EMCLAIRE FINANCIAL CORP (EMCF) Fundamental Analysis & Valuation

NASDAQ:EMCF • US2908281023

Current stock price

31.6 USD
-1.39 (-4.21%)
Last:

This EMCF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EMCF Profitability Analysis

1.1 Basic Checks

  • In the past year EMCF was profitable.
  • EMCF had a positive operating cash flow in the past year.
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 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.
  • With a decent Return On Equity value of 14.66%, EMCF is doing good in 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 2016 2017 2018 2019 2020 2021 2 4 6 8 10

1.3 Margins

  • EMCF's Profit Margin of 28.67% is in line compared to the rest of the industry. EMCF outperforms 43.92% of its industry peers.
  • EMCF's Profit Margin has improved in the last couple of years.
  • 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 2016 2017 2018 2019 2020 2021 5 10 15 20 25

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3

2. EMCF Health Analysis

2.1 Basic Checks

  • EMCF does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for EMCF remains at a similar level compared to 1 year ago.
  • EMCF has a worse debt/assets ratio than last year.
EMCF Yearly Shares OutstandingEMCF Yearly Shares OutstandingYearly Shares Outstanding 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 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 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. EMCF Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.74% over the past year.
  • EMCF shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.79% yearly.
  • Looking at the last year, EMCF shows a small growth in Revenue. The Revenue has grown by 0.70% in the last year.
  • The Revenue has been growing by 9.27% on average over the past years. This is quite good.
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 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M

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3

4. EMCF Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.40 indicates a reasonable valuation of EMCF.
  • Based on the Price/Earnings ratio, EMCF is valued a bit cheaper than 72.49% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. EMCF is valued rather cheaply when compared to this.
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 72.75% of the companies in the same industry.
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. EMCF Dividend Analysis

5.1 Amount

  • EMCF has a Yearly Dividend Yield of 3.92%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.87, EMCF pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, 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 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
EMCF Yearly Dividends per shareEMCF Yearly Dividends per shareYearly Dividends per share 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 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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EMCF Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners6.72%
Ins Owner Change0%
Market Cap86.43M
Revenue(TTM)36.30M
Net Income(TTM)10.41M
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
Graham NumberN/A
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
ROICexgc growth 3YN/A
ROICexgc 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%

EMCLAIRE FINANCIAL CORP / EMCF Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for EMCLAIRE FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 10 to EMCF.


What is the valuation status for EMCF stock?

ChartMill assigns a valuation rating of 6 / 10 to EMCLAIRE FINANCIAL CORP (EMCF). This can be considered as Fairly Valued.


Can you provide the profitability details for EMCLAIRE FINANCIAL CORP?

EMCLAIRE FINANCIAL CORP (EMCF) has a profitability rating of 4 / 10.


How financially healthy is EMCLAIRE FINANCIAL CORP?

The financial health rating of EMCLAIRE FINANCIAL CORP (EMCF) is 3 / 10.


Can you provide the dividend sustainability for EMCF stock?

The dividend rating of EMCLAIRE FINANCIAL CORP (EMCF) is 8 / 10 and the dividend payout ratio is 34.56%.