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Eastern Michigan Financial Corporation EFIN OTC

Other OTC • Financial Services • Banks - Regional • US • USD

SharesGrow Score

SharesGrow Intrinsic Value

Negative cash flow

Eastern Michigan Financial Corporation (EFIN) is a Banks - Regional company in the Financial Services sector, currently trading at $66.45. It has a SharesGrow Score of 73/100, indicating a above average investment profile with 4 out of 7 criteria passed.

Financials: revenue is $22M, +9.7%/yr average growth. Net income is $7M, growing at +19.3%/yr. Net profit margin is 32.4% (strong). Gross margin is 100% (+0 pp trend).

Balance sheet: total debt is $0 against $49M equity (Debt-to-Equity (D/E) ratio 0, conservative). Current ratio is 0.17 (tight liquidity). Debt-to-assets is 0%. Total assets: $521M.

SharesGrow 7-Criteria breakdown: Value 100/100 (Pass), Growth 73/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 46/100 (Partial), Future ?/100 (Fail), Income 100/100 (Pass).

EFIN SharesGrow Score Overview

75/100

SharesGrow Score

Strong investment profile

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VALUE 100/100

Valuation — P/E, PEG, Forward PEG

GROWTH 73/100

Financials — average growth

PAST 100/100

strong — trend

HEALTH 33/100

Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is

MOAT 46/100

Gross margin is + market cap

FUTURE 0/100

Analyst outlook — as buy

INCOME 100/100

Net profit margin is

Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — EFIN

EFIN trades at a trailing Price-to-Earnings (P/E) of N/A (S&P 500 average ~25). Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.

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EFIN: +9.7%/yr revenue is, +19.3%/yr Net income is average growth. > 5%/yr — strong. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.

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EFIN: 4 / 4 years profitable. strong — 100%. Score = 4 / 4 × 100. ≥ 80 = Pass.

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Balance sheet EFIN: Debt-to-Equity (D/E) ratio 0 (conservative), Current ratio is 0.17 (tight liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.

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EFIN: Gross margin is 100% (+0 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 46/100. ≥ 70 = Pass.

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No analyst coverage available for this stock.

EFIN: Net profit margin is 32.4%. strong (≥30%). Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.

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Stock Chart & Stats

Market Data

52-Week Range36.21-66.99

Volume200

Avg Volume (30D)515

Market Cap$85.54M

Beta (1Y)0.25

Dividend Yield$1.6000

Share Statistics

EPS (TTM)5.54

Shares Outstanding$1.27M

IPO Date2008-01-29

Employees94

CEOWilliam G. Oldford Jr.

Financial Highlights & Ratios

Revenue (TTM)$21.71M

Gross Profit$21.71M

Net Income$7.04M

Operating Income$8.88M

Total Cash$28.8M

Net Debt$-28.8M

Total Assets$521.02M

Price / Earnings (P/E)12

Price / Sales (P/S)3.94

Analyst Forecast

Company Info

CountryUS

ExchangeOther OTC

CurrencyUSD

ISINUS2767221052

Price Chart

EFIN

Eastern Michigan Financial Corporation ↗ · Other OTC

Financial Services • Banks - Regional

36.21 52WK RANGE 66.99

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