Emclaire Financial Corp. (EMCF)
Stock Price Chart
Key Info
| Market Cap | 57.30M |
| Revenue (ttm) | 29.82M |
| Net Income (ttm) | 7.06M |
| Shares Out | 2.71M |
| EPS (ttm) | 2.22 |
| PE Ratio | 9.53 |
| Forward PE | n/a |
| Dividend | $1.20 |
| Dividend Yield | 5.67% |
Stock Quote
| Trading Day | Aug 10, 2020 |
| Last Price | $21.15 |
| Previous Close | $20.49 |
| Change ($) | 0.66 |
| Change (%) | 3.22% |
| Day's Open | 20.01 |
| Day's Range | 20.00 - 21.19 |
| Day's Volume | 3,585 |
| 52-Week Range | 17.25 - 34.65 |
More Stats
| Market Cap | 57.30M |
| Enterprise Value | 98.81M |
| Earnings Date (est) | n/a |
| Ex-Dividend Date | May 29, 2020 |
| Shares Outstanding | 2.71M |
| Float | 2.19M |
| EPS (basic) | 2.55 |
| EPS (diluted) | 2.22 |
| FCF / Share | 3.66 |
| Dividend | $1.20 |
| Dividend Yield | 5.67% |
| Earnings Yield | 10.50% |
| FCF Yield | 17.28% |
| Payout Ratio | 45.90% |
| Shares Short | 2,869 |
| Short Ratio | 1.04 |
| Short % of Float | 0.11% |
| Beta | 0.54 |
| PE Ratio | 9.53 |
| Forward PE | n/a |
| P/FCF Ratio | 5.79 |
| PS Ratio | 1.92 |
| PB Ratio | 0.62 |
| Revenue | 29.82M |
| Operating Income | 8.51M |
| Net Income | 7.06M |
| Free Cash Flow | 9.90M |
| Net Cash | -41.51M |
| Net Cash / Share | -15.32 |
| Gross Margin | 106.43% |
| Operating Margin | 28.54% |
| Profit Margin | 22.50% |
| FCF Margin | 33.20% |
| ROA | 0.65% |
| ROE | 7.19% |
| ROIC | 0.90% |
Analyst Summary
Analyst Consensus: n/a
Financial Performance
Financial Overview
| Year | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 31.74 | 28.50 | 26.03 | 22.67 | 21.46 | 20.65 | 19.20 | 18.53 | 18.83 | 17.68 |
| Revenue Growth | 11.35% | 9.52% | 14.8% | 5.64% | 3.91% | 7.56% | 3.65% | -1.61% | 6.48% | - |
| Gross Profit | 31.74 | 28.50 | 26.03 | 22.67 | 21.46 | 20.65 | 19.20 | 18.53 | 18.83 | 17.68 |
| Operating Income | 9.62 | 4.84 | 6.39 | 5.23 | 5.30 | 5.07 | 4.72 | 4.59 | 4.78 | 3.87 |
| Net Income | 7.95 | 4.21 | 4.28 | 3.99 | 4.15 | 4.02 | 3.81 | 3.65 | 3.83 | 3.07 |
| Shares Outstanding | 2.70 | 2.69 | 2.26 | 2.15 | 2.14 | 1.77 | 1.76 | 1.75 | 1.75 | 1.46 |
| Earnings Per Share | 2.86 | 1.72 | 1.93 | 1.85 | 2.05 | 2.20 | 1.91 | 1.80 | 1.98 | 1.85 |
| EPS Growth | 66.28% | -10.88% | 4.32% | -9.76% | -6.82% | 15.18% | 6.11% | -9.09% | 7.03% | - |
| Dividend Per Share | 1.16 | 1.12 | 1.08 | 1.04 | 0.96 | 0.88 | 0.80 | 0.82 | 0.64 | 0.56 |
| Dividend Growth | 3.57% | 3.7% | 3.85% | 8.33% | 9.09% | 10% | -2.44% | 28.13% | 14.29% | - |
| Operating Cash Flow | 10.43 | 6.61 | 8.21 | 5.66 | 3.42 | 5.53 | 6.74 | 2.32 | 6.61 | 2.59 |
| Capital Expenditures | -1.56 | -0.73 | -0.20 | -2.14 | -2.01 | -3.69 | -3.81 | -0.83 | -0.58 | -0.99 |
| Free Cash Flow | 8.87 | 5.88 | 8.02 | 3.52 | 1.41 | 1.84 | 2.93 | 1.49 | 6.02 | 1.61 |
| Cash & Equivalents | 24.68 | 17.69 | 14.37 | 17.57 | 11.55 | 11.86 | 16.66 | 20.42 | 28.19 | 19.03 |
| Total Debt | 28.55 | 45.35 | 26.00 | 44.00 | 49.25 | 21.50 | 44.15 | 20.00 | 20.00 | 30.00 |
| Net Cash / Debt | -3.87 | -27.66 | -11.63 | -26.43 | -37.70 | -9.64 | -27.49 | 0.42 | 8.19 | -10.97 |
| Assets | 915 | 899 | 750 | 692 | 601 | 582 | 526 | 509 | 492 | 482 |
| Liabilities | 829 | 819 | 691 | 638 | 548 | 534 | 481 | 457 | 441 | 443 |
| Book Value | 85.86 | 80.01 | 59.09 | 54.07 | 52.84 | 47.99 | 45.07 | 51.73 | 50.73 | 39.12 |
Company Profile
Company Details
| Full Name | Emclaire Financial Corp. |
| Country | United States |
| Employees | 162 |
| CEO | William C. Marsh |
Stock Information
| Ticker Symbol | EMCF |
| Stock Exchange | NASDAQ |
| Sector | Financial |
| Industry | Regional - Northeast Banks |
| Unique Identifier | NASDAQ: EMCF |
Description
Emclaire Financial Corp operates as the bank holding company for The Farmers National Bank of Emlenton that provides retail and commercial financial products and services to individuals and businesses in western Pennsylvania. The company's deposit products include checking, savings, and term certificate accounts; time deposits; noninterest bearing and interest bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, residential and commercial mortgages loans, home equity loans, and commercial business and commercial real estate loans; and consumer loans, such as loans for automobile purchases, home improvements not secured by real estate, capital, and other personal expenditures, as well as unsecured revolving personal lines of credit and overdraft protection. The company, through its subsidiary, Emclaire Settlement Services, LLC, also provides real estate settlement services. It operates a network of 20 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, Pennsylvania, as well as in Hancock County, West Virginia. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.