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EMCLAIRE FINANCIAL CORP (EMCF) Stock Fundamental Analysis

NASDAQ:EMCF - Nasdaq - US2908281023 - Common Stock - Currency: USD

31.6  -1.39 (-4.21%)

Fundamental Rating

3

EMCF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. Both the profitability and financial health of EMCF have multiple concerns. EMCF is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year EMCF was profitable.
In the past year EMCF had a positive cash flow from operations.
EMCF Yearly Net Income VS EBIT VS OCF VS FCFEMCF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M

1.2 Ratios

EMCF has a Return On Assets of 1.01%. This is in the lower half of the industry: EMCF underperforms 61.38% of its industry peers.
Looking at the Return On Equity, with a value of 14.66%, EMCF is in the better half of the industry, outperforming 71.43% of the companies in the same industry.
Industry RankSector Rank
ROA 1.01%
ROE 14.66%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
EMCF Yearly ROA, ROE, ROICEMCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

With a Profit Margin value of 28.67%, EMCF perfoms like the industry average, outperforming 43.92% of the companies in the same industry.
In the last couple of years the Profit Margin of EMCF has grown nicely.
EMCF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 28.67%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y25.91%
PM growth 5Y10.35%
GM growth 3YN/A
GM growth 5YN/A
EMCF Yearly Profit, Operating, Gross MarginsEMCF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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3

2. Health

2.1 Basic Checks

EMCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, EMCF has about the same amount of shares outstanding.
The debt/assets ratio for EMCF is higher compared to a year ago.
EMCF Yearly Shares OutstandingEMCF Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 500K 1M 1.5M 2M 2.5M
EMCF Yearly Total Debt VS Total AssetsEMCF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 200M 400M 600M 800M 1B

2.2 Solvency

EMCF has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.38
Altman-Z N/A
ROIC/WACCN/A
WACC10.87%
EMCF Yearly LT Debt VS Equity VS FCFEMCF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 20M 40M 60M 80M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

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3

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.74% over the past year.
The Earnings Per Share has been growing by 14.79% on average over the past years. This is quite good.
The Revenue has been growing slightly by 0.70% in the past year.
Measured over the past years, EMCF shows a quite strong growth in Revenue. The Revenue has been growing by 9.27% on average per year.
EPS 1Y (TTM)3.74%
EPS 3Y28.22%
EPS 5Y14.79%
EPS Q2Q%-11.38%
Revenue 1Y (TTM)0.7%
Revenue growth 3Y6.56%
Revenue growth 5Y9.27%
Sales Q2Q%-5.49%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EMCF Yearly Revenue VS EstimatesEMCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.40, which indicates a very decent valuation of EMCF.
72.49% of the companies in the same industry are more expensive than EMCF, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 24.83, EMCF is valued rather cheaply.
Industry RankSector Rank
PE 8.4
Fwd PE N/A
EMCF Price Earnings VS Forward Price EarningsEMCF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EMCF is valued a bit cheaper than the industry average as 72.75% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.69
EV/EBITDA N/A
EMCF Per share dataEMCF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2YN/A
EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.92%, EMCF has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.42, EMCF pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, EMCF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.92%

5.2 History

The dividend of EMCF has a limited annual growth rate of 2.33%.
EMCF has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)2.33%
Div Incr YearsN/A
Div Non Decr YearsN/A
EMCF Yearly Dividends per shareEMCF Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 0.2 0.4 0.6 0.8 1

5.3 Sustainability

EMCF pays out 34.56% of its income as dividend. This is a sustainable payout ratio.
The dividend of EMCF is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.56%
EPS Next 2YN/A
EPS Next 3YN/A
EMCF Yearly Income VS Free CF VS DividendEMCF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M
EMCF Dividend Payout.EMCF Dividend Payout, showing the Payout Ratio.EMCF Dividend Payout.PayoutRetained Earnings

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EMCLAIRE FINANCIAL CORP

NASDAQ:EMCF (12/30/2022, 8:00:01 PM)

31.6

-1.39 (-4.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-10 2022-11-10/bmo
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners6.72%
Ins Owner Change0%
Market Cap86.43M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.92%
Yearly Dividend1.2
Dividend Growth(5Y)2.33%
DP34.56%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 8.4
Fwd PE N/A
P/S 2.38
P/FCF 5.69
P/OCF 5.43
P/B 1.22
P/tB 1.7
EV/EBITDA N/A
EPS(TTM)3.76
EY11.9%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)5.55
FCFY17.57%
OCF(TTM)5.82
OCFY18.41%
SpS13.27
BVpS25.95
TBVpS18.55
PEG (NY)N/A
PEG (5Y)0.57
Profitability
Industry RankSector Rank
ROA 1.01%
ROE 14.66%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 28.67%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y25.91%
PM growth 5Y10.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 1.38
Debt/EBITDA N/A
Cap/Depr 46.39%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 145.96%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.87%
ROIC/WACCN/A
Cap/Depr(3y)77.63%
Cap/Depr(5y)61.26%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)135.23%
Profit Quality(5y)145.74%
High Growth Momentum
Growth
EPS 1Y (TTM)3.74%
EPS 3Y28.22%
EPS 5Y14.79%
EPS Q2Q%-11.38%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.7%
Revenue growth 3Y6.56%
Revenue growth 5Y9.27%
Sales Q2Q%-5.49%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y81.26%
FCF growth 3Y45.5%
FCF growth 5Y38%
OCF growth 1Y68.36%
OCF growth 3Y40.9%
OCF growth 5Y26.71%