Stock EFIN EASTERN MICHIGAN FINANCIAL CORPORATION
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Financials Eastern Michigan Financial Corporation

Equities

EFIN

US2767221052

Market Closed - OTC Markets
Other stock markets
 03:05:15 2024-05-20 pm EDT 		5-day change 1st Jan Change
28.3 USD -0.81% Intraday chart for Eastern Michigan Financial Corporation -2.38% +13.20%
Apr. 17 Eastern Michigan Financial Corporation Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Mar. 13 Eastern Michigan Financial Corporation Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 26.65 36.43 33.61 44.6 32.22 31.29
Enterprise Value (EV) 1 -45.2 -35.39 -119.6 -46.53 -40.75 1.586
P/E ratio 8.66 x 9.21 x 8.11 x 9.12 x 8.94 x 5.07 x
Yield 2.68% 2.77% 3.64% 3.08% 5.07% 6%
Capitalization / Revenue 2.19 x 2.69 x 2.32 x 2.75 x 2.05 x 1.61 x
EV / Revenue -3.72 x -2.62 x -8.25 x -2.87 x -2.59 x 0.08 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.77 x 0.94 x 0.79 x 1 x 0.98 x 0.78 x
Nbr of stocks (in thousands) 1,192 1,203 1,222 1,248 1,256 1,252
Reference price 2 22.35 30.29 27.50 35.75 25.66 25.00
Announcement Date 3/15/19 3/19/20 3/17/21 3/24/22 3/10/23 3/13/24
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 12.16 13.53 14.5 16.2 15.73 19.49
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 3.784 4.865 5.15 6.001 4.57 7.78
Net income 1 3.102 4.001 4.197 4.904 3.637 6.187
Net margin 25.51% 29.57% 28.94% 30.26% 23.13% 31.74%
EPS 2 2.580 3.290 3.390 3.920 2.870 4.930
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.6000 0.8400 1.000 1.100 1.300 1.500
Announcement Date 3/15/19 3/19/20 3/17/21 3/24/22 3/10/23 3/13/24
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 71.9 71.8 153 91.1 73 29.7
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 9.24% 10.9% 10.3% 11.2% 9.42% 16.9%
ROA (Net income/ Total Assets) 0.91% 1.1% 1% 0.98% 0.66% 1.12%
Assets 1 342.3 364.5 421 501 548.8 551.7
Book Value Per Share 2 28.90 32.20 35.00 35.60 26.10 32.20
Cash Flow per Share 2 55.00 40.10 105.0 61.00 54.10 22.10
Capex 1 0.22 0.39 2.19 0.77 0.22 0.71
Capex / Sales 1.84% 2.88% 15.11% 4.76% 1.42% 3.65%
Announcement Date 3/15/19 3/19/20 3/17/21 3/24/22 3/10/23 3/13/24
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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