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Business Description
Eastern Michigan Financial Corp
NAICS : 522110
SIC : 6021
ISIN : US2767221052
Description
Eastern Michigan Financial Corp is a bank holding company. The Company through its holding provides baking products and services including personal banking, business banking and lending including diversified loans. Personal banking includes debit and credit cards, mobile banking and deposit services where Business banking includes cash management and other business-related services. The portfolio segments include commercial and industrial, agricultural, real estate related industries, other commercial loans, residential real estate, consumer and other, and home equity.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | No Debt | |||||
| Equity-to-Asset | 0.09 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 8/9 | |||||
| WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 9.8 | |||||
| 3-Year EPS without NRI Growth Rate | 12.1 | |||||
| 3-Year FCF Growth Rate | 10.2 | |||||
| 3-Year Book Growth Rate | 2.2 |
Momentum Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 83.77 | |||||
| 9-Day RSI | 68.35 | |||||
| 14-Day RSI | 63.91 | |||||
| 3-1 Month Momentum % | 18.02 | |||||
| 6-1 Month Momentum % | 34.28 | |||||
| 12-1 Month Momentum % | 49.12 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.8 | |||||
| Dividend Payout Ratio | 0.29 | |||||
| 3-Year Dividend Growth Rate | 13.3 | |||||
| Forward Dividend Yield % | 3.8 | |||||
| 5-Year Yield-on-Cost % | 7.35 | |||||
| 3-Year Average Share Buyback Ratio | -0.7 | |||||
| Shareholder Yield % | 3.77 |
Profitability Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 32.42 | |||||
| FCF Margin % | 33.16 | |||||
| ROE % | 15.81 | |||||
| ROA % | 1.29 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 7.57 | |||||
| PE Ratio without NRI | 7.57 | |||||
| Shiller PE Ratio | 9.36 | |||||
| Price-to-Owner-Earnings | 7.44 | |||||
| PEG Ratio | 6.88 | |||||
| PS Ratio | 2.46 | |||||
| PB Ratio | 1.11 | |||||
| Price-to-Tangible-Book | 1.11 | |||||
| Price-to-Free-Cash-Flow | 7.46 | |||||
| Price-to-Operating-Cash-Flow | 6.65 | |||||
| EV-to-Revenue | 1.11 | |||||
| EV-to-FCF | 3.32 | |||||
| Price-to-GF-Value | 1.05 | |||||
| Price-to-Projected-FCF | 0.54 | |||||
| Price-to-Graham-Number | 0.61 | |||||
| FCF Yield % | 13.64 | |||||
| Forward Rate of Return (Yacktman) % | 11.74 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Eastern Michigan Financial Corp Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 21.707 | ||
| EPS (TTM) ($) | 5.56 | ||
| Beta | 0.13 | ||
| 3-Year Sharpe Ratio | 0.21 | ||
| 3-Year Sortino Ratio | 0.31 | ||
| Volatility % | 15.14 | ||
| 14-Day RSI | 63.91 | ||
| 14-Day ATR ($) | 0.265029 | ||
| 20-Day SMA ($) | 41.5405 | ||
| 12-1 Month Momentum % | 49.12 | ||
| 52-Week Range ($) | 25.37 - 42.96 | ||
| Shares Outstanding (Mil) | 1.25 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 8 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Eastern Michigan Financial Corp Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Eastern Michigan Financial Corp Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| No Event Data | ||||
Eastern Michigan Financial Corp Frequently Asked Questions
What is Eastern Michigan Financial Corp(EFIN)'s stock price today?
The current price of EFIN is $42.10. The 52 week high of EFIN is $42.96 and 52 week low is $25.37.
When is next earnings date of Eastern Michigan Financial Corp(EFIN)?
The next earnings date of Eastern Michigan Financial Corp(EFIN) is .
Does Eastern Michigan Financial Corp(EFIN) pay dividends? If so, how much?
The Dividend Yield %  of Eastern Michigan Financial Corp(EFIN) is 3.8% (As of Today), Highest Dividend Payout Ratio of Eastern Michigan Financial Corp(EFIN) was 0.45. The lowest was 0.17. And the median was 0.29. The  Forward Dividend Yield % of Eastern Michigan Financial Corp(EFIN) is 3.8%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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