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Emclaire Financial Corp (EMCF)
Key financial summary
Financials in USD| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 20 | 23 | 23 | 24 | 31 | 32 |
| Operating profit | $m | 18 | 17 | |||||
| Net profit | $m | 4 | 4 | 4 | 8 | 7 | 10 | 10 |
| EPS reported | $ | 3.74 | 3.77 | |||||
| Operating cashflow per share | $ | 1.26 | 1.26 | |||||
| Capex per share | $ | 0.00 | 0.00 | |||||
| FCF per share | $ | 1.26 | 1.26 | |||||
| Free cash flow | $m | 3 | 1 | |||||
| Net debt | $m | -195 | -125 | |||||
| Book value equity | $m | 97 | 71 | |||||
| Book value per share | $ | 35.61 | 25.64 | |||||
| Number of shares | m | 2.72 | 2.77 | |||||
| DPS (TTM paid) | $ | 1.20 | 1.24 |
Financial summary
Financials in USD| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 7.73 | - | |||||
| P/B LTM | x | 0.81 | 1.23 | |||||
| P/S LTM | x | 2.54 | 2.71 | |||||
| P/FCF LTM | x | 23.01 | 88.71 | |||||
| EV/EBITDA LTM | x | 3.65 | -2.07 | |||||
| EV/Sales LTM | x | 1.93 | -1.17 | |||||
| Earnings Yield LTM | % | 12.94% | 11.82% | |||||
| FCF Yield | % | 4.35% | 1.13% | |||||
| Quality | ||||||||
| ROE | % | 10.49% | 10.80% | |||||
| ROIC | % | 1.45% | 1.45% | |||||
| Operating margin | % | 48.57% | 48.57% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 9.49% | 9.49% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +50.81% | +4.14% | |||||
| Sales Growth YoY | % | +27.34% | +10.82% | |||||
| Net Income Growth YoY | % | +50.73% | +4.54% | |||||
| FCF Growth | % | -59.17% | -88.93% | |||||
| Operating Profit Growth | % | +7.78% | -6.00% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 4.40% | 3.92% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 34.04% | 34.54% | |||||
| FCF/Debt | x | - | 0.05 | |||||
| Net Debt/EBITDA | x | -0.48 | -0.48 | |||||
| EBIT/Net interest | x | 3.42 | 3.42 | |||||
| Net debt/market cap | % | -248.25% | -143.32% | |||||
| Net debt/Equity | x | -2.01 | -1.77 | |||||
| Gross debt/equity | x | 0.00 | 0.30 | |||||
Company overview
Emclaire Financial Corp serves as the holding company for The Farmers National Bank of Emlenton, which offers diverse financial products and services to both individual and commercial clients across western Pennsylvania. Its deposit offerings include a variety of accounts such as checking, savings, money market, and term certificates, as well as both interest-bearing and non-interest-bearing demand deposits. The company's loan portfolio encompasses residential mortgages (for one-to-four-family homes), home equity loans, commercial financing for businesses and real estate, consumer credit, and specialized loans for individual borrowers. Operating through a network of 19 retail branch offices, Emclaire is present in several Pennsylvania counties, including Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer. The firm was founded in 1900 and maintains its headquarters in Emlenton, Pennsylvania.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Emclaire Financial Corp (EMCF)
Emclaire Financial Corp serves as the holding company for The Farmers National Bank of Emlenton, which offers diverse financial products and services to both individual and commercial clients across western Pennsylvania. Its deposit offerings include a variety of accounts such as checking, savings, money market, and term certificates, as well as both interest-bearing and non-interest-bearing demand deposits. The company's loan portfolio encompasses residential mortgages (for one-to-four-family homes), home equity loans, commercial financing for businesses and real estate, consumer credit, and specialized loans for individual borrowers. Operating through a network of 19 retail branch offices, Emclaire is present in several Pennsylvania counties, including Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer. The firm was founded in 1900 and maintains its headquarters in Emlenton, Pennsylvania.
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