Eastern Michigan Financial Corporation

EFIN

EFINEastern Michigan Financial Corporation US flag

Other OTC

66.45

USD

-0.08

- -

85.54MMarket Cap

Income Statement (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Sales/Revenue/Turnover	9	10	10	10	10	11	13	14	15	16	16	20	22
+ Sales & Services Revenue	9	10	10	10	10	11	13	14	15	16	16	20	22
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	-4	-2	-3	-3	-3	-8	-8	-9	-9	-10	-11	-12	-13
- Operating Expenses	- -	- -	- -	- -	- -	8	8	9	9	10	11	12	13
+ Selling, General & Admin	2	3	4	4	4	- -	- -	- -	- -	- -	- -	- -	- -
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-2	-3	-4	-4	-4	8	8	9	9	10	11	12	13
Operating Income (Loss)	4	2	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	- -	- -	- -	- -	- -	-4	-4	-5	-5	-6	-5	-8	-9
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	- -	-4	-4	-5	-5	-6	-5	-8	-9
Pretax Income	4	2	3	3	3	4	4	5	5	6	5	8	9
- Income Tax Expense (Benefit)	1	1	1	1	1	1	1	1	1	1	1	2	2
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	2	2	2	2	2	2	3	4	4	5	4	6	7
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	2	2	2	2	2	2	3	4	4	5	4	6	7
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	2	2	2	2	2	2	3	4	4	5	4	6	7
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	2	2	2	2	2	2	3	4	4	5	4	6	7
EBIT	4	2	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	4	3	4	3	3	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	43.11	31.11	41.93	27.78	32.45	- -	- -	- -	- -	- -	- -	- -	- -
EBITA	4	2	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
Operating Margin (%)	38.39	24.53	34.11	27.78	32.45	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	26.49	17.8	23.67	19.14	22.96	21.49	24.77	29.24	28.49	30.49	23.14	31.38	32.42
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.76	0.82	0.84	- -	- -	0.71	0.73	0.84	1	1.11	1.81	1.5	2.09
Depreciation Expense	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1
Basic EPS, GAAP	2	1.55	1.98	1.64	2.01	2.36	2.61	3.33	3.44	3.98	2.9	4.93	5.52
Basic EPS from Cont Ops	2	1.55	1.98	1.64	2.01	2.36	2.61	3.33	3.44	3.98	2.9	4.93	5.52
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted EPS, GAAP	2	1.55	1.98	1.64	2.01	2.31	2.58	3.29	3.39	3.92	2.87	4.93	5.52
Diluted EPS from Cont Ops	2	1.55	1.98	1.64	2.01	2.31	2.58	3.29	3.39	3.92	2.87	4.93	5.52

Balance Sheet (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	10	8	6	6	6	46	51	51	153	91	72	29	29
+ Cash & Cash Equivalents	10	8	6	6	6	46	51	51	153	91	72	29	29
+ ST Investments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	1	1	1	1	- -	1	1	1	1	2	2	3	2
+ Accounts Receivable, Net	1	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	1	1	1	1	2	2	3	2
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-11	-9	-7	-7	-6	-47	-53	-52	-154	-93	-75	-32	-31
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	- -	- -	- -	- -	6	5	5	7	8	7	8	6
+ Property, Plant & Equip	- -	- -	- -	- -	- -	13	13	13	15	16	15	16	14
- Accumulated Depreciation	- -	- -	- -	- -	- -	7	8	8	8	9	8	8	8
+ LT Investments & Receivables	24	34	29	32	23	94	89	103	72	229	278	273	249
+ LT Investments	24	34	29	32	23	94	89	103	72	229	278	273	249
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-24	-34	-29	-32	-23	-100	-94	-109	-79	-237	-286	-281	-255
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-24	-34	-29	-33	-23	-100	-94	-109	-79	-237	-286	-281	-255
Total Assets	219	232	228	232	233	329	355	374	468	534	564	540	521
+ Payables & Accruals	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	1	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-1	-1	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	199	212	208	210	211	297	321	335	425	489	531	499	472
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	8	7	7	8	8	8	8	8	8	9	9	9	9
+ Common Stock	6	6	6	2	2	6	6	6	6	6	6	6	6
+ Additional Paid in Capital	2	2	2	6	6	2	2	2	2	2	3	3	3
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	12	12	13	13	14	25	27	30	33	37	38	41	46
+ Other Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	20	19	20	21	22	33	34	39	43	45	33	40	49
+ Minority/Non Controlling Interest	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	20	19	20	21	23	33	34	39	43	45	33	40	49
Total Liabilities & Equity	219	232	228	232	233	329	355	374	468	534	564	540	521
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-10	-8	-6	-6	-5	-46	-51	-51	-153	-91	-72	-29	-29
Net Debt to Equity	-48.93	-39.12	-29.93	-28.67	-23.58	-140.22	-149.1	-130.82	-356.27	-203.49	-221.55	-71.77	-59.26
Tangible Common Equity Ratio	9.2	8.33	8.95	9.05	9.59	9.91	9.71	10.36	9.17	8.35	5.8	7.49	9.33
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024

+ Net Income	2	2	2	- -	- -	2	3	4	4	5	4	6	7
+ Depreciation & Amortization	- -	1	1	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	- -	1	- -	- -	- -	1	1	1	2	2	3	1	- -
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	2	- -	- -	- -	1	1	1	1	2	2	1	- -
+ Chg in Non-Cash Work Cap	-1	1	- -	- -	- -	-1	- -	- -	- -	-1	- -	1	1
+ (Inc) Dec in Accts Receiv	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	-1	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	-1	1	- -	- -	- -	-1	- -	- -	- -	- -	- -	1	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	2	4	3	- -	- -	3	5	5	5	6	6	8	8
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	- -	-1	-1
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	- -	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-1	- -	- -
+ Net Change in LT Investment	9	-11	5	- -	- -	12	4	-13	31	-161	-70	11	28
+ Dec in LT Investment	14	9	10	- -	- -	23	42	70	52	43	19	62	61
+ Inc in LT Investment	-5	-20	-6	- -	- -	-12	-38	-83	-21	-204	-89	-51	-33
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-31	-3	-6	- -	- -	-14	8	-22	-43	41	18	-26	-6
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-22	-14	-2	- -	- -	-3	12	-35	-14	-121	-51	-16	23
+ Dividends Paid	-1	-1	-1	- -	- -	-1	-1	-1	-1	-1	-2	-2	-3
+ Net Cash From Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash From Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Repayments of Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	22	12	-5	- -	- -	3	24	14	90	64	39	-30	-27
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	21	11	-6	- -	- -	2	23	13	89	63	37	-32	-30
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	2	1	-4	- -	- -	3	40	-17	80	-52	-9	-40	1
EBITDA	4	3	4	3	3	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	43.11	31.11	41.93	27.78	32.45	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	2	4	3	- -	- -	3	4	5	3	5	6	8	7
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	2	4	3	- -	- -	3	4	5	3	5	6	8	7
Free Cash Flow to Equity	- -	4	3	- -	- -	3	4	5	3	5	6	8	9
Free Cash Flow per Basic Share	1.83	3.89	2.84	- -	- -	2.51	3.68	3.79	2.7	4.28	4.63	6.11	5.64
Price/Free Cash Flow	5.7	2.53	4.4	- -	- -	5.99	4.14	5.29	3.54	5.42	4.56	3.22	5.12
Cash Flow to Net Income	0.92	2.51	1.43	- -	- -	1.12	1.48	1.23	1.31	1.23	1.66	1.35	1.15
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -	- -	-2	-1	- -	-1	-1