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Eastern Michigan Financial Corporation · OTC
Price: $66.45 · Annual div: $2.10/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in EFIN → $4.34M in 10 years · $55,061.71/month
Eastern Michigan Financial Corporation operates as the parent company for Eastern Michigan Bank, which delivers a comprehensive suite of retail and commercial banking solutions across Michigan. The institution's product offerings include a variety of deposit accounts, such as both interest-bearing and non-interest-bearing checking and savings options, individual retirement accounts (IRAs), time deposits, and certificates of deposit (CDs). Beyond deposit services, the corporation extends a broad array of lending solutions. These encompass home equity lines of credit (HELOCs), home equity term loans, mortgage financing, and personal loans, both secured (for vehicles like automobiles, trucks, RVs, motorcycles, snowmobiles, jet skis, boats, and ATVs) and unsecured. Student loans are also provided. For business clients, the bank offers equipment financing and loans, commercial vehicle loans, working capital lines of credit, commercial real estate loans, construction and land development loans, multi-family dwelling loans, and Small Business Administration (SBA) loans. Agricultural customers can access specialized financing for farm operations, farm construction, livestock, FSA guaranteed loans, and long-term fixed-rate options. Complementing its core banking functions, Eastern Michigan Bank provides an extensive range of additional services. These include cash management solutions, convenient online and mobile banking platforms, bill payment, debit and credit cards, gift cards, and telephone banking with voice response. Further services cover electronic payments, merchant services, remote deposit capture, lockbox facilities, night deposit services, notary services, and safe deposit boxes. The institution maintains a physical presence through nine branches located throughout Sanilac, Huron, and St. Clair counties within Michigan. Established in 1895, its corporate headquarters are situated in Croswell, Michigan.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold EFIN.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 3.16% | 0.36% | $316 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 2.69% | -0.11% | $269 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 2.53% | -0.27% | $253 / yr |
| 🇬🇧 UK ISA | 0% | 3.16% | 0.36% | $316 / yr |
| 🇬🇧 UK Taxable | 8.75% | 2.88% | 0.08% | $288 / yr |
| 🇨🇦 TFSA | 0% | 3.16% | 0.36% | $316 / yr |
| 🇨🇦 CA Taxable | 25% | 2.37% | -0.43% | $237 / yr |
| 🇦🇺 Super (pension) | 15% | 2.69% | -0.11% | $269 / yr |
| 🇦🇺 AU Taxable | 30% | 2.21% | -0.59% | $221 / yr |
| 🇩🇪 DE Taxable | 26.375% | 2.33% | -0.47% | $233 / yr |
| 🇫🇷 FR Taxable | 30% | 2.21% | -0.59% | $221 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.10/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
EFIN pays quarterly — 4 times per year. Next ex-div: TBD.
How EFIN compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for EFIN sourced from FMP /financial-growth endpoint — real data, not estimates.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the EFIN dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Eastern Michigan Financial Corporation (EFIN) is currently trading at $66.45, trading near its 52-week high. The current dividend yield is 3.16% based on an annual payout of $2.10 per share.
Eastern Michigan Financial Corporation (EFIN) is a financial services stock currently trading at $66.45 with a dividend yield of 3.16%. The company pays an annual dividend of $2.10 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, EFIN has grown its dividend at a compound annual rate of 100.0%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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