EMCLAIRE FINANCIAL CORP (EMCF)
US2908281023 - Common Stock
We assign a fundamental rating of 3 out of 10 to EMCF. EMCF was compared to 412 industry peers in the Banks industry. EMCF may be in some trouble as it scores bad on both profitability and health. EMCF does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
EMCF had positive earnings in the past year.
EMCF had a positive operating cash flow in the past year.
Each year in the past 5 years EMCF has been profitable.
In the past 5 years EMCF always reported a positive cash flow from operatings.
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.
The Return On Equity of EMCF (14.66%) is better than 71.43% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
EMCF has a Profit Margin (28.67%) which is in line with its industry peers.
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 Rank | Sector 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
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.
EMCF has a worse debt/assets ratio than last year.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 1.38 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.87%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.74% over the past year.
Measured over the past years, EMCF shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.79% on average per year.
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 growth Q2Q-11.38%
Revenue 1Y (TTM)0.7%
Revenue growth 3Y6.56%
Revenue growth 5Y9.27%
Revenue growth 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.40, the valuation of EMCF can be described as reasonable.
Based on the Price/Earnings ratio, EMCF is valued a bit cheaper than the industry average as 72.49% of the companies are valued more expensively.
EMCF is valuated cheaply when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.4 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EMCF indicates a somewhat cheap valuation: EMCF is cheaper than 72.75% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.69 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.57
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
EMCF has a Yearly Dividend Yield of 3.92%. Purely for dividend investing, there may be better candidates out there.
EMCF's Dividend Yield is a higher than the industry average which is at 3.84.
EMCF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.92% |
5.2 History
The dividend of EMCF has a limited annual growth rate of 2.33%.
EMCF has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)2.33%
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
34.56% of the earnings are spent on dividend by EMCF. This is a low number and sustainable payout ratio.
EMCF's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.56%
EPS Next 2YN/A
EPS Next 3YN/A
EMCLAIRE FINANCIAL CORP
NASDAQ:EMCF (12/30/2022, 7:00:01 PM)
31.6
-1.39 (-4.21%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap86.43M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.92% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.4 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.01% | ||
| ROE | 14.66% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 28.67% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)3.74%
EPS 3Y28.22%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)0.7%
Revenue growth 3Y6.56%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y