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Emclaire Financial Corp. (EMCF)

Stock Price: $21.15 USD 0.66 (3.22%)
Updated Aug 10, 2020 4:00 PM EDT - Market closed

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%
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$n/a*
*No analysts have provided price targets for this stock.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue31.7428.5026.0322.6721.4620.6519.2018.5318.8317.68
Revenue Growth11.35%9.52%14.8%5.64%3.91%7.56%3.65%-1.61%6.48%-
Gross Profit31.7428.5026.0322.6721.4620.6519.2018.5318.8317.68
Operating Income9.624.846.395.235.305.074.724.594.783.87
Net Income7.954.214.283.994.154.023.813.653.833.07
Shares Outstanding2.702.692.262.152.141.771.761.751.751.46
Earnings Per Share2.861.721.931.852.052.201.911.801.981.85
EPS Growth66.28%-10.88%4.32%-9.76%-6.82%15.18%6.11%-9.09%7.03%-
Dividend Per Share1.161.121.081.040.960.880.800.820.640.56
Dividend Growth3.57%3.7%3.85%8.33%9.09%10%-2.44%28.13%14.29%-
Operating Cash Flow10.436.618.215.663.425.536.742.326.612.59
Capital Expenditures-1.56-0.73-0.20-2.14-2.01-3.69-3.81-0.83-0.58-0.99
Free Cash Flow8.875.888.023.521.411.842.931.496.021.61
Cash & Equivalents24.6817.6914.3717.5711.5511.8616.6620.4228.1919.03
Total Debt28.5545.3526.0044.0049.2521.5044.1520.0020.0030.00
Net Cash / Debt-3.87-27.66-11.63-26.43-37.70-9.64-27.490.428.19-10.97
Assets915899750692601582526509492482
Liabilities829819691638548534481457441443
Book Value85.8680.0159.0954.0752.8447.9945.0751.7350.7339.12
Numbers in millions USD, except per-share numbers.

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.