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Emclaire Financial Corp
(NASDAQ: EMCF)
AdChoices
24.55
-1.44
-5.54%
After Hours :
-
-
-

Open

24.55

Previous Close

25.99

Volume (Avg)

326 (1.18k)

Day's Range

24.55-24.55

52Wk Range

20.03-27.90

Market Cap.

43.48M

Dividend Rate (Yield )

0.88 (3.50%)

Beta

0.00

Shares Outstanding

1.77M

P/E Ratio (EPS)

12.42 (1.98)

AdChoices
Fundamentals
  • Key statistics
  • Growth
  • Profitability
  • Financial health
  • Price ratios
  • Trading statistics
  • Management effectiveness
Industry Banks – Regional – US
Highlights
Analyst Recommendation: Not Available
    • Revenue

    • 19.78M

    • Net Income

    • 3.81M

    • Market Cap.

    • 43.48M

    • Enterprise Value

    • -

    • Net Profit Margin %

    • 17.15

    • PEG (Price/Earnings Growth) Ratio

    • -

    • Beta

    • 0.00

    • Forward P/E

    • -

    • Price/Sales

    • 2.13

    • Price/Book Value

    • 1.02

    • Price/Cash flow

    • 8.37

      • EBITDA

      • 5.67M

      • Return on Capital %

      • 0.63

      • Return on Equity %

      • 8.56

      • Return on Assets %

      • 0.63

      • Book Value/Share

      • 23.97

      • Shares Outstanding

      • 1.77M

      • Last Split Factor (Date)

      • -

      • Last Dividend (Ex-Date)

      • 0.22 (8/28/2014)

      • Dividend Declaration Date

      • 8/20/2014

      Analyst Recommendation
      -
      Not Available
        • 1 Year Price Target

        • -

        • Credit Rating

        • -

        • Analysts

        • 0

        • EPS Estimate

        • -

        • Cashflow Estimate

        • -

        Morningstar Consensus estimate data
        • Growth Rate (%)

        • Company

        • Industry

          • Sales (Revenue)

            Q/Q (last year)

          • 1.10

          • -0.66

          • Net Income

            YTD/YTD (last year)

          • 4.20

          • 7.93

          • Net Income

            Q/Q (last year)

          • -6.50

          • -2.61

          • Sales (Revenue)

            5-Year Annual Average

          • 8.08

          • -11.83

          • Net Income

            5-Year Annual Average

          • 20.10

          • 6.49

          • Dividends

            5-Year Annual Average

          • -9.25

          • 33.22

          • Profit Margins (%)

          • Company

          • Industry

            • Gross Margin

            • -

            • -

            • Pre-Tax Margin

            • 22.66

            • 36.31

            • Net Profit Margin

            • 17.15

            • 25.32

            • Average Gross Margin

              5-Year Annual Average

            • -

            • -

            • Average Pre-Tax Margin

              5-Year Annual Average

            • 20.30

            • 25.85

            • Average Net Profit Margin

              5-Year Annual Average

            • 14.20

            • 127.78B

            • Financial Ratios

            • Company

            • Industry

              • Debt/Equity Ratio

              • 0.35

              • 0.74

              • Current Ratio

              • -

              • -

              • Quick Ratio

              • -

              • -

              • Interest Coverage

              • -

              • -

              • Leverage Ratio

              • 13.75

              • 8.88

              • Book Value/Share

              • 23.97

              • 19.98

              • Price Ratios

              • Company

              • Industry

                • Current P/E Ratio

                • 12.42

                • 15.22

                • P/E Ratio 5-Year High

                • 16.10

                • 1,590.26

                • P/E Ratio 5-Year Low

                • 6.13

                • 247.77

                • Price/Sales Ratio

                • 2.13

                • 3.20

                • Price/Book Value

                • 1.02

                • 1.24

                • Price/Cash Flow Ratio

                • 8.37

                • 7.95

                • Key Metrics

                • Company

                  • Shares Short

                    as of -

                  • -

                  • Short Ratio

                    as of -

                  • -

                  • Short % of Float

                    as of -

                  • -

                  • Shares Short

                    prior month

                  • -

                  • Trailing Annual Dividend Yield

                  • -

                  • 5 Year Average Dividend Yield

                  • -

                  • Key Metrics

                  • Company

                    • Payout Ratio

                    • 42.51

                    • Dividend Date

                    • 8/20/2014

                    • Ex-Dividend Date

                    • 8/28/2014

                    • Last Split Factor

                      new per old

                    • -

                    • Last Split Date

                    • -

                    • Key Metrics

                    • Company

                    • Industry

                      • Return on Equity %

                        (5-Year Average)

                      • 8.56

                        (7.60)

                      • 11.32

                        (9.64)

                      • Return on Assets %

                        (5-Year Average)

                      • 0.63

                        (0.60)

                      • 1.26

                        (0.99)

                      • Return on Capital %

                        (5-Year Average)

                      • 9.68

                        (11.50)

                      • 5.43

                        (3.93)

                      • Income/Employee

                      • 32.16k

                      • 57.85k

                      • Inventory Turnover

                      • -

                      • -

                      • Asset Turnover

                      • 0.04

                      • 0.05

                      Current Historical
                      Financials
                      • Income Statement
                      • Balance Sheet
                      • Cash Flow
                      Operating Income
                      4.72M
                      Operating Margin
                      23.87
                      Total Equity
                      -
                      Retained Earnings
                      -
                      Free Cashflow
                      -
                      Price/Cashflow
                      8.37
                      Ownership

                      Institutional Ownership

                      1.19%

                      Top 10 Institutions

                      1.19%

                      Mutual Fund Ownership

                      -

                      Float

                      83.89%

                      5% / Insider Ownership

                      15.02%

                      Corporate insiders or major stockholders reporting trading activity in the stock.

                      Top Mutual Fund Owners

                      Top Institutional Owners

                      Mutual Fund Name

                      Institution Name

                      • Mutual Fund Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Institution Name

                      • Shares Held

                      • % Change

                      • % Outstanding

                      • Minerva Advisors LLC

                      •  

                        15,359

                      • 0.00%

                      • 0.85

                      • Creative Planning, Inc.

                      •  

                        3,278

                      • 0.00%

                      • 0.18

                      • Tower Research Capital LLC

                      •  

                        533

                      • +219.16%

                      • 0.03

                      • Morgan Stanley & Co Inc

                      •  

                        3

                      • 0.00%

                      • 0.00

                      • Wells Fargo Advisors, LLC

                      •  

                        2

                      • 0.00%

                      • 0.00

                      Company Profile

                      Sector

                      Financial Services

                      Industry

                      Banks – Regional – US

                      Type

                      Cyclical

                      Style

                      Small Value

                      Emclaire Financial Corp organized in 1900 is a Pennsylvania Corporation and financial holding company that provides retail and commercial financial products and services to customers in western Pennsylvania through its wholly owned s...moreubsidiary bank, the Farmers National Bank of Emlenton (the Bank). The banks segments are as follows: Residential mortgages loans are loans to consumers utilized for the purchase, refinance or construction of a residence.Home equity loans and lines of credit are credit facilities extended to homeowners who wish to utilize the equity in their property in order to borrow funds for almost any consumer purpose. The Bank competes for loans, deposits and customers with other commercial banks, savings and loan associations, securities and brokerage companies, mortgage companies,...more insurance companies, finance companies, money market funds, credit unions and other nonbank financial service providers. The Bank also provides real estate settlement services to Bank and other customers through its subsidiary, Emclaire Settlement Services, LLC. The Bank was organized as a national banking association and is a financial intermediary whose principal business consists of attracting deposits from the general public and investing such funds in real estate loans secured by liens on residential and commercial property, consumer loans, commercial business loans, marketable securities and interest-earning deposits. The Bank operates through a network of fourteen retail branch offices in Venango, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson and Mercer counties, Pennsylvania. The Banks lending activities include One-to-Four Family Mortgage Loans, Home Equity Loans, Commercial Business and Commercial Real Estate Loans, Consumer Loans, and Loans to One Borrower. The Bank is subject to examination and comprehensive regulation by the Office of the Comptroller of the Currency (OCC), which is the Bank’s chartering authority, and the Federal Deposit Insurance Corporation (FDIC), which insures customer deposits held by the Bank to the full extent provided by law.lessless

                      Key People

                      William C. Marsh

                      CEO/CEO, Subsidiary/Chairman of the Board/Chairman of the Board, Subsidiary/Director/President/President, Subsidiary

                      David L. Cox

                      Director/Vice Chairman of the Board/Vice Chairman, Subsidiary

                      Mr. Matthew J. Lucco

                      CFO/CFO, Subsidiary/Senior VP, Subsidiary/Treasurer

                      Amanda L. Engles

                      Chief Accounting Officer/Controller, Subsidiary/Secretary/Vice President, Subsidiary

                      John B. Mason

                      Director

                      • Emclaire Financial Corp

                      • 612 Main Street

                      • Emlenton, PA 16373

                      • USA.Map

                      • Phone: +1 724 867-2311

                      • Fax: +1 724 867-1614

                      • farmersnb.com

                      Incorporated

                      1900

                      Employees

                      116

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