SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Eastern Michigan Financial Corporation (EFIN) trades at a trailing P/E of 12.0. Trailing earnings yield is 8.37%. PEG 0.93 (Peter Lynch undervalued ≤1.0).
Criteria proven by this page:
- VALUE (100/100, Pass) — P/E is below market average (12.0); PEG ≤ 1.0 — Peter Lynch undervalued (0.93); earnings yield beats bond yields (8.37%).
- PEG Ratio 0.93 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 8.37% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
Overall SharesGrow Score: 73/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — EFIN
Valuation Multiples
P/E (TTM)12.0
Forward P/EN/A
PEG Ratio0.93
Forward PEGN/A
P/B Ratio0.00
P/S Ratio3.90
EV/EBITDA0.0
Per Share Data
EPS (TTM)$5.56
Book Value / Share$0.00
Revenue / Share$17.03
FCF / Share$0.00
Yields & Fair Value
Earnings Yield8.37%
Dividend Yield0.00%
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2015 |
$1.71 |
$10.62M |
$1.97M |
18.6% |
| 2016 |
$1.81 |
$11.23M |
$2.1M |
18.7% |
| 2017 |
$2.07 |
$12.04M |
$2.44M |
20.2% |
| 2018 |
$2.58 |
$13.01M |
$3.1M |
23.9% |
| 2019 |
$3.29 |
$14.57M |
$4M |
27.5% |
| 2020 |
$3.39 |
$15.18M |
$4.2M |
27.6% |
| 2021 |
$3.92 |
$16.51M |
$4.9M |
29.7% |
| 2022 |
$2.87 |
$16.7M |
$3.64M |
21.8% |
| 2023 |
$4.93 |
$19.49M |
$6.19M |
31.7% |
| 2024 |
$5.56 |
$21.71M |
$7.04M |
32.4% |
