Eastern Michigan Financial Corporation
OTC:EFIN
24.73 (USD) • At close November 14, 2023
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | 2016 Q4 | 2016 Q3 | 2016 Q2 | 2016 Q1 | 2015 Q4 | 2015 Q3 | 2015 Q2 | 2015 Q1 | 2014 Q4 | 2014 Q3 | 2014 Q2 | 2014 Q1 | 2013 Q4 | 2007 Q3 | 2007 Q2 | 2007 Q1 | 2006 Q4 | 2006 Q3 | 2006 Q2 | 2006 Q1 | 2005 Q4 | 2005 Q3 | 2005 Q2 | 2005 Q1 | 2004 Q4 | 2004 Q3 | 2004 Q2 | 2004 Q1 | 2003 Q4 | 2003 Q3 | 2003 Q2 | 2003 Q1 | |
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Revenue
| 6.518 | 6.255 | 6.245 | 5.701 | 5.427 | 5.276 | 5.327 | 5.261 | 3.914 | 3.59 | 3.617 | 4.21 | 4.629 | 3.82 | 3.854 | 3.948 | 3.772 | 3.572 | 3.209 | 3.33 | 3.537 | 3.47 | 3.192 | 3.345 | 3.083 | 2.892 | 2.841 | 3.252 | 2.696 | 2.64 | 2.578 | 2.85 | 2.687 | 2.683 | 2.512 | 2.739 | 2.47 | 2.488 | 2.447 | 2.53 | 2.436 | 2.407 | 2.363 | 2.41 | 5.155 | 2.573 | 2.598 | 2.649 | 2.506 | 2.496 | 2.453 | 2.504 | 2.518 | 2.484 | 2.403 | 2.469 | 2.458 | 2.323 | 2.398 | 2.449 | 2.513 | 2.501 | 2.549 |
Cost of Revenue
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Gross Profit
| 6.518 | 6.255 | 6.245 | 5.701 | 5.427 | 5.276 | 5.327 | 5.261 | 3.914 | 3.59 | 3.617 | 4.21 | 4.629 | 3.82 | 3.854 | 3.948 | 3.772 | 3.572 | 3.209 | 3.33 | 3.537 | 3.47 | 3.192 | 3.345 | 3.083 | 2.892 | 2.841 | 3.252 | 2.696 | 2.64 | 2.578 | 2.85 | 2.687 | 2.683 | 2.512 | 2.739 | 2.47 | 2.488 | 2.447 | 2.53 | 2.436 | 2.407 | 2.363 | 2.41 | 5.155 | 2.573 | 2.598 | 2.649 | 2.506 | 2.496 | 2.453 | 2.504 | 2.518 | 2.484 | 2.403 | 2.469 | 2.458 | 2.323 | 2.398 | 2.449 | 2.513 | 2.501 | 2.549 |
Gross Profit Ratio
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
Reseach & Development Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
General & Administrative Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.954 | 1.014 | 0.973 | 0.953 | 0.927 | 0.917 | 0.938 | 0.91 | 1.005 | 0.974 | 0.924 | 0.919 | 0.888 | 0.863 | 0.891 | 0.876 | 0.804 | 0.734 | 0.816 |
Selling & Marketing Expenses
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SG&A
| 2.27 | 0 | 0 | 7.385 | 0 | 0 | 0 | 7.495 | 0 | 0 | 0 | 6.85 | 0 | 0 | 0 | 6.387 | 0 | 0 | 0 | 6.006 | 0 | 0 | 0 | 5.565 | 0 | 0 | 0 | 5.204 | 0 | 0 | 0 | 5.177 | 0 | 0 | 0 | 5.071 | 0 | 0 | 0 | 4.95 | 0 | 0 | 0 | 5.036 | 1.954 | 1.014 | 0.973 | 0.953 | 0.927 | 0.917 | 0.938 | 0.91 | 1.005 | 0.974 | 0.924 | 0.919 | 0.888 | 0.863 | 0.891 | 0.876 | 0.804 | 0.734 | 0.816 |
Other Expenses
| 3.124 | -3.152 | -3.119 | -2.94 | -2.943 | -2.885 | -2.944 | 0 | 0 | 0 | -2.622 | -2.965 | -2.515 | -2.399 | -2.325 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5.741 | -2.714 | -2.867 | -2.713 | -2.629 | -2.627 | -2.591 | -3.074 | -2.683 | -2.693 | -2.521 | -2.757 | -2.459 | -2.314 | -2.388 | -2.633 | -2.387 | -3.499 | -2.267 |
Operating Expenses
| 5.394 | 3.152 | 3.119 | 2.94 | 2.943 | 2.885 | 2.944 | 3.094 | 2.758 | 2.683 | 2.622 | 2.965 | 2.515 | 2.399 | 2.325 | 2.546 | 2.408 | 2.124 | 2.273 | 2.305 | 2.055 | 2.202 | 2.102 | 2.337 | 2.001 | 2.008 | 2.031 | 1.961 | 1.847 | 1.884 | 1.945 | 1.945 | 1.949 | 2.062 | 1.9 | 1.917 | 1.851 | 1.802 | 1.878 | 1.835 | 1.727 | 1.818 | 1.911 | 1.843 | -3.787 | -1.7 | -1.894 | -1.76 | -1.702 | -1.71 | -1.653 | -2.164 | -1.678 | -1.719 | -1.597 | -1.838 | -1.571 | -1.451 | -1.497 | -1.757 | -1.583 | -2.765 | -1.451 |
Operating Income
| 3.394 | 1.774 | 1.927 | 2.221 | 1.839 | 1.877 | 1.843 | 1.8 | 1.156 | 0.745 | 0.869 | 1.178 | 1.869 | 1.383 | 1.571 | 1.402 | 1.364 | 1.448 | 0.936 | 1.025 | 1.482 | 1.268 | 1.09 | 1.008 | 1.082 | 0.884 | 0.81 | 1.291 | 0.849 | 0.756 | 0.633 | 0.905 | 0.738 | 0.621 | 0.612 | 0.822 | 0.619 | 0.686 | 0.569 | 0.695 | 0.709 | 0.589 | 0.452 | 0.567 | 1.368 | 0.873 | 0.704 | 0.889 | 0.804 | 0.786 | 0.8 | 0.34 | 0.84 | 0.765 | 0.806 | 0.631 | 0.887 | 0.872 | 0.901 | 0.692 | 0.93 | -0.264 | 1.098 |
Operating Income Ratio
| 0.521 | 0.284 | 0.309 | 0.39 | 0.339 | 0.356 | 0.346 | 0.342 | 0.295 | 0.208 | 0.24 | 0.28 | 0.404 | 0.362 | 0.408 | 0.355 | 0.362 | 0.405 | 0.292 | 0.308 | 0.419 | 0.365 | 0.341 | 0.301 | 0.351 | 0.306 | 0.285 | 0.397 | 0.315 | 0.286 | 0.246 | 0.318 | 0.275 | 0.231 | 0.244 | 0.3 | 0.251 | 0.276 | 0.233 | 0.275 | 0.291 | 0.245 | 0.191 | 0.235 | 0.265 | 0.339 | 0.271 | 0.336 | 0.321 | 0.315 | 0.326 | 0.136 | 0.334 | 0.308 | 0.335 | 0.256 | 0.361 | 0.375 | 0.376 | 0.283 | 0.37 | -0.106 | 0.431 |
Total Other Income Expenses Net
| -1.125 | 0.607 | 0.736 | 0 | 0 | 0 | 1.303 | 4.034 | -2.433 | -0.162 | 0 | 0 | -0.245 | -0.038 | 0.042 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.232 | -1.949 | -2.062 | 0 | 3.154 | 0 | 0 | 0 | 3.115 | -1.727 | 0 | 0 | 3.193 | 0 | 0 | -3.788 | 0 | 0 | 0 | 0 | 0 | -3.356 | -0.001 | 0 | 0 | -3.142 | 0 | 0 | 0 | 0 | -5.53 | -2.902 |
Income Before Tax
| 2.269 | 1.774 | 1.927 | 2.221 | 1.839 | 1.877 | 1.843 | 1.8 | 1.156 | 0.745 | 0.869 | 1.178 | 1.869 | 1.383 | 1.571 | 1.402 | 1.364 | 1.448 | 0.936 | 1.025 | 1.482 | 1.268 | 1.09 | 1.008 | 1.082 | 0.884 | 0.81 | 1.291 | 0.849 | 0.756 | 0.633 | 0.905 | 0.738 | 0.621 | 0.612 | 0.822 | 0.619 | 0.686 | 0.569 | 0.695 | 0.709 | 0.589 | 0.452 | 0.567 | 1.368 | 0.873 | 0.704 | 0.889 | 0.804 | 0.786 | 0.8 | 0.34 | 0.84 | 0.765 | 0.806 | 0.631 | 0.887 | 0.872 | 0.901 | 0.692 | 0.93 | -0.264 | 1.098 |
Income Before Tax Ratio
| 0.348 | 0.284 | 0.309 | 0.39 | 0.339 | 0.356 | 0.346 | 0.342 | 0.295 | 0.208 | 0.24 | 0.28 | 0.404 | 0.362 | 0.408 | 0.355 | 0.362 | 0.405 | 0.292 | 0.308 | 0.419 | 0.365 | 0.341 | 0.301 | 0.351 | 0.306 | 0.285 | 0.397 | 0.315 | 0.286 | 0.246 | 0.318 | 0.275 | 0.231 | 0.244 | 0.3 | 0.251 | 0.276 | 0.233 | 0.275 | 0.291 | 0.245 | 0.191 | 0.235 | 0.265 | 0.339 | 0.271 | 0.336 | 0.321 | 0.315 | 0.326 | 0.136 | 0.334 | 0.308 | 0.335 | 0.256 | 0.361 | 0.375 | 0.376 | 0.283 | 0.37 | -0.106 | 0.431 |
Income Tax Expense
| 0.466 | 0.381 | 0.395 | 0.452 | 0.364 | 0.399 | 0.378 | 0.386 | 0.225 | 0.158 | 0.164 | 0.197 | 0.334 | 0.274 | 0.292 | 0.259 | 0.252 | 0.267 | 0.175 | 0.194 | 0.272 | 0.244 | 0.154 | 0.026 | 0.256 | 0.212 | 0.188 | 0.488 | 0.229 | 0.203 | 0.172 | 0.229 | 0.205 | 0.184 | 0.158 | 0.245 | 0.164 | 0.178 | 0.137 | 0.21 | 0.16 | 0.145 | 0.103 | 0.127 | 0.407 | 0.264 | 0.206 | 0.234 | 0.245 | 0.233 | 0.247 | 0.103 | 0.259 | 0.24 | 0.25 | 0.204 | 0.271 | 0.259 | 0.273 | 0.179 | 0.27 | -0.11 | 0.335 |
Net Income
| 1.803 | 1.393 | 1.532 | 1.769 | 1.475 | 1.478 | 1.465 | 1.414 | 0.931 | 0.587 | 0.705 | 0.981 | 1.535 | 1.109 | 1.279 | 1.143 | 1.112 | 1.181 | 0.761 | 0.831 | 1.21 | 1.024 | 0.936 | 0.982 | 0.826 | 0.672 | 0.622 | 0.803 | 0.62 | 0.553 | 0.461 | 0.676 | 0.533 | 0.437 | 0.454 | 0.577 | 0.455 | 0.508 | 0.432 | 0.485 | 0.549 | 0.444 | 0.349 | 0.44 | 0.961 | 0.609 | 0.498 | 0.655 | 0.559 | 0.553 | 0.553 | 0.237 | 0.581 | 0.525 | 0.556 | 0.427 | 0.616 | 0.613 | 0.628 | 0.513 | 0.66 | -0.154 | 0.763 |
Net Income Ratio
| 0.277 | 0.223 | 0.245 | 0.31 | 0.272 | 0.28 | 0.275 | 0.269 | 0.238 | 0.164 | 0.195 | 0.233 | 0.332 | 0.29 | 0.332 | 0.29 | 0.295 | 0.331 | 0.237 | 0.25 | 0.342 | 0.295 | 0.293 | 0.294 | 0.268 | 0.232 | 0.219 | 0.247 | 0.23 | 0.209 | 0.179 | 0.237 | 0.198 | 0.163 | 0.181 | 0.211 | 0.184 | 0.204 | 0.177 | 0.192 | 0.225 | 0.184 | 0.148 | 0.183 | 0.186 | 0.237 | 0.192 | 0.247 | 0.223 | 0.222 | 0.225 | 0.095 | 0.231 | 0.211 | 0.231 | 0.173 | 0.251 | 0.264 | 0.262 | 0.209 | 0.263 | -0.062 | 0.299 |
EPS
| 1.42 | 1.03 | 1.22 | 1.41 | 1.18 | 1.18 | 1.17 | 1.13 | 0.74 | 0.47 | 0.56 | 0.78 | 1.23 | 0.9 | 1.04 | 0.88 | 0.91 | 0.97 | 0.63 | 0.66 | 1.01 | 0.85 | 0.78 | 0.79 | 0.69 | 0.56 | 0.53 | 1.12 | 0.53 | 0.47 | 0.4 | 0.57 | 0.46 | 0.38 | 0.4 | 0.49 | 0.4 | 0.44 | 0.38 | 0.42 | 0.48 | 0.39 | 0.31 | 0.38 | 0.83 | 0.53 | 0.43 | 0.57 | 0.49 | 0.48 | 0.48 | 0 | 0.5 | 0.46 | 0.48 | 0 | 0.53 | 0.53 | 0.55 | 0 | 0.53 | -0.12 | 0.62 |
EPS Diluted
| 1.42 | 1.1 | 1.22 | 1.41 | 3.53 | 1.18 | 1.17 | 1.13 | 0.74 | 0.47 | 0.56 | 0.76 | 1.23 | 0.9 | 1.04 | 0.88 | 0.91 | 0.97 | 0.63 | 0.66 | 1.01 | 0.85 | 0.78 | 0.79 | 0.69 | 0.56 | 0.53 | 1.12 | 0.53 | 0.47 | 0.4 | 0.57 | 0.46 | 0.38 | 0.4 | 0.49 | 0.4 | 0.44 | 0.38 | 0.42 | 0.48 | 0.39 | 0.31 | 0.38 | 0.83 | 0.53 | 0.43 | 0.57 | 0.49 | 0.48 | 0.48 | 0 | 0.5 | 0.46 | 0.48 | 0 | 0.53 | 0.53 | 0.55 | 0 | 0.53 | -0.12 | 0.62 |
EBITDA
| 2.269 | -2.592 | -2.664 | -2.221 | 1.839 | 1.877 | -3.707 | 0 | 0 | -2.363 | -2.5 | 0 | -2.155 | -2.258 | -2.274 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5.559 | 4.636 | 4.745 | 2.512 | -5.486 | 2.47 | 2.488 | 2.447 | -5.535 | 4.163 | 2.407 | 2.363 | -5.819 | 1.368 | 0.873 | 0.704 | 0.889 | 0.804 | 0.786 | 0.8 | 0.34 | 0.84 | 0.765 | 0.806 | 0.631 | 0.887 | 0.872 | 0.901 | 0.692 | 0.93 | -0.264 | 1.098 |
EBITDA Ratio
| 0.348 | -0.284 | -0.309 | -0.39 | -0.339 | -0.356 | -0.346 | -0.342 | 0 | -0.208 | -0.24 | -0.28 | -0.404 | -0.362 | -0.408 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.265 | 0.339 | 0.271 | 0.336 | 0.321 | 0.315 | 0.326 | 0.136 | 0.334 | 0.308 | 0.335 | 0.256 | 0.361 | 0.375 | 0.376 | 0.283 | 0.37 | -0.106 | 0.431 |