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Eastern Michigan Financial

(OTC) EFIN

This security has been delisted. This page is retained for historical reference.

Eastern Michigan Financial last closing stock price
MetricPriceDate
Last closeUSD 66.452025-12-30
Eastern Michigan Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.12%USD 66.532025-12-23
1 month+6.12%USD 62.622025-11-26
3 month+9.56%USD 60.652025-09-29
Year to date+94.96%USD 34.082024-12-31
1 year+94.96%USD 34.082024-12-30
3 year+208.24%USD 21.562022-12-30
5 year+216.65%USD 20.992020-12-31
Since inception+745.55%USD 7.862003-03-18

EFIN News

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EFIN Financials

Key Financial Metrics (TTM)

Gross Margin

59.72%

Operating Margin

33.97%

Net Income Margin

26.89%

Return on Equity

9.36%

Return on Capital

18.28%

Return on Assets

0.96%

Earnings Yield

N/A

Dividend Yield

1.81%

Payout Ratio

0.00%

Stock Overview

Market Cap

N/AMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

N/A

Volume

N/A

Avg. Volume

N/A

Financials (TTM)

Gross Profit

$16.96M

Operating Income

$9.04M

EBITDA

$9.04M

Operating Cash Flow

$0.00

Capital Expenditure

$0.00

Free Cash Flow

$0.00

Cash & ST Invst.

$42.34M

Total Debt

$0.00

Eastern Michigan Financial Performance Analysis

Eastern Michigan Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20212021-12-31USD 16,513,000N/A
20222022-12-31USD 16,695,0001.1%
20232023-12-31USD 21,753,00030.3%
20242024-12-31USD 25,790,00018.6%
Eastern Michigan Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-314.0%
Q12025-03-31-14.7%
Q22025-06-303.9%
Q32025-09-304.3%
Eastern Michigan Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20212021-12-31USD 3.92N/A
20222022-12-31USD 2.87-26.8%
20232023-12-31USD 4.9371.8%
20242024-12-31USD 5.5212.0%
Eastern Michigan Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-3128.2%
Q12025-03-31-37.9%
Q22025-06-3030.1%
Q32025-09-30-17.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2025YOY CHG

Revenue

$6.27M

-3.9%

Gross Profit

$0.00

-100.0%

Gross Margin

0.00%

N/A

Market Cap

N/AMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

N/A

N/A

Employees

94

N/A

Net Income

$1.54M

-14.5%

EBITDA

$1.97M

-13.3%

Quarterly Fundamentals

Name
Q3 2025YOY CHG

Total Cash

$42.34M

+58.3%

Total Debt

$0.00

N/A

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$0.00

N/A

Short Term Debt

$0.00

N/A

Return on Assets

0.96%

N/A

Return on Invested Capital

11.11%

N/A

Free Cash Flow

$0.00

N/A

Operating Cash Flow

$0.00

N/A

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