.2%FY 2020: -27.1%FY 2021: 60.2%FY 2022: 10.2%FY 2023: 31.9%FY 2024: -6.1%
FY 2015 FY 2024

Financial Health

Current Ratio 0.1×
FY 2015: 0.2×FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×
FY 2015 5y median 0.1× FY 2024
Quick Ratio 0.1×
FY 2015: 0.2×FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×
FY 2015 5y median 0.1× FY 2024
Debt / Equity 0.0×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×
FY 2015 5y median 0.0× FY 2024
Net Debt / EBITDA -3.1×
FY 2015: -61.2×FY 2016: -65.5×FY 2017: -11.9×FY 2018: -12.5×FY 2019: -9.7×FY 2020: -27.5×FY 2021: -14.1×FY 2022: -14.5×FY 2023: -3.4×FY 2024: -3.1×
FY 2015 5y median -14.1× FY 2024
Interest Coverage 2.2×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 9.6×FY 2018: 7.9×FY 2019: 5.5×FY 2020: 11.4×FY 2021: 14.1×FY 2022: 4.7×FY 2023: 3.8×FY 2024: 2.2×
FY 2015 5y median 4.7× FY 2024

Dividends

Dividend Yield 5.8%
FY 2015: 3.2%FY 2016: 3.0%FY 2017: 2.7%FY 2018: 3.3%FY 2019: 2.8%FY 2020: 3.6%FY 2021: 3.1%FY 2022: 7.1%FY 2023: 6.0%FY 2024: 5.8%
FY 2015 5y median 5.8% FY 2024
Payout Ratio 37.8%
FY 2015: 31.9%FY 2016: 33.0%FY 2017: 30.2%FY 2018: 28.0%FY 2019: 25.2%FY 2020: 29.1%FY 2021: 27.9%FY 2022: 62.2%FY 2023: 30.3%FY 2024: 37.8%
FY 2015 5y median 30.3% FY 2024

Annual · latest fiscal year ends 2024-12-31