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About Emclaire Financial (NASDAQ:EMCF)
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. As of January 26, 2018, it operated through 17 retail branch offices in Venango, Allegheny, Butler, Clarion, Clearfield, Crawford, Elk, Jefferson, and Mercer counties in Pennsylvania, as well as in Hancock County, West Virginia. The company was founded in 1900 and is headquartered in Emlenton, Pennsylvania.
Industry, Sector and Symbol
Industry National commercial banks
Sub-IndustryN/A
SectorFinance
SymbolNASDAQ:EMCF
CUSIPN/A
Phone724-867-2311
Debt
Debt-to-Equity Ratio0.31
Current Ratio0.90
Quick Ratio0.90
Price-To-Earnings
Trailing P/E Ratio13.53
Forward P/E RatioN/A
P/E GrowthN/A
Sales & Book Value
Annual Sales$31.42 million
Price / Sales2.51
Cash Flow$3.2321 per share
Price / Cash10.73
Book Value$26.02 per share
Price / Book1.33
Profitability
EPS (Most Recent Fiscal Year)N/A
Net Income$4.27 million
Net Margins14.51%
Return on Equity9.41%
Return on Assets0.73%
Miscellaneous
Employees137
Outstanding Shares2,270,000
Emclaire Financial (NASDAQ:EMCF) Frequently Asked Questions
What is Emclaire Financial's stock symbol?
Emclaire Financial trades on the NASDAQ under the ticker symbol "EMCF."
How often does Emclaire Financial pay dividends? What is the dividend yield for Emclaire Financial?
Emclaire Financial announced a quarterly dividend on Wednesday, February 21st. Investors of record on Thursday, March 1st will be given a dividend of $0.28 per share on Friday, March 23rd. This represents a $1.12 dividend on an annualized basis and a dividend yield of 3.23%. The ex-dividend date of this dividend is Wednesday, February 28th. View Emclaire Financial's Dividend History.
How were Emclaire Financial's earnings last quarter?
Emclaire Financial (NASDAQ:EMCF) issued its quarterly earnings data on Wednesday, April, 25th. The bank reported $0.60 earnings per share (EPS) for the quarter. The bank had revenue of $6.74 million for the quarter. Emclaire Financial had a net margin of 14.51% and a return on equity of 9.41%. View Emclaire Financial's Earnings History.
When is Emclaire Financial's next earnings date?
Who are some of Emclaire Financial's key competitors?
Some companies that are related to Emclaire Financial include Ames National (ATLO), Cornerstone Bancshares (SMBK), MidSouth Bancorp (MSL), Shore Bancshares (SHBI), Monroe Bank & Trust (MBTF), Pacific Mercantile Bancorp (PMBC), Fidelity Dd Bank (FDBC), United Security Bancshares (UBFO), LCNB (LCNB), California First National Bancorp (CFNB), CBB BANCORP INC/SH (CBBI), DNB Financial (DNBF), Heartland Banccorp (HLAN), First United (FUNC) and Old Point Financial (OPOF).
Who are Emclaire Financial's key executives?
Emclaire Financial's management team includes the folowing people:
- Mr. William C. Marsh, Chairman, Pres & CEO (Age 51)
- Mr. David L. Cox, Vice Chairman and Vice Chairman of Farmers National Bank of Emlenton (Age 67)
- Mr. Matthew J. Lucco, Sr. VP, Chief Strategy & Risk Officer (Age 38)
- Ms. Jennifer A. Roxbury, Asst. Sec. and COO & SVP of the Farmers National Bank of Emlenton (Age 48)
- Ms. Amanda L. Engles, CFO & Treasurer (Age 40)
Has Emclaire Financial been receiving favorable news coverage?
News coverage about EMCF stock has been trending somewhat positive on Tuesday, Accern Sentiment reports. Accern identifies negative and positive media coverage by reviewing more than 20 million blog and news sources. Accern ranks coverage of companies on a scale of negative one to positive one, with scores nearest to one being the most favorable. Emclaire Financial earned a media sentiment score of 0.09 on Accern's scale. They also assigned news coverage about the bank an impact score of 46.42 out of 100, indicating that recent media coverage is somewhat unlikely to have an impact on the company's share price in the next several days.
How do I buy shares of Emclaire Financial?
Shares of EMCF can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is Emclaire Financial's stock price today?
One share of EMCF stock can currently be purchased for approximately $34.68.
How big of a company is Emclaire Financial?
Emclaire Financial has a market capitalization of $75.59 million and generates $31.42 million in revenue each year. Emclaire Financial employs 137 workers across the globe.
How can I contact Emclaire Financial?
Emclaire Financial's mailing address is 612 MAIN ST, EMLENTON PA, 16373. The bank can be reached via phone at 724-867-2311 or via email at [email protected]
MarketBeat Community Rating for Emclaire Financial (EMCF)
MarketBeat's community ratings are surveys of what our community members think about Emclaire Financial and other stocks. Vote "Outperform" if you believe EMCF will outperform the S&P 500 over the long term. Vote "Underperform" if you believe EMCF will underperform the S&P 500 over the long term. You may vote once every thirty days.
Emclaire Financial (NASDAQ:EMCF) Analyst Ratings History
| Date | Brokerage | Action | Rating | Price Target | Impact on Share Price | Details |
|---|
(Data available from 5/22/2016 forward)
Emclaire Financial (NASDAQ:EMCF) Earnings History and Estimates Chart
Emclaire Financial (NASDAQ EMCF) Earnings History by Quarter
| Date | Quarter | Consensus Estimate | Actual EPS | Revenue Estimate | Actual Revenue | Release Link | Conference Call | Details |
|---|
| 7/20/2018 | | | | | | | | |
| 4/25/2018 | Q1 2018 | | $0.60 | | $6.74 million | View | N/A |  |
| 1/26/2018 | Q4 2017 | | $0.61 | | $6.87 million | View | N/A | |
| 10/20/2017 | Q3 2017 | | $0.77 | | $7.81 million | View | N/A | |
| 7/21/2017 | Q2 2017 | | $0.48 | | $6.23 million | View | N/A | |
| 4/25/2017 | Q1 2017 | | $0.44 | | $6.01 million | View | N/A | |
| 1/27/2017 | Q4 2016 | | $0.55 | | $6.02 million | View | N/A | |
| 10/21/2016 | Q3 | | $0.49 | | $6.02 million | View | N/A | |
| 7/22/2016 | Q2 | | $0.43 | | $5.80 million | View | N/A | |
| 4/26/2016 | Q1 | | $0.37 | | $5.30 million | View | N/A | |
| 1/29/2016 | Q4 2015 | | $0.43 | | $5.56 million | View | N/A | |
| 11/4/2015 | Q3 2015 | | $0.70 | | $5.81 million | View | N/A | |
| 7/15/2015 | Q2 2015 | | $0.48 | | $5.39 million | View | N/A | |
| 4/21/2015 | Q1 2015 | | $0.42 | | $5.09 million | View | N/A | |
| 1/30/2015 | Q4 2014 | | $0.70 | | $5.79 million | View | N/A | |
| 10/24/2014 | Q3 | | $0.56 | | $5.11 million | View | N/A | |
| 7/23/2014 | Q2 2014 | | $0.48 | | $4.98 million | View | N/A | |
| 4/22/2014 | Q1 2014 | | $0.46 | | $5.44 million | View | N/A | |
| 1/31/2014 | Q4 | | $0.49 | | $5.00 million | View | N/A | |
| 10/23/2013 | Q313 | | $0.54 | | $5.04 million | View | N/A | |
| 7/18/2013 | Q2 2013 | | $0.46 | | $4.93 million | View | N/A | |
| 4/24/2013 | Q1 2013 | | $0.42 | | $4.81 million | View | N/A | |
| 2/1/2013 | Q4 2012 | | $0.32 | | | View | N/A | |
| 10/19/2012 | Q3 2012 | | $0.31 | | | View | N/A | |
| 7/20/2012 | Q2 2012 | | $0.65 | | | View | N/A | |
| 4/25/2012 | Q1 2012 | | $0.52 | | | View | N/A | |
| 1/31/2012 | Q4 2011 | | $0.59 | | | View | N/A | |
| 10/21/2011 | Q3 2011 | | $0.49 | | | View | N/A | |
| 7/29/2011 | Q2 2011 | | $0.43 | | | View | N/A | |
| 4/27/2011 | Q1 2011 | | $0.47 | | | View | N/A | |
| 2/2/2011 | Q4 2010 | | $0.33 | | | View | N/A | |
| 10/28/2010 | Q3 2010 | | $0.59 | | | View | N/A | |
| 7/23/2010 | Q2 2010 | | $0.52 | | | View | N/A | |
| 4/23/2010 | Q1 2010 | | $0.41 | | | View | N/A | |
| 2/1/2010 | Q4 2009 | | $0.26 | | | View | N/A | |
| 11/3/2009 | Q3 2009 | | ($0.08) | | | View | N/A | |
| 7/22/2009 | Q2 2009 | | $0.22 | | | View | N/A | |
(Earnings results data provided by Zacks Investment Research)
Emclaire Financial (NASDAQ:EMCF) Dividend Information
Emclaire Financial pays an annual dividend of $1.12 per share, with a dividend yield of 3.23%. EMCF's most recent quarterly dividend payment was Friday, March 23.
| Most Recent Dividend: | 3/23/2018 |
| Annual Dividend: | $1.12 |
| Dividend Yield: | 3.23% |
| Payout Ratio(s): | 34.65% (Based on Cash Flow)
N/A |
Emclaire Financial (NASDAQ:EMCF) Dividend History by Quarter
| Announced | Period | Amount | Yield | Ex-Dividend Date | Record Date | Payable Date |
|---|
| 2/21/2018 | Quarterly | $0.28 | | 2/28/2018 | 3/1/2018 | 3/23/2018 |
| 11/15/2017 | Quarterly | $0.27 | | 11/30/2017 | 12/1/2017 | 12/22/2017 |
| 8/17/2017 | quarterly | $0.27 | 3.76% | 8/30/2017 | 9/1/2017 | 9/22/2017 |
| 5/18/2017 | quarterly | $0.27 | 3.74% | 5/30/2017 | 6/1/2017 | 6/23/2017 |
| 2/16/2017 | quarterly | $0.27 | 3.98% | 2/27/2017 | 3/1/2017 | 3/17/2017 |
| 11/17/2016 | quarterly | $0.26 | 4.08% | 11/29/2016 | 12/1/2016 | 12/23/2016 |
| 8/18/2016 | quarterly | $0.26 | 4.18% | 8/30/2016 | 9/1/2016 | 9/23/2016 |
| 5/19/2016 | quarterly | $0.26 | 4.35% | 5/27/2016 | 6/1/2016 | 6/17/2016 |
| 2/18/2016 | quarterly | $0.26 | 4.35% | 2/26/2016 | 3/1/2016 | 3/18/2016 |
| 11/19/2015 | quarterly | $0.24 | 3.84% | 11/27/2015 | 12/1/2015 | 12/18/2015 |
| 8/20/2015 | quarterly | $0.24 | 4.01% | 8/28/2015 | 9/1/2015 | 9/18/2015 |
| 5/28/2015 | quarterly | $0.24 | 4.05% | 6/4/2015 | 6/8/2015 | 6/19/2015 |
| 2/19/2015 | quarterly | $0.24 | 3.61% | 2/26/2015 | 3/2/2015 | 3/20/2015 |
| 11/19/2014 | quarterly | $0.22 | 3.32% | 11/26/2014 | 12/1/2014 | 12/19/2014 |
| 8/20/2014 | quarterly | $0.22 | 3.45% | 8/28/2014 | 9/2/2014 | 9/19/2014 |
| 5/21/2014 | quarterly | $0.22 | 3.42% | 5/29/2014 | 6/2/2014 | 6/20/2014 |
| 2/19/2014 | quarterly | $0.22 | 3.45% | 2/27/2014 | 3/3/2014 | 3/21/2014 |
| 11/20/2013 | quarterly | $0.20 | 3.33% | 11/27/2013 | 12/2/2013 | 12/20/2013 |
(Data available from 1/1/2013 forward)
Emclaire Financial (NASDAQ EMCF) Insider Trading and Institutional Ownership History
Insider Ownership Percentage: 15.98%
Institutional Ownership Percentage: 6.56%
Emclaire Financial (NASDAQ EMCF) Insider Trading History
| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Shares Held After Transaction | Details |
|---|
| 12/27/2017 | Milissa S. Bauer | Director | Sell | 20 | $31.83 | $636.60 | | |
| 7/31/2017 | William C. Marsh | Chairman | Sell | 5,000 | $28.25 | $141,250.00 | | |
| 6/20/2017 | David L Cox | Director | Sell | 14,379 | $27.19 | $390,965.01 | 31,801 | |
| 6/19/2017 | David L Cox | Director | Sell | 12,731 | $27.25 | $346,919.75 | 31,801 | |
| 6/19/2017 | William C. Marsh | Chairman | Sell | 11,529 | $27.25 | $314,165.25 | | |
| 6/2/2017 | David L Cox | Director | Sell | 617 | $27.50 | $16,967.50 | 19,947 | |
| 6/2/2017 | William C. Marsh | Chairman | Sell | 728 | $27.58 | $20,078.24 | | |
| 5/30/2017 | William C. Marsh | Chairman | Sell | 429 | $28.00 | $12,012.00 | | |
| 5/26/2017 | William C. Marsh | Chairman | Sell | 400 | $28.00 | $11,200.00 | | |
| 5/23/2017 | Amanda L. Engles | Insider | Sell | 1,000 | $28.00 | $28,000.00 | | |
| 5/23/2017 | David L Cox | Director | Sell | 266 | $28.68 | $7,628.88 | 19,496 | |
| 5/23/2017 | William C. Marsh | Chairman | Sell | 1,216 | $28.18 | $34,266.88 | | |
| 5/18/2017 | Amanda L. Engles | Insider | Sell | 100 | $28.80 | $2,880.00 | | |
| 5/17/2017 | David L Cox | Director | Sell | 698 | $28.77 | $20,081.46 | 20,028 | |
| 11/15/2016 | William C. Marsh | Chairman | Buy | 618 | $25.40 | $15,697.20 | | |
| 11/11/2016 | William C. Marsh | Chairman | Buy | 32 | $24.90 | $796.80 | | |
| 11/4/2016 | Robert W. Freeman | Director | Buy | 535 | $25.42 | $13,599.70 | | |
| 9/8/2016 | David L Cox | Director | Buy | 1,500 | $24.40 | $36,600.00 | 18,830 | |
| 3/3/2016 | Amanda L. Engles | insider | Sell | 100 | $22.60 | $2,260.00 | 1,266 | |
| 6/10/2015 | Nicholas D Varischetti | Director | Buy | 34,043 | $23.50 | $800,010.50 | | |
(Data available from 1/1/2013 forward)
Emclaire Financial (NASDAQ EMCF) News Headlines
| Source: |
|
| Date | Headline |
|---|
 | Emclaire Financial (EMCF) Issues Earnings Results
www.americanbankingnews.com - April 26 at 12:41 PM |
 | Emclaire Financial Corp Reports 42.5% Increase in Quarterly Earnings
finance.yahoo.com - April 26 at 9:35 AM |
| Emclaire Financial Corp Announces Quarterly Dividend of $0.28 (EMCF)
www.americanbankingnews.com - February 23 at 10:38 AM |
| Emclaire Financial Corp Announces 3.7% Increase in Quarterly Dividend
finance.yahoo.com - February 22 at 9:36 AM |
| Emclaire Financial (EMCF) Releases Earnings Results
www.americanbankingnews.com - January 27 at 2:20 PM |
| Emclaire Financial Corp Reports Fourth Quarter and Annual Earnings for 2017; Announces Annual Meeting Date
finance.yahoo.com - January 26 at 4:38 PM |
| What You Must Know About Emclaire Financial Corp’s (NASDAQ:EMCF) Return on Equity
finance.yahoo.com - January 25 at 4:39 PM |
| Emclaire Financial (EMCF) Scheduled to Post Quarterly Earnings on Thursday
www.americanbankingnews.com - January 18 at 1:52 AM |
| Want To Invest In Emclaire Financial Corp (NASDAQ:EMCF)? Here’s How It Performed Lately
finance.yahoo.com - January 5 at 6:23 PM |
| Why Emclaire Financial Corp (EMCF) Delivered An Inferior ROE Compared To The Industry
finance.yahoo.com - January 5 at 8:49 AM |
| Emclaire Financial Corp. :EMCF-US: Earnings Analysis: Q3, 2017 By the Numbers : November 20, 2017
finance.yahoo.com - January 5 at 8:49 AM |
| Emclaire Financial Corp. : EMCF-US: Dividend Analysis : December 01st, 2017 (record date) : By the numbers : December 1, 2017
finance.yahoo.com - January 5 at 8:49 AM |
| Have You Considered These Bank Metrics For Emclaire Financial Corp (NASDAQ:EMCF)?
finance.yahoo.com - January 5 at 8:49 AM |
| Emclaire Financial Corp (EMCF) Declares Quarterly Dividend of $0.27
www.americanbankingnews.com - November 25 at 11:24 AM |
| Emclaire Financial Corp (EMCF) Issues Quarterly Earnings Results
www.americanbankingnews.com - October 21 at 11:42 AM |
| Emclaire Financial Corp (EMCF) Scheduled to Post Earnings on Thursday
www.americanbankingnews.com - October 12 at 2:10 AM |
| Emclaire Financial Corp Plans Quarterly Dividend of $0.27 (EMCF)
www.americanbankingnews.com - August 17 at 6:28 PM |
| Emclaire Financial Corp (EMCF) Chairman Sells $141,250.00 in Stock
www.americanbankingnews.com - August 2 at 4:28 PM |
 | Form 10-Q EMCLAIRE FINANCIAL CORP For: Mar 31
www.streetinsider.com - May 12 at 10:25 PM |
 | Emclaire Financial to acquire bank in West Virginia
www.bizjournals.com - May 5 at 10:11 PM |
 | Emclaire Financial Corp Announces 3.8% Increase in Quarterly Dividend
us.rd.yahoo.com - February 16 at 7:43 AM |
| 4:32 pm Emclaire Financial increases quarterly dividend to $0.27/share from $0.26/share
us.rd.yahoo.com - February 16 at 7:43 AM |
 | Emclaire Financial Corp Reports Fourth Quarter and Annual Earnings for 2016; Announces Annual Meeting Date
www.nasdaq.com - January 27 at 6:38 PM |
 | After A Pullback Emclaire Financial Offers Growth And An Attractive Yield
seekingalpha.com - January 19 at 6:23 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits
biz.yahoo.com - September 30 at 9:53 AM |
| Farmers National opens Aspinwall branch
www.bizjournals.com - August 30 at 12:25 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Completion of Acquisition or Disposition of Assets, Other Events, Financi
biz.yahoo.com - May 2 at 10:46 AM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Submission of Matters to a Vote of Security Holders
biz.yahoo.com - April 29 at 5:01 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Regulation FD Disclosure
biz.yahoo.com - April 27 at 8:32 AM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Other Events
biz.yahoo.com - April 18 at 10:43 AM |
| South Side bank's shareholders approve $14M purchase by Emclaire
www.bizjournals.com - April 8 at 2:52 PM |
| State OKs Emclaire's Pittsburgh deal
www.bizjournals.com - March 29 at 2:24 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 10-K, Annual Report
biz.yahoo.com - March 24 at 9:05 AM |
 | Cash Dividend On The Way From Emclaire Financial (EMCF)
www.thestreet.com - February 24 at 1:14 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers
biz.yahoo.com - January 4 at 3:28 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Entry into a Material Definitive Agreement, Other Events, Financial State
biz.yahoo.com - December 30 at 4:12 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Change in Directors or Principal Officers, Financial Statements and Exhib
biz.yahoo.com - November 20 at 1:19 PM |
| EMCLAIRE FINANCIAL CORP Files SEC form 10-Q, Quarterly Report
biz.yahoo.com - November 16 at 8:10 AM |
| EMCLAIRE FINANCIAL CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements and E
biz.yahoo.com - November 4 at 4:32 PM |
Emclaire Financial (NASDAQ:EMCF) SEC Filings
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Emclaire Financial (NASDAQ:EMCF) Income Statement, Balance Sheet and Cash Flow Statement
Emclaire Financial (NASDAQ EMCF) Stock Chart for Tuesday, May, 22, 2018
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