EMCF

29.45

+0.13 (0.44%)

Emclaire Financial Corp (NASDAQ, USD)

Financial Services >

Banks-Regional

Market cap

80.14M

Ent value

993.35M

Price/Sales

2.40

Price/Book

0.88

Div yield

4.07%

Div growth

4.56%

Growth years

FCF payout

37.47%

Trailing P/E

11.88

Forward P/E

PEG

EPS growth

5.40%

1 year return

33.86%

3 year return

-0.78%

5 year return

4.18%

10 year return

1.16%

Last updated: 2021-07-28

STOCK INFORMATION BUSINESS INSIGHT DIVIDENDS FINANCIALS COMPANY DETAILS NEWS

STOCK INFORMATION

Stock chart

Stock price data

All-time high	38.60
1y analyst estimate	-
Beta	0.46

EPS (TTM)	2.48
Dividend per share	1.20
Ex-div date	28 May 2021
Next earnings date	16 Jul 2021

Downside potential

Downside potential data

	EMCF	S&P500
Current price drop from All-time high	-23.70%	-0.46%
Highest price drop	-58.90%	-56.47%
Date of highest drop	1 Dec 2009	9 Mar 2009
Avg drop from high	-23.57%	-11.53%
Avg time to new high	57 days	13 days
Max time to new high	1668 days	1805 days

DIVIDENDS

Dividend yield - 5y

Dividend yield data

Dividend per share	1.20
Dividend yield	4.07%
Payout frequency	Quarterly

Maximum yield	6.63%
Average yield	4.02%
Minimum yield	2.90%

Discount to avg yield	1.31%
Upside potential	1.33%
Yield as % of max yield	61.46%

Yield distribution (inverse percentile) - 5y

Yield distribution data

Dividend yield	4.07%
Current yield distribution	40.16%

Yield at 100% (Min)	2.90%
Yield at 90%	3.36%
Yield at 80%	3.59%
Yield at 50% (Median)	3.89%
Yield at 20%	4.36%
Yield at 10%	4.91%
Yield at 0% (Max)	6.63%

Dividend per share

Dividend per share data

Years of growth	10 years
CCC status	Dividend Contender
Dividend per share	1.20
Payout frequency	Quarterly
Ex-div date	28 May 2021

EPS (TTM)	2.48
EPS (1y forward)	-
EPS growth (5y)	5.40%
EPS growth (5y forward)	-

Dividend growth

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Dividend growth data

	EMCF	S&P500
DGR MR	3.45%	7.68%
DGR TTM	1.69%	-2.66%
DGR 3 years	3.57%	5.82%
DGR 5 years	4.56%	6.23%
DGR 10 years	7.97%	9.64%
DGR 15 years	1.21%	6.71%

Time since last change announced	529 days
EPS growth (5y)	5.40%
EPS growth (5y forward)	-

Payout ratio

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Payout ratio data

	EPS coverage	FCF coverage
TTM	50.92%	37.47%
Average	52.44%	47.15%
Forward	-	-

FINANCIALS

Per share

Per share data

Current share count

2.72M

EPS (TTM)	2.48
FCF per share (TTM)	3.37

Income statement

Income statement data

Revenue (TTM)	33.45M
Gross profit (TTM)	22.50M
Operating income (TTM)	3.00M
Net income (TTM)	6.75M

EPS (TTM)	2.48
EPS (1y forward)	-

Margins

Margins data

Gross margin (TTM)	67.27%
Operating margin (TTM)	8.96%
Profit margin (TTM)	20.18%

Balance Sheet

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Balance Sheet data

Cash	63.63M
Net receivables	4.22M
Total current assets	789.05M
Goodwill	19.46M
Intangible assets	1.04M
Property, plant and equipment	18.09M
Total assets	1.07B
Accounts payable	18.56M
Short/Current long term debt	32.05M
Total current liabilities	946.84M
Total liabilities	976.84M
Shareholder's equity	90.87M
Net tangible assets	66.16M

Cash flow

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Cash flow data

Operating cash flow (TTM)	9.53M
Capital expenditures (TTM)	360.00K
Free cash flow (TTM)	9.17M
Dividends paid (TTM)	3.44M

Financial returns

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Financial returns data

Return on Equity	7.38%
Return on Assets	0.65%
Return on Invested Capital	5.46%
Cash Return on Invested Capital	7.42%

COMPANY DETAILS

Marketcap

80.14M

Marketcap category

Small-cap

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; savings and time deposits; non-interest bearing and interest-bearing demand deposit accounts; and money market accounts. Its loan portfolio comprises one-to-four family mortgage loans, home equity loans, commercial business and commercial real estate loans, and consumer loans. The company operates a network of 20 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties, Pennsylvania, as well as Hancock county, West Virginia. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.

Employees

160

Website

http://www.emclairefinancial.com

Investor relations

SEC filings

EMCF SEC filings

CEO

Country

USA

City

Stock type

Common stock

CCC status

Dividend Contender

Dividend Frequency

Quarterly

EVENTS AND PRESENTATIONS

EventsPresentations

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COMPANY NEWS

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