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EMCLAIRE FINANCIAL CORP (EMCF) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:EMCF - US2908281023 - Common Stock

31.6 USD
-1.39 (-4.21%)
Last: 12/30/2022, 8:00:01 PM
Fundamental Rating

3

Taking everything into account, EMCF scores 3 out of 10 in our fundamental rating. EMCF was compared to 385 industry peers in the Banks industry. EMCF has a bad profitability rating. Also its financial health evaluation is rather negative. EMCF does not seem to be growing, but still is valued expensively.


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.
EMCF's Return On Equity of 14.66% is fine compared to the rest of the industry. EMCF outperforms 71.43% of its industry peers.
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

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.
In the last couple of years the Profit Margin of EMCF has grown nicely.
The Operating Margin and Gross Margin are not available for EMCF so they could not be analyzed.
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.
The number of shares outstanding for EMCF remains at a similar level compared to 1 year ago.
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

There is no outstanding debt for EMCF. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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.
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.
EMCF shows a small growth in Revenue. In the last year, the Revenue has grown by 0.70%.
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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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.40, the valuation of EMCF can be described as very reasonable.
EMCF's Price/Earnings ratio is a bit cheaper when compared to the industry. EMCF is cheaper than 72.49% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.56. 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

72.75% of the companies in the same industry are more expensive than EMCF, based on the Price/Free Cash Flow ratio.
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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6

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 2.70, EMCF pays a bit more dividend than its industry peers.
EMCF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.87.
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 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.
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
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
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 FAQ

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

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


Can you provide the valuation status for EMCLAIRE FINANCIAL CORP?

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.


What is the financial health of EMCLAIRE FINANCIAL CORP (EMCF) stock?

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